News India Live, Digital Desk: If you also want to keep your deposit safe and earn huge interest on it, 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 have revised their interest rates, due to which senior citizens and the general public are now getting higher returns than before. How much interest will they get in PNB now? (Punjab National Bank FD Rates) Punjab National Bank has attracted investors by improving its FD rates. General public: PNB is now offering interest ranging from 3% to 6.45% on FDs of 7 days to 10 years. Senior Citizen: For senior citizens, these rates range from 3.50% to 6.95%. Super Senior Citizen: PNB rates for investors above 80 years of age. 7.25%, especially in the ‘Special Scheme’ of 390 to 444 days.Top 7 banks giving returns of 8% or more (List of Top Banks)If your aim is to touch the magic figure of 8%, then Small Finance Bank (SFB) has emerged as the best option:Bank NameGeneral Public (Maximum Interest)Senior Citizens (Maximum Interest)Unity Small Finance What about the big banks (SBI, HDFC, ICICI) Situation? Big government and private sector banks are still emphasizing on stability: SBI: Under the ‘Amrit Vrishti’ (444 days) scheme, a maximum interest of 6.45% (7.05% for senior citizens) is being offered. HDFC & ICICI: These banks are offering returns of 6.50% to 7.10% on long term FDs (3-5 years). Useful tips for investorsSpecial Tenure (Special Tenure): Always check for schemes with ‘special tenure’ 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 deposits up to Rs 5 lakh are fully protected by ‘Deposit Insurance and Credit Guarantee Corporation’ (DICGC).
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