Oriental Bank of Commerce (OBC) FD Calculator
Calculate your fixed deposit returns with PNB post-merger rates, compare investment options, and maximize your earnings
Latest OBC & PNB FD Rates (Post-Merger)
| Tenure | Regular Rates | Senior Citizen Rates |
|---|---|---|
| 7-45 days | 3.50% | 4.00% |
| 46-179 days | 4.50% | 5.00% |
| 180 days to < 1 year | 5.50% | 6.00% |
| 1 year | 6.50% | 7.50% |
| 2 years | 6.75% | 7.75% |
| 3 years | 7.00% | 8.00% |
| 5 years | 7.25% | 8.25% |
| 5-10 years | 6.50% | 7.50% |
Maturity Amount
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Interest Earned
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FD Calculation Results
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Maturity Amount
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Interest Earned
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Effective Yield
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Post-Tax Return
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Detailed Breakdown
Tax Impact
TDS Deducted
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Net Interest After Tax
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Inflation Adjusted
Real Maturity Value
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Real Returns
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Premature Withdrawal
Penalty (1% less)
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Amount After Penalty
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Year-wise Interest Growth
FD vs RD vs Savings Account
| Investment Type | Maturity Amount | Interest Earned | Effective Yield |
|---|---|---|---|
| Fixed Deposit (FD) | - | - | - |
| Recurring Deposit (RD) | - | - | - |
| Savings Account (4%) | - | - | - |
Smart Suggestions
Best Tenure for Highest Return
Based on current rates, the 5-year FD offers the highest interest rate of 7.25% for regular customers and 8.25% for senior citizens.
FD Ladder Strategy
Consider splitting your investment into multiple FDs with different tenures (1, 3, 5 years) to maintain liquidity while maximizing returns.
Open Your FD Online
Get started with your fixed deposit investment through PNB's secure online platform
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