Fixed Deposits have been long preferred investment for the individuals who are seeking safety, assured returns and simplicity. Among the various banks offering FD schemes in India, the SBI and the PNB stand out due to their higher reach and customer trust. Both the banks offer competitive interest rates on their 5 year FD schemes. But Let’s make a comparison of SBI VS PNB 5 Year FD. With this we will see what are the benefits and maturity amounts after 5 years of deposit.
SBI VS PNB 5 Year FD
A 5 Year FD is a financial instrument where an individual deposits a lump sum amount for a tenure of five years at a predetermined rate. The principal amount earns interest over the tenure and that will be provided to the depositor after the tenure ends. Both the SBI and PNB offer 5 Year FDs but with specialised schemes. Here we will only see regular 5 Years FD comparison of SBI and PNB. Let’s know which one makes a better choice for the depositors. Let’s make a SBI VS PNB 5 Year FD comparison.
SBI & PNB 5 Year Term Deposits – Overview
| Post Title | SBI VS PNB 5 Year FD |
| Country Name | India |
| Bank Name | SBI and PNB |
| Financial Instrument | Regular Fixed Deposit or Term Deposit |
| Tenure Period | 5 Years |
| Minimum Deposit Amount | Rs. 1000 in Both Bank |
| Banking Sector | Public Sector Banks |
| Benefits | Safety, Simplicity, Assured Interest |
| Interest Rate | As per Depositor Status |
| Official Web Page | www.sbi.co.in or www.pnbindia.in |
SBI 5 – Year Regular Term Deposit
In this Term Deposit scheme, the depositor needs to deposit a minimum Rs. 1,000. The depositor needs to deposit the lump sum amount that needs to be deposited for 5 years. The SBI offers a minimum period of deposit for 7 days and maximum period of deposit for 10 years. There is no upper limit on the maximum deposit but Rs. 2 crore or more are considered as bulk deposit. The interest is payable to the depositor quarterly and provided at the time of maturity.
Benefits of SBI 5 Years FD
- There is also a nomination feature available.
- The FD is transferable among all the SBI Branches.
- Also the depositor can take a loan against the FD which has a margin of 10% if the FD is over 36 months and under 60 months and margin of 15% if FD is over 60 months.
SBI 5 Yr FD Interest Rate
Generally, the FD interest rate is 7.00% for those who deposit for 2 years but less than 3 years and 6.50% for those who deposit for 5 years and up to 10 years. As of 2025, the depositors who deposit amount below Rs. 3 crore have interest rate:
| Tenure | General Customers | Senior Citizens |
| 5 Years – 10 Years | 6.50% | 7.50% |
If someone deposit over 3 crore then they may have interest rate:
| Tenure | General Customers | Senior Citizens |
| 5 Years – 10 Years | 6.25% | 6.75% |
SBI FD Maturity Amount
If someone deposits for 5 years, then they may get an interest of 6.50%. Let’s know this with the help of an illustration:
| Deposit Amount | General Customers |
| Rs. 25,000 | Rs. 30,335 |
| Rs. 1,50,000 | Rs. 1,82,011 |
PNB 5 Yr Regular Term Deposit
In this scheme, the depositor needs to deposit a minimum Rs. 1000 but this may vary as per the FD Scheme. The depositor gets the option to invest for 7 months to 10 years. Let’s know what is the maturity amount, rate of interest and Benefits:
Benefits of PNB 5 Year FD
- Nomination facilities can be accessible under this.
- Also the depositor can take out a loan or overdraft against the FD. The margin is 5%, 7.50%, 10%, 12%, 20%, 25% as per the FD tenure. But upto 5 years, the margin is 12%.
- The various FD schemes are provided by the PNB like Multi Benefit Special scheme, Road accidents victims schemes, and more.
PNB 5 Yr FD Interest Rate
| Tenure | Regular Customers | Senior Citizens |
| 1205 days – 5 years | 6.50% | 7.00% |
| 5 Years 1 day – 1894 days | 6.50% | 7.30% |
PNB 5 Yr FD Maturity Amount
| Deposit Amount | General Customers |
| Rs. 25,000 | Rs. 33,125 |
| Rs. 1,50,000 | Rs. 1,98,746 |
Comparison – SBI V/S PNB 5 Yr FD
| Basis of Difference | SBI | PNB |
| Minimum Deposit | Rs. 1000 | Rs. 1000 but varies as per chosen scheme |
| Maximum Deposit | No Limit but Rs. 2 crore considered as bulk | No Limit |
| Tenure Period | 7 Days to 10 Years | 7 Months to 10 Years |
| General Customer Interest Rate | 6.5% if investment is under 3 crore 6.25% if investment is over Rs. 3 Crore | 6.5% |
| Senior Citizen Interest Rate | 7.50% if investment is under 3 crore 6.75% if investment is over Rs. 3 Crore | 7.00% |
| Loan Against FD | Allowed with 10% and 15% Margin | Allowed with 5%, 7.50%, 10%, 12%, 20%, 25% Margin |
FAQ Related To SBI VS PNB 5 Year FD
Yes, premature withdrawal is allowed in both banks with different penalty charges.
Yes, through SBI Online Banking, the depositor can deposit their FD amount online.
Yes, based on the citizen status like senior citizen or general customer, the interest rates vary.
With the help of official pages which are www.sbi.co.in or www.pnbindia.in, the depositors can know the interest rates and with the help of FD Calculators, the maturity amounts can be estimated.