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PNB Saksham Deposit schemes is a very reliable fixed deposit product that takes care of the recurring financial needs of the individual depositing over and above the particular interest income earned on term deposit through regular monthly payout that consists of interest along with the partial amount of the principal.
Account Type: Type of individual (singly or jointly), Association, Club, Society, Trust or Religious/ Charitable and Educational Institutions, etc.
Others: Illiterate or visually handicapped can also have this fixed deposit account
Type of Payment: Regular monthly payout consisting of interest plus part of principal.
Account Type |
Single and Joint for Association, Club, Society, Trust or Religious/ Charitable and Educational Institutions, etc. available |
Amount |
Minimum Amount: Rs.25000/- Maximum Amount: Thereafter in multiple of Re.1/- subject to maximum of Rs. 10 Crore |
Rate of Interest |
As per card rate of the term deposit of various tenors, given below in the Interest Rate section. 0.50% additional interest to Senior Citizens over and above the normal interest applicable. |
Period (Multiple of 3 months) |
Minimum: 12 months Maximum: 120 months |
TDS |
None mentioned |
Loan against ----Bank---- Scheme |
N.A. |
Nomination (if any) |
N.A. |
Auto Renewals |
N.A. |
Rate of Interest on Single Domestic Term Deposits (TD) and NRE Term Deposits of upto Rs.10 cr (w.e.f. 26.11.2015) as on December 1, 2015. Rates are subject to change on the bank’s discretion.
Domestic TD Less than Rs.1 cr. |
Domestic TD Rs.1 cr. To Rs 10 cr # |
NRE TD Less than Rs. 1 cr |
NRE TD Rs. 1 cr. To Rs. 10 cr. |
PNB Tax Saver FD |
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Sl. No |
Period |
ROI (% p.a.) |
A.Y.* |
For Senior Citizen ROI (% p.a.) |
ROI (% p.a.) |
A.Y.* |
ROI (% p.a.) |
ROI (% p.a.) |
ROI (% p.a.) |
1 |
7 to 14 days |
4.25 |
4.25 |
4.75 |
4.00 |
4.00 |
NA |
NA |
NA |
2 |
15 to 29days |
4.25 |
4.25 |
4.75 |
4.00 |
4.00 |
NA |
NA |
NA |
3 |
30 to 45 days |
4.75 |
4.75 |
5.25 |
4.00 |
4.00 |
NA |
NA |
NA |
4 |
46 to 90 Days |
6.25 |
6.25 |
6.75 |
5.00 |
5.00 |
NA |
NA |
NA |
5 |
91 to 179 days |
6.50 |
6.50 |
7.00 |
5.75 |
5.75 |
NA |
NA |
NA |
6 |
180 days to 270 Days |
7.00 |
7.06 |
7.50 |
6.50 |
6.55 |
NA |
NA |
NA |
7 |
271 days to less than 1 year |
7.00 |
7.12 |
7.50 |
6.50 |
6.61 |
NA |
NA |
NA |
8 |
1 year & upto 2 years |
7.50 |
7.71 |
8.00 |
7.00 |
7.19 |
7.50 |
7.00 |
NA |
9 |
above 2 year & upto 5 years |
7.25 |
7.73 |
7.75 |
6.75 |
7.16 |
7.25 |
6.75 |
7.25 |
10 |
above 5 years & upto 10 years |
7.25 |
8.65 |
7.75 |
6.75 |
7.95 |
7.25 |
6.75 |
Yes, visually challenged people can apply for this loan.
12 months is the minimum time period for a term deposit.
120 months is the maximum time period for a term deposit.
The minimum amount that can be deposited is Rs. 25,000
Rs. 1 crore is the maximum amount that may be deposited.
Useful Information on PNB Fixed Deposit
Other Fixed Deposit Schemes Offered by PNB
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