Interest Rates on Saving Bank Deposits with effect from 18 August 2025.
Particular
Rate of Interest
Saving Bank Deposit including NRE/NRO
Revised Rates w.e.f 18.08.2025 (% p.a)
Upto 1 Crore
2.40%
Above 1 Crore to upto 50 Crore
2.60%
Above 50 Crore to upto 100 Crore
4.22%
Above 100 Crore to upto 500 Crore
4.25%
Above 500 Crore
4.70%
Rate of interest on domestic term deposits, NRO accounts, capital gain accounts scheme 1988, recurring deposit scheme and psb fixed deposit tax-saver scheme
Revised w.e.f. 01/10/2025 (% p.a.)
Maturity
Fixed Deposit Less than Rs.3 Cr
7 – 14 Days
3.00 (#)
15 – 30 Days
3.00
31 – 45 Days
3.00
46 – 90 Days
3.50
91 – 120 Days
3.50
121 – 150 Days
3.50
151 – 179 Days
5.00
180 – 364 Days
5.00
1 Year
6.00
>1 Year – 374 Days
5.75
375 Days (Callable)
6.55
375 Days (Non‑Callable*)
6.65
376 – 443 Days
5.75
444 Days (Callable)
6.60
444 Days (Non‑Callable*)
6.70
445 Days – ≤ 22 Months
6.00
22 Months (PSB Green Earth)
6.10$
>22 Months – <2 Years
6.00
2 Years – 776 Days
6.10
777 Days
6.15
778 – 998 Days
6.00
999 Days (Callable)
6.10
999 Days (Non‑Callable*)
6.15
1000 Days – < 3 Years
6.10
3 Years – < 44 Months
6.00
44 Months (PSB Green Earth)
6.10$
>44 Months – 5 Years
6.00
5 Years
6.10
>5 Years – < 66 Months
6.00
66 Months (PSB Green Earth)
6.10$
>66 Months – 10 Years
6.00
(#) Minimum amount of term deposit shall be Rs.1.00 lac.
(*)Minimum Deposit for Non-Callable Deposit –Rs.100.01 Lakh, Maximum Deposit Rs.299.00 Lakh. Other conditions of Non-callable deposits to be adhered as per circular issued by HO P&D from time to time
($) Other conditions of Green deposits to be adhered as per circular issued by HO P&D from time to time
FDRs issued for special purpose (under direction of court etc.), the term may exceed 10 years. The effective ROI for the same shall be as applicable for ‘>5Y-10Years’ bucket.
Note:
Senior Citizens shall be given benefit of additional interest of 0.50% on term deposits of less than Rs. 3 crore, over and above the mentioned rates for the maturity of 180 days & above on fresh as well as on renewal of term deposits. This shall not be available to NRE, NRO deposits, capital gain and Bulk deposits.
Super Senior Citizens (80 Years & above) shall be given benefit of additional interest of 0.15% on specific period (i.e.375 Days, 444Days, 777Days,999Days), PSB Green Earth (22M, 44M, 66M) Term Deposits of less than Rs.3 crore, over and above mentioned in point no.2 on fresh as well as on renewal of term deposits, same shall not be available to NRE, NRO deposits, capital gain and Bulk deposits.
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A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsindbank.co.in and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
General Manager-IT,
Punjab & Sind Bank
Internet Banking
Dear customers,
A New Internet Banking and Mobile Banking Solution - PSB UnIC for Retail Customers including NRE/NRO and PSB UnIC Biz for Sole Proprietor customers and Corporate Customers has been rolled out successfully by the Bank bringing UPI, IMPS, NEFT, RTGS and many more banking services under one platform.
Please note that our customers have already been notified that the old Internet Banking Portal of the Bank will be pulled down by 28.02.2022. The Funds Transfer services were blocked for Retail Internet Banking Customers since 09.01.2022. However, our old Internet Banking Portal was running parallelly for the last few days for the benefit of old Retail and Corporate Internet Banking Customers. It has now been decided that the Old Internet Banking will be pulled down on midnight of 21.03.2022. Bill Payments and Tax Payments ( OLTAS and GST) can be done through PSB UnIC digital platform. Bill Payment services are moved to PSB UnIC from 16.03.2022 onwards and the OLTAS functionality will be live from 18.03.2022 through PSB UnIC.
Our existing old Internet Banking customers ( Retail and Sole Propriership) who are yet to register in PSB UnIC are requested to make a onetime registration by visiting our website: https://punjabandsindbank.co.in and by clicking on PSB UnIC and choosing appropriate Option as follows:
And submit the duly signed application form along with required documents Viz. Board Resolution / Partnership Letter with Deed / Trust, Society, Club Resolution Letter/ HUF Letter etc. and also the KYC documents of the Authorised Users immediately to the parent Branch.
These corporate customers will be sent a registration kit through email after submission of the above documents. By Using the credentials in the mail, the corporate customers are requested to register by following the instructions contained in the email and start availing the benefit of PSB UnIC Biz services.
