PNB Anupam Term Deposit Scheme

Those who want to save their income for the big time can always opt for a fixed deposit scheme. But the fact that every fixed deposit scheme doesn’t avail liquidity options when required is what keeps people thinking before opting for a fixed deposit scheme. Hence, punjab national bank has come up with anupam term deposit scheme which allows the depositors to cancel the account prematurely anytime and also benefits them with attractive interest rates on their deposits.

PNB Anupam term deposit scheme eligibility criteria:

  1. The applicant must be a regular income earner (self-employed or salaried).
  2. The applicant must be 18 years and above in age.
  3. The applicant is required to have an existing relationship with the bank like a bank account of some type.
  4. Can be a regular citizen and a huf member. groups, trusts, institutions, etc are also allowed.

PNB Anupam term deposit scheme features:

Account type


Deposit amount

Minimum: rs.10,000/-

Minimum deposit follow in multiples of rs. 1000

Maximum: rs.99,99,000/-

Rate of interest

The rate of interest under this scheme ranges between 7.25%-8% per annum.


Minimum: 6 months

Maximum: 120 months


TDS certificate will be issued by the bank

Lock-in period


Tax rebate applicability


Loan against pnb anupam term deposit scheme

NA (subject to change according to bank’s liquidity requirements and market conditions)



Auto renewals

It is only applicable for the tenure selected at the commencing period. Moreover, the renewal can be carried forward for another year if and only if the deposit under the scheme is continued.

PNB anupam term deposit interest rates:

The rate of interest offered under this fixed deposit scheme ranges between 7.25%-8% per annum for the regular citizens. On the other hand, the senior citizens can avail extra interest on their deposits under this scheme.

Furthermore, the rate of interest on the deposit is compounded quarterly or at the end of maturity. Moreover, it is payable at a discounted monthly or quarterly value.

As the rates offered by the bank on the term deposit scheme are linked with the base rate of the bank, and therefore, the rates are subject to change according to the bank’s market conditions.