BOI vs PNB RD
Side-by-side comparison of Bank of India and Punjab National Bank RD 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 — RD side-by-side
rates as on 2025-09BOI RD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 6 – 12 months | 6.00 | 6.50 |
| 1 – 2 years | 6.80 | 7.30 |
| 2 – 3 years | 6.75 | 7.25 |
| 3 – 5 years | 6.50 | 7.00 |
| 5 – 10 years | 6.00 | 6.75 |
PNB RD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 6 – 12 months | 6.00 | 6.50 |
| 12 – 24 months | 6.80 | 7.30 |
| 24 – 36 months | 7.00 | 7.50 |
| 36 – 60 months | 6.50 | 7.00 |
| 60 – 120 months | 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
- · RD rate band: 6.00% – 6.80%
- · Senior bonus: 50 bps
- · Min monthly: ₹100
Second-largest public sector bank with century-old roots and one of the strongest senior citizen FD bonuses.
- · Established 1894, HQ New Delhi
- · RD rate band: 6.00% – 7.00%
- · Senior bonus: 50 bps
- · Min monthly: ₹100
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 RDcalculator 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).