Fixed & recurring deposits

PNB Growth Fixed Deposit Scheme

A large-value flexible fixed deposit from ₹3 crore to ₹10 crore with 7–120 month maturity/income options, quarterly compounding and partial withdrawals while maintaining a ₹2 crore core balance.

General rateCard rate under PNB guidelines; current large-value rate schedule is linked.Senior-citizen rateAdditional senior-citizen rates are not applicable to deposits of ₹3 crore and above under the current rate table.Tenure / programmeMaturity option 7–120 months; income option 6–120 months.

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Tenure / programmeMaturity option 7–120 months; income option 6–120 months.View source

Maturity option 7–120 months; income option 6–120 months.

Source: PNB Growth Fixed Deposit Scheme
Page / section: Period of Deposit
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

General rateCard rate under PNB guidelines; current large-value rate schedule is linked.View source

Card rate under PNB guidelines; current large-value rate schedule is linked.

Source: PNB Deposit Interest Rates
Page / section: Current rate table
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Senior-citizen rateAdditional senior-citizen rates are not applicable to deposits of ₹3 crore and above under the current rate table.View source

Additional senior-citizen rates are not applicable to deposits of ₹3 crore and above under the current rate table.

Source: PNB Deposit Interest Rates
Page / section: Senior-citizen rate table
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum / deposit amountSingle deposit minimum ₹3,00,00,000 and maximum ₹10,00,00,000, in ₹1 multiples.View source

Single deposit minimum ₹3,00,00,000 and maximum ₹10,00,00,000, in ₹1 multiples.

Source: PNB Growth Fixed Deposit Scheme
Page / section: Deposit Amount
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Withdrawal / refund termsPart withdrawal is allowed under maturity option in ₹1,00,000 multiples while maintaining a ₹2 crore core; withdrawn amount earns the lower applicable rate minus 1%.View source

Part withdrawal is allowed under maturity option in ₹1,00,000 multiples while maintaining a ₹2 crore core; withdrawn amount earns the lower applicable rate minus 1%.

Source: PNB Growth Fixed Deposit Scheme
Page / section: Withdrawal and closure
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Payout / redemptionMaturity option compounds quarterly and pays at maturity; income option pays periodically.View source

Maturity option compounds quarterly and pays at maturity; income option pays periodically.

Source: PNB Growth Fixed Deposit Scheme
Page / section: Interest and payout
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Account typeLarge-value flexible fixed depositView source

Large-value flexible fixed deposit

Source: PNB Growth Fixed Deposit Scheme
Page / section: Product heading
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

EligibilityIndividuals, minors aged 10+, firms, companies, HUFs, associations, trusts, institutions, municipalities and government bodies.View source

Individuals, minors aged 10+, firms, companies, , associations, trusts, institutions, municipalities and government bodies.

Source: PNB Growth Fixed Deposit Scheme
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Free access to withdraw amounts under maturity option while maintaining ₹2 crore core balance
Conversion between maturity and income modality allowed when original term is at least 12 months and six months remain

Eligibility

Individuals, minors aged 10+, firms, companies, , associations, trusts, institutions, municipalities and government bodies.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PNB deposit application, / and scheme-specific documents

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Deposit maturity estimate

See how much the deposit may be worth at the end. You can change the bank's published rate to test another case.

Money deposited onceThe amount you plan to place in the deposit today.₹one lakh rupees₹1,000₹1,00,00,000Yearly interest rateThe percentage the deposit earns in one year.%0.5%15%How long you keep itThe period before the deposit reaches maturity. months3 months120 months

Money at maturity₹1,38,042one lakh thirty-eight thousand forty-two rupees

Money you put in₹1,00,000one lakh rupees

Interest earned₹38,042thirty-eight thousand forty-two rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

ProductChoose column

PNB Ordinary Term Deposit Scheme · EligibilityIndividuals singly or jointly, minors aged 10+, firms, companies, , associations, government bodies and illiterate/blind customers.

This value is copied from PNB deposit products — published terms. Check the table notes before relying on it.

Source: PNB Interest Rates — Deposit and product pages · Current deposit-rate tables and linked scheme pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 6 columnsPNB deposit products — published termsDeposit amount, tenure, rates and withdrawal terms from current PNB pages and rate table.View tableHide table

Scroll sideways to view every column

PNB deposit products — published terms
Product	Eligibility	Deposit amount	Tenure	Rate	Withdrawal / payout
PNB Ordinary Term Deposit Scheme	Individuals singly or jointly, minors aged 10+, firms, companies, , associations, government bodies and illiterate/blind customers.	Minimum ₹100 and thereafter in ₹1 multiples; maximum ₹2,99,99,999.	7 days to 179 days.	Card rate under PNB guidelines; current published rate table is linked and varies by tenor and customer category. Senior-citizen rates vary by tenor in PNB's current rate table.	Premature withdrawal follows PNB general term-deposit rules; the reviewed scheme page does not state a numeric penalty. Interest at card rate; payout option is governed by the selected term-deposit instruction.
PNB Tax Shield Fixed Deposit Scheme	Eligible depositors complying with the scheme and / requirements; joint holding and tax treatment follow the scheme rules.	Minimum ₹100 and multiples thereof; maximum ₹1,50,000 per financial year.	Five-year lock-in; premature/part withdrawal before five years is not allowed except on depositor death under rules.	6.10% p.a. public rate for the five-year slab (revised 01.02.2026). 6.60% p.a. for senior citizens; staff and retired staff additions are governed by PNB rules.	Premature cancellation/part withdrawal before the five-year lock-in is not allowed; death exception applies under rules. Interest payment option is selected at deposit opening; receipt bears and depositor details.
PNB Growth Fixed Deposit Scheme	Individuals, minors aged 10+, firms, companies, , associations, trusts, institutions, municipalities and government bodies.	Single deposit minimum ₹3,00,00,000 and maximum ₹10,00,00,000, in ₹1 multiples.	Maturity option 7–120 months; income option 6–120 months.	Card rate under PNB guidelines; current large-value rate schedule is linked. Additional senior-citizen rates are not applicable to deposits of ₹3 crore and above under the current rate table.	Part withdrawal is allowed under maturity option in ₹1,00,000 multiples while maintaining a ₹2 crore core; withdrawn amount earns the lower applicable rate minus 1%. Maturity option compounds quarterly and pays at maturity; income option pays periodically.

PNB Interest Rates — Deposit and product pages · Current deposit-rate tables and linked scheme pages · accessed 30 Aug 2026Open official source ↗

PNB Growth Fixed Deposit Scheme

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Deposit maturity estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PNB Ordinary Term Deposit Scheme

PNB Tax Shield Fixed Deposit Scheme