# PNB 1-Year FD Interest Rates: What Returns Are Non-Senior Citizens Getting Before Investing

> Punjab National Bank offers an interest rate of 6.25 percent per annum on a 1-year fixed deposit for regular customers below the age of 60.

**Type:** article · **Category:** Money · **Published:** 2026-08-17 · **Source:** TrendKia
**Canonical:** https://trendkia.com/en/money/pnb-1-year-fd-interest-rates-what-returns-are-non-senior-citizens-getting-before-investing-17686 · **Language:** English
**Tags:** Punjab National Bank, FD Interest Rates, Fixed Deposit, Banking News, Senior Citizen FD

Fixed deposits continue to remain the preferred investment choice for everyday investors across the country when looking for secure investment options and guaranteed returns. As one of the premier public sector banks in the nation, Punjab National Bank offers attractive interest rates to its customers on fixed deposit schemes ranging from seven days up to a ten-year tenure. A notable aspect of these offerings is that the interest rates vary depending on the age bracket of the depositor, providing different benefits across demographics. Let us examine the exact returns being offered on a one-year fixed deposit for individuals below the age of sixty.

 

## Interest Rate Offered on 1-Year FD for Regular Customers
 For customers below the age of sixty years, the applicable interest rate on a one-year fixed deposit with Punjab National Bank stands at 6.25 percent per annum. This implies that if a regular customer deposits an amount of less than three crore rupees for a tenure of one year in a fixed deposit, the funds will accumulate interest at the rate of 6.25 percent. Meanwhile, senior citizens are entitled to a higher interest rate for the exact same duration, enhancing their overall earnings.

 

## Highest Returns Extended to Super Senior Citizens Aged 80 and Above
 Punjab National Bank provides an enhanced interest rate of 7.05 percent on a one-year fixed deposit to super senior citizens, defined as customers who are eighty years of age or older. Consequently, the financial returns generated from the fixed deposit increase progressively in alignment with the advancing age of the account holder, offering substantial support during retirement years.

 

## Breakdown of PNB 1-Year Fixed Deposit Interest Rates
 The structured interest rates applicable across different age categories for a one-year fixed deposit with the institution are clearly demarcated. For customers below sixty years of age, the rate is fixed at 6.25 percent. For individuals aged sixty years or older, the rate increases to 6.75 percent. Furthermore, for super senior citizens aged eighty years and above, the bank offers the peak rate of 7.05 percent.

 

## Additional Benefits for Senior Citizens and Super Seniors
 Punjab National Bank grants an additional 0.50 percentage point of interest on fixed deposits to senior citizens when compared against regular retail customers. In addition to this, super senior citizens receive an extra 0.30 percentage point over the senior citizen interest rate, rewarding older depositors with maximum compounding benefits on their savings.

 

## Recent Revision in Bank Interest Rates
 Punjab National Bank carried out its most recent revision regarding fixed deposit interest rates on June 1, 2026. At present, the banking institution provides interest rates ranging from 3.00 percent up to 7.40 percent across various maturity tenures, catering to diverse financial planning requirements of its customer base.

## What this means for you
**Across India:** Everyday investors planning to open a fixed deposit with Punjab National Bank will earn the prevailing 6.25% interest rate on a one-year term.

## Questions & Answers

### 1. What interest rate is PNB offering on a 1-year FD for individuals below 60 years of age?
Regular customers below the age of 60 are receiving an annual interest rate of 6.25% on a 1-year FD.

### 2. How much interest do senior citizens get on a 1-year FD in PNB?
Senior citizens aged 60 and above are receiving an interest rate of 6.75% on a 1-year FD.

### 3. What is the interest rate for super senior citizens aged 80 and above in PNB?
Super senior citizens aged 80 and above are receiving the highest interest rate of 7.05% on a 1-year FD.

### 4. When did PNB last revise its fixed deposit interest rates?
Punjab National Bank last revised its FD interest rates on June 1, 2026.

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