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    PNB Anupam Term Deposit Scheme  and 2 other FDs

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    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6.6% - 6.8% Quarterly compounding
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    Up to ₹1Cr
    7 Days to 10 Years
    4.25% - 7.3% Quarterly compounding
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    Up to ₹25L
    1 Year to 5 Years
    7.49% - 8.19% Monthly compounding
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    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.5% Monthly compounding
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    PNB Anupam Term Deposit Scheme is Rated as "Excellent!" by 39 Users

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    What is a PNB Anupam Term Deposit?

    Fixed deposits are great investment options for the ones with a traditional point of view of saving, but then there’s a constraint of not having liquidity options when financial needs suddenly crop up. Punjab National Bank (PNB) offers its customers an option to open a fixed deposit account that allows them to benefit from preferential interest rates and also allows premature cancellation of the deposit at any given point of time. This specific scheme is known as PNB Anupam Term Deposit.

    Eligibility Criteria for applying for PNB Anupam Term Deposit

    The basic eligibility criteria for opening an Anupam Term Deposit with Punjab National Bank are as follows –

    • Customer must be above 18 years of age
    • Customer must be either salaried or self-employed
    • Customer must have existing banking relationship with Punjab National Bank (PNB) or must come with proper introductions

    Apart from the above mentioned basic criteria, the bank might require additional conditions to be fulfilled, based on its discretion.

    Know more here: Term Deposits

    Features of PNB Anupam Term Deposit

    Account Type

    Both individuals and non-individuals can apply. Hindu Undivided Families allowed. Accounts can be jointly held

    Deposit Amount

    Minimum starting deposit is INR 10000

    Minimum subsequent deposit is in multiples of INR 1000

    Maximum deposit will be INR 99,99,000

    Rate of Interest

    Anywhere between 7.25% per annum to 8.00% per annum

    Period

    Minimum duration – 6 months

    Maximum duration – 10 years

    TDS

    TDS Certificate will be issued by the Bank

    Lock-in Period

    N/A

    Tax Rebate Applicability

    N/A

    Loan against PNB Anupam Term Deposit Scheme

    N/A (subject to change based on bank’s discretion)

    Nomination

    Nomination facility is available

    Auto Renewals

    The scheme is valid only for the period selected at initiation. Renewal for another year happens only if the deposit is continued

    PNB Anupam Term Deposit Scheme Interest Rates

    The interest rates offered on PNB Anupam Term Deposits are linked to the base rate of the bank. As of December 2015, the rates could be anywhere from 7.25% per annum to 7.50% per annum for the general populace. Senior citizens might get an additional rate over and above the advertised rates.

    Interest on the deposit made is payable at a discounted monthly value or quarterly. It could also be compounded quarterly (reinvested) or on the date of maturity, based upon the choice of the depositor during the initiation of the scheme. In case a deposit is overdue, interest might be payable but will be based on the discretion of the bank.

    All the above mentioned rates are dependent on the bank’s discretion and are liable to change anytime.

    PNB Anupam Term Deposit Scheme FAQs

    1. How to apply for an Anupam Term Deposit in Punjab National Bank (PNB)?

      One can apply for an Anupam Term Deposit with PNB through any of its official branches by furnishing the required documents and the minimum deposit amount.

    2. What are the documents required for opening an Anupam Term Deposit?

      One would require an introduction to the bank or should be an existing customer. Apart from that, two recent passport size photographs of the person(s) opening the account will be required. Government attested ID proof and declaration through Form 60 or 61 or PAN (Permanent Account Number) or GIR (General Index Register) needs to be provided.

    3. What is the interest rate applicable for an Anupam Term Deposit account?

      The interest rate could range from 7.25% per annum to 8.00% per annum. That would include any additional interest provided for senior citizens too.

    4. What is the maturity period of an Anupam Term Deposit?

      The minimum maturity period of an Anupam Term Deposit will be 6 months and the maximum would be 10 years.

    5. What is the lock-in period for an Anupam Term Deposit account?

      There are no applicable lock-in periods for this deposit and it can be prematurely cancelled at any time to obtain the principal and accrued interest.

    Useful Information on PNB Fixed Deposit

    Other Fixed Deposit Schemes Offered by PNB

    Special FD Schemes

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    • PNB Anupam Term Deposit Scheme Reviews

    Write a Review
    • Punjab National Bank Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had invested in fixed deposit with Punjab National Bank. I have deposited ceratin amount on my account. I got good response from the bank when I opened FD. The bank was so supportive and they provided all the information regarding FD. The interest rates too are pretty attractive.
      Was this review helpful? 5

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      , indore
      Reviewed on May 04, 2017
    • Punjab National Bank Fixed Deposit
      "Customer service should be good and unique for everyone"
      0.5 4.0/5 "Great!"
      I do have fixed deposit account with the Fixed deposit and they have provided around 8.5% as interest rate. Services are perfect one for me and I do have good relationship with them because my relatives are working there. Net banking services are also working good and they are started to exhibit most of the services there.
      Was this review helpful? 4

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      , ghaziabad
      Reviewed on Apr 26, 2017
    • Punjab National Bank Fixed Deposit
      "Easy & fast process"
      0.5 5.0/5 "Blown Away!"
      I have taken a fixed deposit with Punjab National bank. It was a easy process to open this account. Though I have an option on the portal. I preferred visiting the bank in person and the process was completed pretty fast. The rate of interest is satisfactory too.
      Was this review helpful? 7

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      , ambala
      Reviewed on Aug 08, 2016
    • Punjab National Bank Fixed Deposit
      "Average Experience"
      0.5 3.0/5 "Satisfactory"
      I hold a fixed deposit with PNB Bank. The services are average from them. When ever I contact them with a query, I do not get a very satisfactory answer. The rate of interest is normal. There are no charges taken for this facility. It would be better if there is an improvement in services.
      Was this review helpful? 5

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      , jammu
      Reviewed on Jul 05, 2016
    • Punjab National Bank Fixed Deposit
      "Excellent !!!!"
      0.5 5.0/5 "Blown Away!"
      PNB is giving 7.5% interest rate for one year fixed deposit . There is no activation charges. The minimum amount is Rs.1000. We can avail the plan through online which will be activated on the spot. If we withdraw the many in between there are no charges
      Was this review helpful? 15

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      , faridabad
      Reviewed on Mar 18, 2016
    • Punjab National Bank Fixed Deposit
      "Never to trust"
      0.5 1.0/5 "Really Bad"
      When i opened the fixed deposit account the amount was taken from the saving so they told that there is no need of any receipt and another account number.But after seven months when i applied to break the deposit they were asking for th receipt and account number by which i am not able to break it. In the initial stage they told that for 10,000 will get 18,000 after a year but later they informed will get Rs.10,850. They are not transparent to the customer.
      Was this review helpful? 9

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      , ghaziabad
      Reviewed on Jan 13, 2016
    • Punjab National Bank Fixed Deposit
      "Happy with them..."
      0.5 5.0/5 "Blown Away!"
      My fixed account is with Punjab national bank. Interest part was good. I am getting lots of offers from them. They offered me a debit card. They will provide install loan without any documents. We can use it as multiple purpose. Their fixed account is flexible for every one.
      Was this review helpful? 11

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      , chennai
      Reviewed on Nov 14, 2015
    • Punjab National Bank Fixed Deposit
      "lONG TERM CUSTOMER"
      0.5 3.0/5 "Satisfactory"
      I opened an Fixed Deposit account with PNB because it is reliable to the customers. There is no need to open an savings account with them for doing any kind of investments. But if its any private bank we have to open an account as well as need to maintain some minimum balance. 9% is the rate of interest they are offering to me.
      Was this review helpful? 13

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      , gurgaon
      Reviewed on Oct 10, 2015
    • Punjab National Bank Fixed Deposit
      "GOOD PROFIT "
      0.5 4.0/5 "Great!"
      I opened an Fixed deposit account with PNB. Since it is an government sector I opened this account with them. They are very matured in banking services. It is very safe with PNB to hold an FD account, one of my friend has suggested me about this bank. They have offered me 9% interest rate which is good.
      Was this review helpful? 11

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      , guwahati
      Reviewed on Sep 16, 2015
    • Punjab National Bank Fixed Deposit
      "Good.."
      0.5 4.0/5 "Great!"
      I am banking with only one bank that is Punjab National Bank so basis that I got this fixed deposit and rate is 7.5 to 9%. For senior citizens the interest might be 9%. I have not done the pre maturity so have no idea about the same. My banking relationship with this bank is very good and they are acting fast on my queries.
      Was this review helpful? 11

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      , chennai
      Reviewed on Aug 06, 2015
    • Punjab National Bank Fixed Deposit
      "Good Experience!!"
      0.5 4.0/5 "Great!"
      It is a very good experience with the Punjab National bank for the fixed deposit account. I had taken the deposit from this bank as the bank was near to my place and it is easily accessible for me. I do get a proper response from the bank whenever I approach them.
      Was this review helpful? 3

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      , bangalore
      Reviewed on Jul 28, 2015
    • Punjab National Bank Fixed Deposit
      "Very good"
      0.5 4.0/5 "Great!"
      Interest rate offered for the fixed deposit plan is 9% from Punjab national bank.The minimum lock in period for fd is 10 years and i have taken for the tenure of 15 years. To start the plan the minimum amount to be deposit is just Rs.1000 . There is no any extra charge in case we break the tenure.After the plan gets matured we can avail the amount b visiting the bank.
      Was this review helpful? 6

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      , noida
      Reviewed on Jul 24, 2015
    • Punjab National Bank Fixed Deposit
      "Nice Returns"
      0.5 4.5/5 "Excellent!"
      As my account is with Punjab National bank since last 4 years so I opened the fixed deposit account in the same bank. Interest rate is getting transferred to my account once in year. There in a possibility to withdraw the amount in midst of the tenure as they are not going to charge anything as penalty. I would say, the interest rate as less comparing to other banks.But since it is linked with my saving account it is best for me.
      Was this review helpful? 3

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      , mumbai
      Reviewed on Jul 23, 2015
    • Punjab National Bank Fixed Deposit
      "Low in rate...."
      0.5 5.0/5 "Blown Away!"
      As my account is with Punjab National bank so an officer helped me to open the fixed deposit. Interest rate is getting transferred to my account once in year. There in a possibility to withdraw the amount in midst of the tenure as they are not going to charge anything as penalty. I would say, the interest rate as less comparing to other banks.
      Was this review helpful? 2

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      , chennai
      Reviewed on Jul 22, 2015
    • Punjab National Bank Fixed Deposit
      "Easy and Benificial"
      0.5 4.5/5 "Excellent!"
      The Fixed deposit from Punjab National bank is good. It is very easy to open the fixed deposit account.formalities were few and not so difficult. The Return provided by the bank is good enough.I would say that PNB is better than any other banks because they are good in everything.
      Was this review helpful? 11

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      , pune
      Reviewed on Jul 11, 2015
    • Punjab National Bank Fixed Deposit
      "Good"
      0.5 3.0/5 "Satisfactory"
      The Fixed deposit from Punjab National bank is good. I have opened this account because of the savings account I am already holding with this bank. It is not very easy to open the fixed deposit account without being an existing customer of this bank. The main reason to open this account is the branch which is near to my home town. The rate of interest given to this deposit is around 8%.
      Was this review helpful? 6

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      , new delhi
      Reviewed on Jun 25, 2015
    • Punjab National Bank Fixed Deposit
      "Great !!!"
      0.5 5.0/5 "Blown Away!"
      Interest rate is like 8.75% for fixed deposit in Punjab National bank and the interest rate is half yearly compounding. I would say that PNB is better than any other banks because they are good in everything. I just walked in to branch to get opened the deposit and formalities were normal. PNB is wonderful in services.
      Was this review helpful? 6

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      , bhubaneshwar
      Reviewed on Apr 06, 2015
    • Punjab National Bank Fixed Deposit
      "Good"
      0.5 5.0/5 "Blown Away!"
      Rate of interest offered for Punjab national bank fixed deposit is 9% which is quite attractive interest rate. Its for 1 lakh deposit amount and as I had my savings account, I did opt this bank. Even customer service team was good. Overall quite accessible and approachable services.
      Was this review helpful? 18

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      , new delhi
      Reviewed on Jan 09, 2015
    • Punjab National Bank Fixed Deposit
      "Quite ok"
      0.5 3.0/5 "Satisfactory"
      As I have my home loan relationship with Punjab National bank, I did open this fixed deposit. Interest rate would be 8-9% however as it is essential I did opt for it. For doing deposit, I would visit the branch. It would be helpful if the on line facilities could be there.
      Was this review helpful? 8

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      , hyderabad
      Reviewed on Dec 10, 2014
    • Punjab National Bank Fixed Deposit
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Punjab National bank is really great in terms of fixed deposit. They offer a very high rate of interest of 9% when compared to other banks. PNB is a government authorized bank and the returns are much more higher than other banks. It is very convenient banking with PNB as the branch is very close my house.
      Was this review helpful? 11

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      , jaipur
      Reviewed on Nov 20, 2014
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