Key Insights

This PNB savings account has a tiered interest system, so customers with higher savings balances earn better rates.

The PNB savings account interest rate varies by account type, ranging from basic savings to the premium Power Plus, and each offers its own benefits.

There are no fees for NEFT transactions. For RTGS transfers, fees range from ₹24 to ₹49, based on the amount you send.

Are you looking for a way to grow your savings with a trusted public sector bank?

Don’t worry, just check out the latest PNB savings account interest rates to see how your money can increase over time. Understanding your potential returns is the first step to choosing the right account.

Your PNB savings account interest rate is calculated daily based on your end-of-day balance, so your money grows steadily each quarter.

This reliable method helps all customers, and pnb saving account interest rate for senior citizens can benefit from a higher interest rate.

Example:

I appreciate knowing my savings will grow steadily. By keeping ₹5,00,000 in my account at the current senior citizen rate, the interest I earn adds real value to my monthly income. This reliable return is one of the best things about the pnb saving account interest rate for senior citizens.

Latest PNB Bank Savings Account Interest Rates 2025-26

Do you know? You can grow your savings with the PNB savings account interest rate for 2025-26, which offers competitive returns.

Here is the list of the PNB Bank Savings Account Interest Rate 2025-26:

Amount of Savings Account	Detalis
Saving Fund Account Balance Up to ₹100 Crore	2.50% p.a.
Saving Fund Account Balance > ₹100 Crore <= ₹500 Crore	2.70% p.a.
Saving Fund Account Balance > ₹500 Crore <= ₹1,000 Crore	3.60% p.a.
Saving Fund Account Balance > ₹1,000 Crore <= ₹2,000 Crore	3.75% p.a.
Saving Fund Account Balance > ₹2,000 Crore	4.25% p.a.

Increase your account balance to access PNB's top interest rates and help your savings grow faster.

PNB Bank Savings Account Features & Benefits

PNB Bank provides savings accounts with useful features and dependable service, aiming to meet the needs of a wide range of customers as a trusted public sector bank.

Here is the list of the PNB Bank Savings Account Features and Benefits:

Features	Savings Account General
Who can open an account	Resident individuals (alone or together), associations, trusts, Hindu Undivided Families (HUFs), clubs, societies, and other institutions approved by the RBI are eligible.
Documents required for opening the account	Account Opening Form (AOF) Identity and address proof as required by KYC rules Photograph Relevant documents if you are opening an account for an Association, HUF, Club, Trust, Society, or similar group Any other documents required by RBI guidelines
Nomination Facility	Available to eligible persons as per the rules
Transactions	You should not make more than 40 debit entries in your account during a half-year period. IBS, ATM, SI debits, and debits for charges do not count toward the 40-transaction limit per half year. If you make more than 40 debit transactions, extra charges will apply. Third-party cash payments are allowed up to a maximum of ₹50,000 per day. In case the account holder visits the branch himself, a Withdrawal Slip must accompany the Passbook. Inter-sol cash payments to the account holder are limited to ₹5,00,000.
Additional facilities	Get 25 free personalised multicity cheque leaves each year. Transfer funds between PNB accounts for free. Enjoy free internet banking services. Move your account to any PNB branch without changing your account number. Your deposits are insured by DICGC up to Rs 5 lakh per customer. ATM-cum-Debit card available for individual accounts. Send funds quickly through NEFT or RTGS. Set up and manage standing instructions easily. Safe deposit lockers can also be booked online. Open your account online with ease.

You can take advantage of PNB's easy-to-use digital banking, free transactions, and simple account transfers to help manage your finances more efficiently.

BonusTip: You can transfer up to ₹1,00,000 per day. Only the account holder can use a withdrawal slip at the base branch, and there is no maximum limit for these withdrawals. Third parties cannot withdraw money using a withdrawal slip.

PNB Bank Savings Account Fees & Charges

Feel confident about your banking by knowing the key fees and charges for your PNB Savings Account in advance.

Here is the list of the Fees and Charges of the PNB Savings account:

Types of Fees and Charges	Details
RTGS	₹2,00,000 to ₹5,00,000: 24 Above ₹5,00,000: 49
NEFT	NIL
IMPS	Up to ₹1000: NIL Above ₹1001 to ₹1,00,000: ₹5.00 Above ₹1,00,000: ₹10.00
National Automated Clearing House(NACH) Mandate	₹100/- per mandate on acceptance (Inward NACH eMandate(Online Mandate) verification)
National Automated Clearing House(NACH) Mandate	₹125/- per mandate on acceptance (Inward NACH eMandate verification (Physical))

You can choose NEFT and NACH for more affordable transfers, and keep an eye on the fees for RTGS and IMPS.

PNB Bank Savings Account Types

PNB Bank has a range of savings accounts designed for all kinds of customers, from students to pnb saving account interest rate for senior citizens.

Here is the list of the PNB Savings Account Types:

Types of PNB Savings Account	Detalis
Youth Savings Account	The PNB Rise Account is for young adults aged 18 to 28. With the Junior account, minors get free debit cards, NEFT limits, and view-only mobile banking access.
PNB Select Savings Account	It offers benefits such as higher cash withdrawal and e-commerce/POS limits, domestic airport lounge access once every six months, and possibly higher ATM limits with a PNB RuPay Select Debit Card.
PNB Elite Savings Account	The PNB Elite Savings Account offers benefits such as accidental insurance up to ₹1 Crore, free premium debit cards, large locker rent waivers, health checkups, gym access, and exclusive perks like OTT subscriptions, lounge access, and merchant discounts.
PNB Kisan Savings Account	The PNB Kisan Savings Account, including options like Harit and Samriddhi, is designed for farmers aged 18 and above. It provides benefits such as free health services, debit cards with accident insurance, loyalty rewards, and discounts on loans or locker rent.
PNB Women Power Savings Account	The PNB Women Power Savings Account is a savings plan from Punjab National Bank designed to help women in India become more financially independent. It offers benefits like loan concessions, insurance coverage, and lower fees on banking services.

You can pick the account that suits you and enjoy benefits such as youth perks or special lifestyle rewards.

Conclusion

PNB Bank offers several savings accounts with good interest rates and choices to match what you need. If you choose the right account and watch your balance, you can earn more, use easy digital tools, and keep your transaction costs down so your savings can grow over time.

FAQs

Is the PNB Savings account related to the query by the PNB?

Yes, the Punjab National Bank (PNB) Savings Account is one of PNB’s main banking products. They offer different types, such as basic, senior citizen, and youth accounts. You can access these through their app (PNB ONE), WhatsApp, missed calls, or by visiting a branch.

I did not receive the full maturity amount for my PNB Fixed Deposit. Can you please help me with this issue?

If you have not received the full maturity amount for your PNB Fixed Deposit, start by checking your FD instructions, such as whether it is set to auto-renew or pay out, and see if there were any deductions for early closure. Next, contact PNB Customer Care at 1800-180-2222 or visit your branch with your FD receipt and ID. If the issue is not resolved, you can escalate it to the Principal Nodal Officer at care@pnb.bank.in.

What is your review of banking in Punjab National Bank?

Punjab National Bank (PNB) is known for job security and a large branch network. Customers often praise its digital banking app, but some mention inconsistent service at branches and occasional problems with the app.

How do I calculate the interest rate on my savings account?

To calculate the interest on your savings account, use this formula: (Daily Balance × Annual Interest Rate / 365) × Number of Days. Banks figure out interest on your balance each day, even if they only pay it every few months. Start by finding your bank’s annual interest rate, such as 4%. Divide that rate by 365 to get the daily rate.

What is the age limit for a PNB savings account?

You need to be at least 18 years old to open a Punjab National Bank savings account. If you are over 10 but under 18, you can still have a savings account, but a legal guardian must supervise it.