Central Bank vs PNB FD
Side-by-side comparison of Central 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.
Central Bank vs PNB — FD side-by-side
rates as on 2025-09Central Bank FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 45 days | 3.50 | 4.00 |
| 46 – 179 days | 4.75 | 5.25 |
| 180 days – 1 year | 6.25 | 6.75 |
| 1 year – 2 years | 6.85 | 7.35 |
| 2 – 3 years | 7.00 | 7.50 |
| 3 – 5 years | 6.75 | 7.25 |
| 5 – 10 years | 6.50 | 7.00 |
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 |
// central bank vs pnb at a glance
One of the oldest commercial banks in India with deep rural footprint and PSU deposit guarantees.
- · Established 1911, HQ Mumbai
- · FD rate band: 3.50% – 7.00%
- · Senior bonus: 50 bps
- · Min deposit: ₹100
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 Central 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).