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PNB Interest Rates Today — August 2026

Our review of Punjab National Bank: 2 products rated against every other provider we track, with the rates, the fees and what they cost you in rupees.

Credsir Editorial Team · MBA · 14 years in fintech
Updated 2 Oct 2026

Punjab National Bank is a PSU bank founded in 1894 and headquartered in New Delhi. We hold dated rates for 2 of its products and score each one against every other provider we track for that product.

Founded 1894
Headquarters New Delhi
Type PSU Bank
Official site www.pnbindia.in
Credsir rating 3.2/5
Products rated 2

Updated 15 Aug 2026 · Punjab National Bank’s rate cards and published comparisons, across 2 products

What it does well

  • Home loan rate is second best of the 12 providers we track — 0.00 points off the best
  • Home loan processing fee is among the lowest in the table — 4.5/5

Where it falls short

  • Pays 1.65 points less on a fixed deposit than Suryoday Small Finance Bank, the best payer we track — #8 of 12

Punjab National Bank products, rated

We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full.

Home loan — 4.6/5

Rate from 7.20% (starting rate)
Maximum rate 9.45%
Terms Repo-linked (RLLR)
Fee 0.35%, max ₹15,000

Rated 4.6 out of 5 on our published formula. The full breakdown is on the PNB home loan page, and the ladder it is scored against is our home loan interest rates table.

Fixed deposit — 1.8/5

Rate up to 6.60% (regular customer)
Terms 7.10% for senior citizens
Tenure 444 days
Our ranking #8 of 12 providers we track

Rated 1.8 out of 5 on our published formula. The best-paying provider we track for this product is Suryoday Small Finance Bank at 8.25%, 1.65 percentage points better. See the PNB fixed deposit breakdown, or the full table of best FD rates.

Rates and fees

Product Advertised rate Maximum rate Terms Fee
Home loan 7.20% 9.45% Repo-linked (RLLR) 0.35%, max ₹15,000
Fixed deposit 6.60% — 7.10% for senior citizens 444 days

Updated 15 Aug 2026 · Punjab National Bank’s rate cards and published comparisons, across 2 products

How we rated this bank

We take no money for ratings, and no bank can influence one. Every score above is simple maths on a dated rate table — change the table and the score moves by itself. Two products are rated, against 24 competitor rates, and ₹0 was paid for this rating. Read the full method.

Terms change without notice. Confirm the current figures with Punjab National Bank before you act.

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