Punjab & Sind Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card date not stated by the bank. Deposits below ₹3 crore.
Punjab & Sind Bank pays its best rate among these terms on 2 years: 5.95%, or 6.45% for senior citizens. That ranks 32nd of 33 banks we track for 2 years. On a 2-year deposit it pays less than SBI (6.40%).
Punjab & Sind Bank FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year | 5.85% | 6.35% | ₹5,29,898 | 33rd of 33 |
| 2 years Slab: 2 years to 776 days | 5.95% | 6.45% | ₹5,62,692 | 32nd of 33 |
| 3 years Slab: 3 years to less than 44 months | 5.85% | 6.35% | ₹5,95,164 | 32nd of 33 |
| 5 years Slab: 5 years | 5.95% | 6.45% | ₹6,71,771 | 29th of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: Punjab & Sind Bank deposit rates. Each rate is the slab that contains that exact term.
How Punjab & Sind Bank compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.40 percentage points more. On ₹5 lakh that is ₹7,350 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.80 percentage points more. On ₹5 lakh that is ₹20,273 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 2.15 percentage points more. On ₹5 lakh that is ₹38,957 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.82 percentage points more. On ₹5 lakh that is ₹62,871 extra.
Similar banks: UCO Bank (6.10% for 2 years), Union Bank of India (6.15% for 2 years), Indian Bank (6.15% for 2 years), Bank of Maharashtra (6.15% for 2 years).
Amounts at Punjab & Sind Bank
- ₹1 lakh for 2 years at 5.95% becomes ₹1,12,538.
- ₹10 lakh for 2 years at 5.95% becomes ₹11,25,383.
Questions people ask
What is the Punjab & Sind Bank FD rate for 1 year?
Punjab & Sind Bank pays 5.85% a year on a 1-year deposit below ₹3 crore (6.35% for senior citizens). ₹5 lakh grows to ₹5,29,898. The slab is "1 year".
What is the Punjab & Sind Bank FD rate for 2 years?
Punjab & Sind Bank pays 5.95% a year on a 2-year deposit below ₹3 crore (6.45% for senior citizens). ₹5 lakh grows to ₹5,62,692. The slab is "2 years to 776 days".
What is the Punjab & Sind Bank FD rate for 3 years?
Punjab & Sind Bank pays 5.85% a year on a 3-year deposit below ₹3 crore (6.35% for senior citizens). ₹5 lakh grows to ₹5,95,164. The slab is "3 years to less than 44 months".
What is the Punjab & Sind Bank FD rate for 5 years?
Punjab & Sind Bank pays 5.95% a year on a 5-year deposit below ₹3 crore (6.45% for senior citizens). ₹5 lakh grows to ₹6,71,771. The slab is "5 years".
Is money in a Punjab & Sind Bank FD safe?
Punjab & Sind Bank is a public sector bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate