Punjab And Sind Bank FD Rates : Punjab And Sind Bank (PSB) offers varius tenures term deposit and providing attractive interest rates as FD investors can earn upto 6.70% interest on Fixed deposit.
PSB has three term deposit scheme. PSB Tearm deposit, Non Callable Retail Term Deposit, PSB Green Earth Term Deposit.
In this article we will discuss each of them in detail.
Table of Contents
What Is a Fixed Deposit in Punjab & Sind Bank?
Punjab And Sind Bank give option to their customer to Start Fixed Deposit to earn some extra income who are looking risk free investment. Fixed deposits are consider safe investment.
Punjab & Sind Bank has FD in the name of PSB Tearm deposit that give investor to investmen money for their choice of time.
The bank offer 7 days to 10 year tanures fixed deposit scheme. Punjab & Sind Bank bank give up to 6.70% rate interest depending upon tenure of FD.
Punjab And Sind Bank FD Rates (Tenure-Wise)
Punjab and Sind Bank FD Interest Rates are very attractive and it has different intrest rate of different tenures.
Here is given list of Punjab and Sind Bank FD Interest Rates according to tenures:-
| Days | Interest Rates % |
|---|---|
| 7 – 14 Days | 2.85# |
| 15 – 30 Days | 2.85 |
| 31 – 45 Days | 2.85 |
| 46 – 90 Days | 3.35 |
| 91 – 120 Days | 3.35 |
| 121 – 150 Days | 3.35 |
| 151 – 179 Days | 4.85 |
| 180 – 364 Days | 4.85 |
| 1 Year | 5.85 |
| >1 Year – 374 Days | 5.60 |
| 375 Days (Callable) | 6.40 |
| 375 Days (Non‑Callable*) | 6.50 |
| 376 – 443 Days | 5.60 |
| 444 Days (Callable) | 6.60 |
| 444 Days (Non‑Callable*) | 6.70 |
| 445 Days – ≤ 22 Months | 5.85 |
| 22 Months (PSB Green Earth) | 5.95 |
| >22 Months – <2 Years | 5.85 |
| 2 Years – 776 Days | 5.95 |
| 777 Days | 6.00 |
| 778 – 998 Days | 5.85 |
| 999 Days (Callable) | 6.00 |
| 999 Days (Non‑Callable*) | 6.05 |
| 1000 Days – < 3 Years | 5.95 |
| 3 Years – < 44 Months | 5.85 |
| 44 Months (PSB Green Earth) | 5.95 |
| >44 Months – 5 Years | 5.85 |
| 5 Years | 5.95 |
| >5 Years – < 66 Months | 5.85 |
| 66 Months (PSB Green Earth) | 5.95 |
| >66 Months – 10 Years | 5.85 |
Revised w.e.f. 15/12/2025 (% p.a.)
Punjab and Sind Bank FD Rates 444 Days
Punjab and Sind Bank offers days wise interest rate and 444 days offer higher intrest rate.
The Revised interest rate w.e.f. 15/12/2025 (% p.a.) for 444 days is 6.60% and additional 0.50% interest fo senior citizens.
Punjab And Sind Bank FD Rates For senior citizen
Punjab & Sind Bank offers additional interest benefits to senior citizens and super senior citizens on eligible term deposits.
These benefits apply only to domestic term deposits below ₹3 crore and are available on both fresh deposits and renewals.
Senior Citizen Interest Benefit (Age 60 Years & Above)
- Senior citizens are eligible for an additional 0.50% interest over the regular FD rates.
Super Senior Citizen Interest Benefit (Age 80 Years & Above)
- Super senior citizens receive an extra 0.15% interest, in addition to the senior citizen benefit.
Minimum Deposit Amount & FD Tenure Options
FD investor can open FD account with minimum 1 lac rupees and maximum 299 lacs. The FD can be invest for 7 days to 10 years of tenures.
There is wide range of tenures so it is very easy to choose time of investment according to invesotrs need.
If there is lower tenure then it may earn less intrest rate and higher tenure can earn high rate of interest.
These documents are required to complete the KYC process as per banking and regulatory guidelines.
How Is Punjab And Sind Bank FD RatesI nterest Paid ?
Punjab and Sind Bank offers flexible interest payout options:
Cumulative option
FD investor can choose not to take earn intrest and invest intrest in FD that helps to grow investment and this Interest is added to the principal and paid at maturity
Monthly payout
Some people look for monthly income and can choose monthly payout option this can be Suitable for regular income, especially for retirees as then can earn some extra monthly income without risking capital.
Quarterly payout
One can choose to get Interest paid every three months can opt for it and get paid at every 90 dyas
Half-yearly payout – The bank alows to gerInterest paid twice a year as per customer wish if they opt for Half-yearly payout .
Punjab and Sind Bank FD Rates Calculator
Here is very simple and easy to use Punjab and Sind Bank FD Interest Rates Calculator
Punjab & Sind Bank FD Calculator
Advantages of Punjab and Sind Bank FD
- Punjab and Sind Bank is Government-owned public sector bank and it is serving the nation since 1908.
- Punjab and Sind Bank FD is known for Safe and low-risk investment as it offer guaranteed retrun on investment.
- The is providing 0.5% extra benefits for senior and 0.65% extra for super senior citizens that make very atractive.
- The bank is alowing Flexible tenure and interest payout options as investor can choose tenure form 7 days to 10 years.
Who Should Invest in Punjab and Sind Bank FD?
Punjab and Sind Bank FD is suitable for
- Those investor who do not want to take risk and looking for risk free investment.
- These FD scheme is suitable for Senior citizens and retirees as they can earn 0.5% extra rate of intrest rate
- People who are planning for short-term investment if their capitle is idle.
How to Open a Fixed Deposit Account
You can open an FD in Punjab and Sind Bank through:
- Visiting the nearest bank branch and fill the form to open FD account.
- Using internet banking (for existing customers) if you have Punjab and Sind Bank acount.
- Submitting KYC documents and choosing tenure and payout option
Documents Required for opening of Fixed Deposit
To open a Fixed Deposit or Recurring Deposit account, customers must complete KYC formalities. The following documents are required:
- Latest passport-size photograph
- Any one Officially Valid Document (OVD), such as:
- Valid Passport
- Valid Driving Licence
- Aadhaar Card
- Voter’s ID Card
- NREGA Job Card
- National Population Register (NPR) document
Things to Consider Before Investing In FD
Before investing in an FD, keep these points in mind:
- Interest rate may change for new deposits
- Inflation can reduce real returns
- Premature withdrawal may attract penalty
- Long-term FDs may need reinvestment planning
Frequently Asked Questions (FAQs)
Is Punjab and Sind Bank FD safe?
Yes, it is a government-owned bank, making FDs very safe.
Can I withdraw FD before maturity?
Yes, premature withdrawal is allowed, but penalty may apply.
Do senior citizens get extra interest?
Yes, senior and super senior citizens receive additional interest benefits.
Is FD interest taxable?
Yes, FD interest is taxable as per income tax rules.
Conclusion
Punjab and Sind Bank Fixed Deposits are a reliable investment option for those who prefer safety and stable returns. With flexible tenures, multiple FD types, and additional interest benefits for senior and super senior citizens, the bank offers suitable options for different investors.
Before investing, always compare tenures, understand tax rules, and use an FD calculator to plan better. Also visit Punjab and Sind Bank official website for details and update.
Also read
PNB FD Scheme 2025 – Earn ₹24,066 On Just ₹1 Lakh Investment
LIC FD Scheme 2025 : Earn Up to 6.90% interest rates on LIC Fixed Deposits
SBI Special FD Scheme For 400, 444 & 555 Days
Disclaimer:
The FD calculator provided above is for informational and illustrative purposes only. The results are approximate and may vary based on actual interest rates, compounding frequency, and bank policies. Please verify the latest Punjab & Sind Bank FD rates and terms with the bank before making any investment decision.
