If I told you a fixed deposit with a strange-sounding tenure could quietly beat many regular FDs in 2026, would you believe it? That’s exactly what’s happening with the PNB 666-Days FD Scheme 2026. At first glance, 666 days feels random. But here’s the thing—it’s carefully designed to give you higher returns without locking your money away for years.
Think about how most people save. One-year FDs feel safe but often pay less. Two-year FDs pay a bit more, but the longer lock-in makes people hesitate. Punjab National Bank found a sweet spot in between, and that’s where this scheme shines.
What Makes the PNB 666-Days FD Different?
The biggest draw is the interest rate. PNB offers a premium rate for this exact tenure, which is higher than many standard short-term options. You’re committing for roughly 1 year and 10 months, long enough for better growth but short enough to stay flexible.
I often see families use this kind of FD for clear, near-term goals. A planned vacation. School or college fees. Or simply parking surplus cash safely while earning more than a regular savings account ever could.
PNB 666-Days FD Interest Rates in 2026
PNB revised its deposit rates toward the end of 2025, and this special FD continues to be attractive in 2026. Here’s a simple snapshot.
| Investor Category | Interest Rate (per annum) |
|---|---|
| General Public | 7.05% |
| Senior Citizens | 7.55% |
Senior citizens get an extra 0.50 percent, which can make a noticeable difference over 666 days, especially for retirees depending on predictable income.
Key Features You Should Know
The PNB 666-Days FD Scheme 2026 keeps things simple and flexible.
You can start with as little as ₹1,000, and there’s no maximum limit for retail investors. Interest can be taken as cumulative growth or as a regular payout, depending on what you need. Premature withdrawal is allowed, though a small penalty applies.
Another big plus is liquidity. You can take a loan against your FD, usually up to 90 percent of its value. That means your money isn’t completely stuck if an emergency pops up.
Safety isn’t a concern either. Deposits are covered under DICGC insurance up to ₹5 lakh per depositor, and you can open the FD online or at a branch with nomination and joint holding options.
Who Should Consider This FD in 2026?
This scheme suits anyone who wants certainty. If market ups and downs make you nervous, this FD gives peace of mind. Senior citizens benefit the most from the higher rate, while working professionals can use it as a disciplined savings tool for short-term goals.
Just remember, rates can change. Always check the latest details with Punjab National Bank before investing.