PSBसार्वजनिक क्षेत्र का बैंक

Punjab & Sind Bank की नवीनतम ब्याज दरें - September 2026

पंजाब एंड सिंध बैंक (PSB)

1 वर्ष FD: 5.85% बेंचमार्क दर: 7.35%

ब्याज दर सारांश

Punjab & Sind Bank (PSB) Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from Punjab & Sind Bank (PSB):

Featured Rates & Retail Loan Schemes:

Savings Deposit: The base savings bank deposit rate stands at 2.40% p.a. on balances up to ₹1 Crore, scaling up to 4.70% p.a. for institutional and ultra-high balance tiers.
Retail Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 5.85% p.a. (Senior citizens receive an additional +0.50% at 6.35% p.a.). Special buckets such as 444-day and 666-day tenures offer peak yields between 6.80% and 6.85% p.a. for general depositors (7.30% – 7.35% p.a. for senior citizens).
Home Loans (PSB Apna Ghar): Floating interest rates start from 7.30% p.a. linked to Punjab & Sind Bank's Repo Linked Lending Rate (PRLR at 7.35%), with repayment tenures up to 30 years and zero prepayment penalties.
Vehicle & Personal Loans: Auto financing rates start from 7.30% p.a. (floating) and 9.05% p.a. (fixed) for tenures up to 7 years. Unsecured personal loans start from 9.60% p.a. on a reducing balance basis.
Credit Cards: Standard retail credit cards (including cards backed against fixed deposits) carry revolving finance charges between 2.50% and 3.00% per month (30.00% – 36.00% APR) with an interest-free grace period up to 50 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750+ allows borrowers to access Punjab & Sind Bank's lowest risk-spread bracket over PRLR and obtain fee concessions under festive campaign schemes.

जमा और FD ब्याज दरें - PSB

इकाई: % प्रति वर्ष

जमा अवधि	शाखा दर (Branch Rate)	ऑनलाइन / नेटबैंकिंग दर 📱
बचत खाता (Savings)	2.4%	2.4%
1 महीना	2.85%	2.85%
3 महीने	3.35%	3.35%
6 महीने	4.85%	4.85%
12 महीने (मानक ⭐)	5.85%	5.85%
24 महीने	5.95%	5.95%
36 महीने	5.85%	5.85%