HDFC vs PNB FD
Side-by-side comparison of HDFC Bank 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.
HDFC vs PNB — FD side-by-side
rates as on 2025-09HDFC FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 29 days | 3.00 | 3.50 |
| 30 – 90 days | 4.50 | 5.00 |
| 91 – 180 days | 5.75 | 6.25 |
| 181 days – 1 year | 6.60 | 7.10 |
| 1 year – 15 months | 6.60 | 7.10 |
| 15 months – 18 months | 7.10 | 7.60 |
| 18 months – 21 months | 7.25 | 7.75 |
| 21 months – 3 years | 7.00 | 7.50 |
| 3 – 5 years | 7.00 | 7.50 |
| 5 – 10 years | 6.40 | 7.40 |
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 |
// hdfc vs pnb at a glance
Largest private sector bank in India known for digital-first FD booking and competitive callable & non-callable deposit slabs.
- · Established 1994, HQ Mumbai
- · FD rate band: 3.00% – 7.25%
- · Senior bonus: 50 bps
- · Min deposit: ₹5,000
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 HDFC Bank 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).