These 7 banks including PNB increased interest rates, now you will get profit up to 8% – ..
News India Live, Digital Desk: If you also want to earn huge interest on your deposits by keeping them safe, then this is the right time. A major change in FD rates is being seen in the Indian banking sector in February 2026. PNB, SBI and many small finance banks has revised its interest rates, due to which senior citizens and the general public are now getting higher returns than before.
How much interest will you get in PNB now? (Punjab National Bank FD Rates)
Punjab National Bank has attracted investors by improving its FD rates.
General public: PNB now on FD from 7 days to 10 years 3% to 6.45% Is paying interest till.
Senior Citizen: These rates for senior citizens 3.50% to 6.95% are up to.
Super Senior Citizen: PNB rates for investors above 80 years of age 7.25% has reached, especially in the ‘Special Scheme’ of 390 to 444 days.
Top 7 banks giving 8% or more returns (List of Top Banks)
If your aim is to touch the magic figure of 8%, then Small Finance Banks (SFBs) have emerged as the best option:
| bank name | General public (maximum interest) | Senior Citizens (Maximum Interest) |
|---|---|---|
| Unity Small Finance Bank | 8.50% | 9.10% |
| Suryoday Small Finance Bank | 8.05% | 8.35% |
| Jana Small Finance Bank | 7.77% | 8.27% |
| Utkarsh Small Finance Bank | 7.50% | 8.00% |
| Equitas Small Finance Bank | 7.20% | 7.70% |
| Bank | 7.20% | 7.70% |
| RBL Bank | 7.20% | 7.70% |
What is the condition of big banks (SBI, HDFC, ICICI)?
Big public and private sector banks are still emphasizing on stability:
SBI: Maximum under the scheme ‘Amrit Vrishti’ (444 days) 6.45% (for senior citizens) 7.05%) is paying interest.
HDFC & ICICI: These banks offer long term FD (3-5 years) 6.50% to 7.10% Are offering returns up to.
Useful tips for investors
Special Tenure: Always check for ‘special tenure’ schemes like 390 days, 444 days or 666 days, the interest rates here are higher than normal FDs.
DICGC Cover: Remember that even in small finance banks your 5 lakhs. Deposits up to Rs are fully protected by the ‘Deposit Insurance and Credit Guarantee Corporation’ (DICGC).
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