HDFC Bank
Punjab National Bank
Fixed deposit rates,
side by side.
Headline rates
1-year retail
HDFC Bank
1-year retail
Punjab National Bank
5-year retail
HDFC Bank
5-year retail
Punjab National Bank
On the 1-year retail rate, Punjab National Bank leads by +5 bps. On 5 years, the lead flips to HDFC Bank by +30 bps.
Worked example
What ₹10 lakh would earn over 1 year.
HDFC Bank
Punjab National Bank
Difference: ₹500 over the year. Simple-interest approximation; actual yield depends on compounding frequency.
Rate × tenor
The full curve.
Slab-by-slab
Every tenor, both banks.
| Tenor | Bucket | Rate |
|---|---|---|
| 7 – 14 days | SHORT | 2.75% |
| 15 – 29 days | SHORT | 2.75% |
| 30 – 45 days | MEDIUM | 3.25% |
| 46 – 60 days | MEDIUM | 4.25% |
| 61 – 89 days | MEDIUM | 4.25% |
| 90 days – 6 months | MEDIUM | 4.25% |
| 6 months 1 day – 9 months | MEDIUM | 5.50% |
| 9 months 1 day – less than 1 year | MEDIUM | 5.75% |
| 1 year – less than 15 months | LONG | 6.25% |
| 15 months – less than 18 months | LONG | 6.35% |
| 18 months – less than 21 months | LONG | 6.45% |
| 21 months – 2 years | LONG | 6.45% |
| 2 years 1 day – less than 2 years 11 months | LONG | 6.45% |
| 2 years 11 months (35 months) | LONG | 6.45% |
| 2 years 11 months 1 day – 3 years | LONG | 6.45% |
| 3 years 1 day – less than 4 years 7 months | LONG | 6.50%★ best |
| 4 years 7 months (55 months) | LONG | 6.40% |
| 4 years 7 months 1 day – 5 years | LONG | 6.40% |
| 5 years 1 day – 10 years | ULTRA-LONG | 6.15% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 to 14 days | SHORT | 3.00% |
| 15 to 45 days | MEDIUM | 3.00% |
| 46 to 90 days | MEDIUM | 4.50% |
| 91 to 154 days | MEDIUM | 4.90% |
| 155 days | MEDIUM | 5.55% |
| 156 to 179 days | MEDIUM | 4.90% |
| 180 to 270 days | MEDIUM | 5.60% |
| 271 days to 302 days | MEDIUM | 5.60% |
| 303 days | MEDIUM | 5.55% |
| 304 days to less than 1 year | MEDIUM | 5.60% |
| 1 year | MEDIUM | 6.25% |
| Above 1 year to 443 days | LONG | 6.30% |
| 444 days | LONG | 6.60%★ best |
| 445 days to 2 years | LONG | 6.30% |
| Above 3 years to 1203 days | LONG | 6.10% |
| 1204 days | LONG | 6.05% |
| 1205 days to 5 years | LONG | 6.10% |
| Above 5 years to 10 years | ULTRA-LONG | 6.00% |
Pick any two banks
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Or jump to a single bank: HDFC Bank FD rates · Punjab National Bank FD rates