Punjab National Bank offers a special 666 Days FD scheme, a unique fixed deposit with exactly 666 days tenure. This option often gives slightly better returns than standard periods, making it appealing for medium-term savers who want safety and decent growth.
Right now in January 2026, people are checking this out because PNB’s rates were updated recently (effective from January 1, 2026 for regular slabs), and special tenures like this stay popular for locked-in higher yields in a public sector bank.
What Is the PNB 666 Days FD?
This is a special term deposit lasting 666 days (about 1 year and 10 months). It’s designed to offer attractive interest compared to nearby tenures. You can open it as a regular FD or in special categories, with minimum deposit usually starting at ₹1,000.
Current Interest Rates for 666 Days
As per latest available info, this tenure offers competitive rates. General citizens get around 6.45% p.a., seniors earn 6.95%, and super seniors up to 7.25% (based on older special scheme data; always confirm with bank as rates can vary). It’s often higher than standard 1-2 year slabs.
Who Can Open This FD?
Anyone can apply—individuals, joint holders, HUFs, or trusts. Seniors (60+) and super seniors (80+) get extra interest. New customers need KYC, while existing ones can use net banking.
Key Benefits of Choosing 666 Days
It provides good returns without tying money for too long. Safe with DICGC cover up to ₹5 lakh. You can get a loan against it, nominate beneficiaries, and enjoy flexible payout options like quarterly or at maturity.
Premature Withdrawal and Penalty Rules
Early withdrawal is allowed with a penalty (usually 1%). Some special schemes may have restrictions. Plan ahead to avoid losing interest.
Comparison with Nearby Tenures
This tenure often edges out regular ones for better rates.
| Tenure | General Citizens (%) | Senior Citizens (%) | Super Senior Citizens (%) | Notes |
|---|---|---|---|---|
| 1 Year (365 days) | 6.10 | 6.60 | 6.90 | Standard |
| 390 Days | 6.40 | 6.90 | 7.20 | Popular special |
| 666 Days (Special) | 6.45 | 6.95 | 7.25 | Unique tenure, often higher |
| 2 Years | 6.30 | 6.80 | 7.10 | Regular |
How to Apply for PNB 666 Days FD
Visit a branch, use PNB mobile app, internet banking, or online portal. Provide ID proof and deposit amount. Use the bank’s FD calculator to see exact maturity.
Tax and Other Considerations
Interest is taxable as income. TDS applies if yearly interest exceeds ₹40,000 (₹50,000 for seniors). Submit Form 15G/H if below tax slab.
In summary, the PNB 666 Days FD is a smart pick for solid, secure returns over a medium term with slightly better rates than regular options. Rates are competitive in January 2026, backed by a trusted public bank. Head to the official PNB website (pnbindia.in), check the latest rates, or visit your nearest branch to confirm details and open one today. Your savings deserve the best!