PNB 665 Days FD offers an interest rate of 6.30% per annum to general customers, while senior citizens can earn 6.80% on eligible domestic fixed deposits below ₹3 crore.
Super senior citizens can get 7.10% for the same tenure.
The 665-day tenure falls under Punjab National Bank’s current domestic fixed deposit rate structure for deposits below ₹3 crore.
The rates were revised with effect from June 1, 2026.
PNB 665 Days FD Interest Rates
For a 665-day fixed deposit, PNB currently offers 6.30% annual interest to the general public.
Senior citizens receive an additional 50 basis points, taking the applicable rate to 6.80%.
For customers aged 80 years and above, the super senior citizen rate is 7.10%.
The additional interest benefit is applicable to eligible domestic deposits as per the bank’s rules.
The interest rate for the 665-day tenure is different from the rate applicable to PNB’s 666-day deposit, which currently carries a 6.50% rate for general customers, 7.00% for senior citizens and 7.30% for super senior citizens.
How Much Interest Can You Earn on 665 Days FD?
The actual interest earned on a PNB fixed deposit depends on the amount invested and the interest payout option selected.
For a simple illustration, a ₹1 lakh deposit at 6.30% per annum would generate interest based on the applicable deposit calculation for the 665-day period.
For a senior citizen, the same ₹1 lakh deposit would earn interest at the higher applicable rate of 6.80%.
A super senior citizen would receive the applicable 7.10% rate.
The final maturity amount can differ depending on whether the FD is cumulative or has periodic interest payouts.
Investors should therefore check the maturity calculation provided by the bank before opening the deposit.
Senior Citizens Get Higher PNB FD Interest
PNB provides an additional interest rate to eligible senior citizens on domestic deposits.
Customers aged 60 years and above but below 80 years receive an additional 50 basis points over the applicable card rate for deposits up to five years.
Super senior citizens aged 80 years and above receive an additional 80 basis points across the applicable maturity buckets.
The bank also has separate provisions for eligible retired staff members who are senior citizens.
The additional senior citizen benefit is not applicable to NRO deposits, according to PNB’s published deposit-rate information.
PNB FD Rates and What Investors Should Check
PNB 665 Days FD is one of the maturity periods listed in the bank’s current domestic term-deposit rate table.
Investors should check the applicable rate on the date they open or renew an FD because banks can revise deposit rates.
The interest calculation also depends on the deposit scheme and payout option.
PNB states that interest on deposits is calculated on the basis of a 365-day year unless otherwise specified.
Before investing, customers should compare the applicable rate, tenure, premature-withdrawal conditions and taxation implications.
The interest earned on an FD is taxable according to the investor’s applicable tax rules.
For investors seeking a fixed-return option, the 665-day FD provides a defined tenure with different interest rates for general customers, senior citizens and super senior citizens.
