# PNB, PSB top FD rates after RBI keeps repo rate at 5.25%

2026-08-12T16:07:22+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

RBI has held the repo rate steady at 5.25%, reducing the chance of near-term changes in fixed deposit rates as per bazaar.businesstoday.in. Punjab & Sind Bank offers general customers up to 6.85% on select tenors, with senior citizens getting up to 7.35% on 666-day deposits. Punjab National Bank offers general customers up to 6.60%. Separately, Bandhan Bank and IDFC First Bank offer higher returns than SBI on certain tenors. Bandhan Bank gives general customers up to 7.45% on 2-year deposits, while IDFC First Bank offers 7.25% on 3-year deposits. SBI's highest general FD rate is 6.45% for 444 days. On a Rs 10 lakh deposit, Bandhan Bank could fetch Rs 10,000 more annually than SBI.

## Coverage

- bazaar.businesstoday.in <https://bazaar.businesstoday.in/personal-finance/story/rbi-keeps-repo-rate-unchanged-check-latest-fd-interest-rates-of-punjab-and-sind-bank-and-pnb-1435754-2026-08-10?utm_source=rssfeed>
- bazaar.businesstoday.in <https://bazaar.businesstoday.in/personal-finance/story/fd-rates-2026-bandhan-bank-offers-seven-point-four-five-percent-idfc-first-seven-point-two-five-percent-check-how-much-more-you-can-earn-than-sbi-1437136-2026-08-13?utm_source=rssfeed>

Tags: fixed deposits, personal finance, PNB, Punjab & Sind Bank, RBI repo rate, senior citizen FD rates
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