PNB vs SBI RD
Side-by-side comparison of Punjab National Bank and State Bank of India 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.
PNB vs SBI — RD side-by-side
rates as on 2025-09PNB 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 |
SBI RD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 12 months – 24 months | 6.80 | 7.30 |
| 24 months – 36 months | 7.00 | 7.50 |
| 36 months – 60 months | 6.75 | 7.25 |
| 60 months – 120 months | 6.50 | 7.50 |
// pnb vs sbi at a glance
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
India's largest public sector bank with a nationwide branch network and one of the deepest FD/RD ladders in the country.
- · Established 1955, HQ Mumbai
- · RD rate band: 6.50% – 7.00%
- · Senior bonus: 50 bps
- · Min monthly: ₹100
Both Punjab National Bank and State Bank of India 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).