Are you looking for a safe investment with good returns for a medium term? PNB 666 Days FD from Punjab National Bank is a popular choice in 2026. This abundant-term scheme of 666 days-or around one year and 10 months-offers you assured returns without putting you through market risk. The unique characteristic of the PNB 666-day fixed deposit product: it does not allow for market risk, while also offering good money returns. But it is for those who desire better interest rates than are available on shorter-term FDs but do not want to lock their money up for three to five years.
Exact 666-day investments are permitted by PNB under the regular domestic term deposit listing. This scheme is secure, because it is backed by the Government of India and is further insured for the interest of up to ₹5 lakh per depositor by the Deposit Insurance and Credit Guarantee Corporation.
What is PNB 666 Days FD?
This is not necessarily a different scheme but it distinguishes a special tenure as a PNB Fixed Deposit plan. You can choose a period of exactly 666 days. It comes under the “391 days to 2 years” slab, making it a sweet spot for medium-term goals like buying a car, your marriage expenses, or setting up a contingency fund.
Anyone aged above 18 (including senior citizens) can open it at any PNB branch or through net banking. Min deposit: just Rs. 1,000. No maximum amount for the general public (with special rules on Rs. 3 crore and above).
Interest Rates as of 01 February 2026
Below ₹3 crore
- General Public: 6.30% p.a.
- Senior Citizens (60 to 80 years): 6.80% p.a.
- Super Senior Citizens (above 80 years): 7.10% p.a.
Interest is compounded quarterly. Modes of payout chosen monthly, quarterly, half-yearly, yearly, or cumulative (reinvested till maturity).
Real Example – How Much Will You Earn?
If 666 days are put in the bag at an interest rate of 6.30% (cumulative option), i.e., at 100,000 bucks:
Rs. 11,550 is approximately gain in interest that you will incur.
Maturity Amount-Rs 1,11,550
For the same, the senior citizens earns even more. They get an extra Rs. 12,500 on the same amount as interest.
Key Benefits of PNB 666 Days FD
- There are higher rates than regular savings account (only 2.50-3 %).
- Backed up by the government.
- Borrow with low-interest loans up to 90% of the value of FDs
- Premature withdrawals are allowed, with a slight levy if withdrawn before seven days
- Transfer available online
- Nominee can easily be chosen
It can perfectly cater to salaried professionals, retired professionals, and homemakers who require assured growth in their finances without worrying about daily market ups and downs.
Quick View of Key Facts on PNB Term Deposits Below ₹3 Crore
| Tenure | General Public | Senior Citizens | Super Senior Citizens | Best For |
|---|---|---|---|---|
| 390 Days (Special) | 6.40% | 6.90% | 7.20% | Short-medium term |
| 666 Days | 6.30% | 6.80% | 7.10% | Balanced 1.8-year plan |
| 1 Year | 6.10% | 6.60% | 6.90% | 1-year goals |
| 2 Years | 6.30% | 6.80% | 7.10% | Longer safety |
| 5 Years | 6.10% | 6.60% | 6.90% | Tax-saving + long term |
666-day returns are almost equal to the two or longer tenors, and the return will also be render partially liquid for funds.
Who Should Choose PNB 666 Days FD?
- Individuals requiring money after the term of 1 year and 10 months
- Senior citizens desiring an additional return of 0.50%–0.80%
- Who does not hate those poor earnings in the savings account?
- There are folks who wish for nil risk and hundred percent guarantee for payment.
TDS applies under Income Tax rules, and seniors are allowed higher exemption under Section 80TTB of up to ₹50,000.
Because of low volatility on the investment, the PNB 666 Days FD is ideal for people who want to save up safe money into 2026 although inflation is within control. Check the most recent rates at PNB website so that the investment knowing of changing in periodic manner.
How to Open PNB 666 Days FD
All that has to be done is to step into a branch of PNB or simply use the mobile app/NET banking facility afforded by PNB ONE. One only needs to carry their Aadhaar, PAN, and address proof in order to conclude the process with a total of 10–15 minutes. Transfer money within no time from the savings account in PNB.