PNB NRE/NRO/NRI/FCNR FD Rates

Punjab National Bank is an Indian based bank based in the capital of India, New Delhi. The bank was founded in 1984 and is one among the Big Four Banks of India. It is considered to be the third largest bank in India by its asset size.

Updated On - 05 Sep 2025

The bank has over 6,300 branches and over 7,900 ATMs across 764 cities and it serves over 80 million customers. The bank has branches in UK, Hong Kong, Dubai, Kabul and Kowloon. The bank offers a wide range of financial services including accounts, deposits, cards, loans and much more.

Punjab National Bank Fixed Deposit for NRIs

Punjab National Bank offers fixed deposits with flexible tenures and attractive rate of interest. The bank offers different kinds of fixed deposit accounts to suit the varying needs of the investors. The bank offers Fixed Deposit accounts for NRIs too with its own set of features and benefits.

PNB NRO Fixed Deposit Rates Less than Rs.3 crore

Tenure 

Regular FD Rates (p.a.) 

7 to 14 Days 

3.50 

15 to 29 Days 

3.50 

30 to 45 Days 

3.50 

46 to 60 Days 

4.50 

61 to 90 Days 

4.50 

91 to 179 Days 

5.50 

180 to 270 Days 

6.25 

271 Days to 299 Days 

6.50 

300 Days 

7.05 

301 Days to < 1 Year 

6.50 

1 Year 

6.80 

> 1 Year to 399 days 

6.80 

400 Days 

7.25 

401 Days to 2 Years 

6.80 

> 2 years to 3 years 

7.00 

> 3 years to 1203 days 

6.50 

1204 days** 

6.40 

1205 days to 5 years 

6.50 

> 5 years to 1894 days 

6.50 

1895 days** 

6.35 

1896 days to 10 years 

6.50 

Note: The FD interest rates are effective as of 10 October 2024. It can change at the discretion of the bank.

PNB NRO Fixed Deposit Rates Rs.2 crore to less than Rs.10 crore

Tenure 

Interest rates for less than Rs. 3 crores (% p.a.) 

Interest rates for above Rs. 3 crores (% p.a.) to Rs. 10 crores 

1 year 

6.80 

7.50 

> 1 year to 399 days 

6.80 

6.80 

400 days 

7.25 

401 days to 2 years 

6.80 

> 2 years to 3 years 

7.00 

6.50 

> 3 year to 1203 days 

6.50 

6.25 

1204 days** 

6.40 

6.15 

1205 days to 5 years 

6.50 

6.25 

> 5 years to 1894 days 

6.50 

5.60 

1895 days** 

6.35 

5.45 

1896 days to 10 years 

6.50 

5.60 

Note: The FD interest rates are effective as of 1 August 2024. It can change at the discretion of the bank.

PNB FCNR (B) Deposit Rates

Currency 

1 year < 2 years 

2 years < 3 years 

3 years < 4 years 

4 years < 5 years 

5 years only 

USD 

5.24 

3.98 

3.74 

3.49 

3.49 

GBP 

4.85 

3.75 

3.30 

3.20 

3.00 

EUR 

3.26 

1.52 

1.52 

1.52 

1.52 

JPY 

0.20 

0.20 

0.20 

0.20 

0.20 

CAD 

3.51 

3.11 

2.86 

2.91 

2.96 

AUD 

4.54 

4.44 

4.15 

3.95 

3.75 

Note: The FCNR FD interest rates are effective as of 1 December 2024. It can change at the discretion of the bank. 

FAQs on PNB NRI FD Rates

  • What is the maximum amount I can deposit in PNB NRI fixed deposit?

    You can deposit a maximum of Rs.10 crore in PNB's NRI fixed deposit scheme.

  • What currency can be used to deposit money in PNB's NRI FD scheme?

    Only Indian rupees can be deposited in an NRI FD scheme.

  • What is the maximum tenure that Punjab National Bank offers for NRI fixed deposits?

    The maximum tenure that PNB offers in the NRI fixed deposit scheme is 10 years.

  • Do senior citizens get special interest rates for PNB's NRI FD schemes?

    No, there are no special interest rates for senior citizens in PNB's NRI FD schemes.

  • What are the foreign currencies I can deposit in Punjab National Bank's FCNR (B) deposit scheme?

    The foreign currencies you can deposit in PNB's FCNR (B) fixed deposit scheme are the Euro, Australian, Canadian, and US dollars, Pound Sterling, and Japanese Yen.

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