Punjab National Bank
Today's rate picture across the 3 products Capera tracks for Punjab National Bank. Each is ranked against every other Indian bank in the same universe.
Fixed deposits
FD rates
6.30%
1-year retail rate
Best 6.60% · 444 days
#2of 9We rank every bank by its 1-year retail FD rate (under ₹3 crore), within its own category. Higher = better for the depositor. Updated daily from each bank's published rate card.
among NBFCs
View full slab structure
Foreign exchange
FX rates
₹0.70
USD spread (TT)
0.73% of mid · 95.44 / 96.14
#3of 33We rank every bank by its USD buy-sell spread on the TT (telegraphic transfer) channel, the tightest forex channel. The spread is the difference between the bank's buy and sell quote in rupees per US dollar. Lower = better for the buyer. Same trade can cost 10× more at the widest bank.
by USD-TT spread
View full currency matrix
Lending
Loan rates
8.75%
MCLR (1-year tenor)
EBLR 8.10% · Spread to repo 285 bps
#10of 17We rank every bank by its 1-year MCLR (Marginal Cost of Funds Lending Rate). This is the bank's own cost-of-funds benchmark for term loans that reset annually. MCLR is internal to each bank (unlike EBLR, which tracks the RBI repo rate), so it reflects funding efficiency and pricing discipline. Lower = better for the borrower. Only banks publishing a current 1-year MCLR are included.
by 1-year MCLR
View EBLR + MCLR detail
All rates refreshed daily from each bank's published rate card. See individual product pages for full slab structure, history, and head-to-head comparisons.
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