Fixed deposit investors are closely monitoring their options after the Reserve Bank of India (RBI) decided to keep the repo rate unchanged at 5.5% during its latest Monetary Policy Committee (MPC) meeting on June 5, 2026. With the central bank maintaining its stable stance, several commercial and small finance banks have quickly revised their fixed deposit (FD) interest rates to attract retail capital.

For savers looking to lock in high returns, select tenures now yield up to 8.05% for senior citizens. Punjab National Bank (PNB), Ujjivan Small Finance Bank, Union Bank of India, and DCB Bank are among the key lenders driving these fresh June updates.

At a Glance: Peak FD Rates and Tenures

If you want to secure the maximum possible yield on domestic retail deposits (under ₹3 crore), focus your investments on these specific maturities:

In-Depth Bank Review & Rate Cards

1. Ujjivan Small Finance Bank

Effective June 5, 2026, Ujjivan Small Finance Bank offers competitive yields reaching up to 7.55% for regular depositors and crossing the 8% threshold for senior citizens.

• Maximum Yield Bracket: General citizens earn 7.55% and senior citizens earn 8.05% on maturities spanning 3 Years 1 Day to 3 Years 6 Months.

• Short-to-Medium Horizon: Investors looking for a shorter commitment can lock in 7.25% for tenures between 1 year and less than 2 years.

2. DCB Bank

DCB Bank’s revised interest rates went into effect on June 1, 2026. The lender features a unique “Senior Citizens Plus” bracket for individuals aged 70 and above, matching the market’s peak return of 8.05%.

• The Triple Milestone Sweet Spots: Peak rates apply to three distinct buckets: 24 to less than 25 months, 34 to less than 35 months, and 60 to 61 months.

3. Union Bank of India

Public sector lender Union Bank of India altered its interest schedule effective June 1, 2026.

• Maturity Sweet Spot: Rather than offering broad tenure ranges, Union Bank peaks at a high-yield configuration exactly at the 555 Days mark, giving standard depositors a solid 6.65% and senior citizens 7.15%.

4. Punjab National Bank (PNB)

Punjab National Bank rolled out its updated domestic retail deposit rates on June 1, 2026. PNB splits its age-based incentives into three categories: standard public, senior citizens (ages 60 to 79), and super senior citizens (ages 80 and up).

• Special Tenure: The highest return across all three categories lands squarely on the 444-day fixed deposit. Super senior citizens can hit a maximum yield of 7.40% here.

Key Summary for Investors: While major public sector banks like PNB and Union Bank offer stability and strong mid-term options hovering between 6.60% and 7.15%, small finance private structures (like Ujjivan and DCB) are actively using this post-MPC window to offer premium milestones at 8.00% and 8.05%. Savers should map out their near-term liquidity requirements against these specific milestone days to secure optimal compound interest growth.

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The post FD Interest Rates Up to 8.05%: 4 Banks Revise Rates in June 2026 first appeared on Rightsofemployees.com.

Punjab National Bank News FD Rates: There is good news for people investing in FD. Government bank Punjab National Bank has added two new plans in the FD rates and has also changed the old rates. The new rates and new plans have become effective from January 1, 2025. Let us tell you, this new rate is for FD of less than Rs 3 crore.

PNB FD Rates: What are those 2 new plans?

Punjab National Bank has launched a new 303-day FD plan. The bank will give 7 percent interest on 303-day FD. At the same time, the bank will give 6.7 percent interest on 506-day FD.

The bank is giving 7.25% interest to ordinary citizens on 400 days FD

PNB FD: Punjab National Bank is currently offering 3.5 percent to 7.25 percent interest on FDs for general citizens. The bank is offering investors the option of FDs ranging from 7 days to 10 years. The bank is offering the highest interest on FDs of 400 days. PNB customers will get 7.25 percent interest for this period.

How much benefit do senior citizens get?

Senior citizens are getting a minimum of 4 percent interest from the bank. At the same time, the maximum interest on FD is 7.75 percent. The senior citizen will get the highest interest from the bank on FD of 400 days. Let us tell you, senior citizens also have the option of getting FD from 7 days to 10 years.

Super senior citizens are getting more than 8% interest

Punjab National Bank has created a new category named Super Senior Citizen. The bank is offering up to 8.05 percent interest on FDs of 400 days to super senior citizens. Senior citizens will get at least 4.3 percent interest on FDs of less than Rs 3 crore. At the same time, the maximum interest being given is 8.05 percent.

FD is still popular today

FD: FD is an investment where returns are guaranteed. This is the reason why it remains quite popular even in today’s time when there are many investment options available.

The post PNB FD Rates: Punjab National Bank has changed the FD rates from 1st January, check new rate first appeared on Rightsofemployees.com.

Bank increased FD rates by 5 to 20 basis points

The bank has increased the interest rate twice within only 1 week. On August 19, the bank said that the interest rates of fixed deposits have been increased by a total of 5 to 15 basis points. Along with this, the bank has announced a special fixed deposit of 405 days.

In this FD, a special offer is being given to senior citizens (Senior Citizen Rates). You will get 6.60% rate of interest on FD (PNB Fixed Deposit Rates).

On the other hand, normal people will get 6.10% rate of interest on FD of 405 days. Giving information about the fixed deposit of this particular period, the bank has given information by tweeting from its official Twitter handle.

Check here the latest rate of interest of the bank

If you are planning to do FD in PNB (PNB FD Rates), then we tell you about its latest interest rate. The bank is offering 3% interest on fixed deposits for 7 to 14 days on deposits of less than Rs 2 crore.

Bank 3% on fixed deposits of 15 to 29 days, 3% on FDs of 30 to 45 days, 3.25% on fixed deposits of 46 to 90 days, 4.00% on FDs of 91 to 179 days , 4.50% on fixed deposits of 180 to 270 days, 4.50% on FDs from 271 days to 1 year, 5.50% on fixed deposits of 1 year, 5.50% on fixed deposits from 1 to 404 days Offering interest rate.

At the same time, the bank is offering 6.10% interest rate on fixed deposit of 405 days. At the same time, 5.50% on fixed deposits of 406 days to fixed deposits up to 2 years, 5.60% on FDs from 2 to 3 years, 5.75% on FDs from 3 to 5 years, 5 to 10 Offering 5.65% interest rate on fixed deposits up to one year and 5.75% interest rates on FDs of 1111 days.

Senior Citizen gets extra benefits

PNB is offering 0.50% higher interest rate to senior citizens as compared to normal citizens. This rate is applicable on fixed deposits of every tenor. Along with this, the bank offers 1% higher interest rate to its employees and retired employees.

Along with this, Bank PNB has offered an interest rate of 4.05% to 6.15% on FDs ranging from 91 days to 1111 days on Uttam FDs (PNB Uttam FD Rates) on fixed deposits of less than Rs 2 crore. doing.

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Fixed Deposit (PNB FD Rates) investments where returns are guaranteed. This is the reason why banks are providing other facilities to the customers along with better returns. There is good news for the customers of Punjab National Bank.

The bank is offering overdraft facility to its customers on FD. For this, customers will not even need to go to the bank. Through PNB One App, customers of the bank can avail the facility of overdraft on one click and single OTP FD. According to the information given by the bank, if a customer applies for a loan through PNB One, then he will get a discount of 0.25 percent on the interest rate.

PNB launched pre-qualified credit

Punjab National Bank has launched Pre Qualified Credit Card. Insurance coverage is also being given by the bank on this credit card. This facility is being given by the bank to the salary account holders. Any customer can apply through PNB One, website or internet banking service.

Latest FD Rates of PNB

After the change in the interest rates by Punjab National Bank, now the bank will give an interest of 6.10 percent to the common citizens for making FD on maturity of less than 2 crores. On the other hand, the bank will give an interest of 6.60% to senior citizens on making FDs for the same tenure.

Whereas after today’s change, the bank will pay an interest of 5.75% for general citizens and 6.25% for senior citizens on tax saving deposits for 5 years. On the other hand, the bank will now offer an interest of 3% to 5.75 per cent for general citizens and 3.50% to 6.25% for senior citizens for making FDs on maturity from 7 days to 1111 days.

Whereas the bank will now pay an additional interest of 50 basis points on all applicable card rates to senior citizens making FDs of less than Rs 2 crore on all domestic deposits.

The post PNB Launch New Service: Good News ! PNB customers are getting this special facility on FD, check details first appeared on Rightsofemployees.com.