BOI vs PNB FD
Side-by-side comparison of Bank of India and Punjab National Bank FD schemes — rate bands, senior bonuses, compounding and end-to-end maturity on identical inputs. All figures use last-published rates as on 2025-09.
BOI vs PNB — FD side-by-side
rates as on 2025-09BOI FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 45 days | 3.00 | 3.50 |
| 46 – 179 days | 5.00 | 5.50 |
| 180 days – 1 year | 6.00 | 6.50 |
| 1 year – 444 days | 6.80 | 7.30 |
| 444 days (special) | 7.25 | 7.75 |
| 445 days – 3 years | 6.75 | 7.25 |
| 3 – 5 years | 6.50 | 7.00 |
| 5 – 10 years | 6.00 | 6.75 |
PNB FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 45 days | 3.50 | 4.00 |
| 46 – 179 days | 5.50 | 6.00 |
| 180 days – 1 year | 6.25 | 6.75 |
| 1 year – 2 years | 6.80 | 7.30 |
| 2 – 3 years | 7.00 | 7.50 |
| 3 – 5 years | 6.50 | 7.00 |
| 5 – 10 years | 6.50 | 7.30 |
// boi vs pnb at a glance
Long-established public sector bank with strong rural reach and competitive 444/555-day special tenor FDs.
- · Established 1906, HQ Mumbai
- · FD rate band: 3.00% – 7.25%
- · Senior bonus: 50 bps
- · Min deposit: ₹1,000
Second-largest public sector bank with century-old roots and one of the strongest senior citizen FD bonuses.
- · Established 1894, HQ New Delhi
- · FD rate band: 3.50% – 7.00%
- · Senior bonus: 50 bps
- · Min deposit: ₹1,000
Both Bank of India and Punjab National Bank are scheduled commercial banks regulated by the Reserve Bank of India, so the contract terms, KYC requirements and DICGC ₹5 lakh deposit insurance are identical. The real differentiation is in the rate card and the special-tenor product mix.
The FDcalculator above lets you tune principal, tenor, and each bank's applicable rate independently — useful when the two banks lead at different slabs (a common scenario when one runs a special-tenor offer like 444 / 555 / 700 days).