PNB Fixed Deposit Scheme: Get High Returns by Depositing ₹2 Lakh in FD

PNB Fixed Deposit offers high returns of up to 7.25% p.a. on select tenures. A ₹2 lakh FD for 400 days can fetch ₹2,15,890 on maturity. Senior citizens enjoy additional benefits. Open a secure and flexible FD account online or visit your nearest PNB branch. Learn more about interest rates, benefits, and FD calculators in this detailed guide. Visit PNB Official Website for updates.

By Pankaj Singh
Published on
PNB Fixed Deposit Scheme: Get High Returns by Depositing ₹2 Lakh in FD
PNB Fixed Deposit Scheme: Get High Returns by Depositing ₹2 Lakh in FD

Fixed Deposits (FDs) are one of the most reliable and secure investment options, especially for individuals looking for stable returns. Punjab National Bank (PNB) offers competitive interest rates on its Fixed Deposit schemes, making it an attractive option for investors.

As of January 1, 2025, PNB provides interest rates of up to 7.25% per annum for select tenures, making it an excellent choice for those looking to grow their savings safely.

PNB Fixed Deposit Scheme

FeatureDetails
Highest Interest Rate7.25% p.a. for a tenure of 400 days
Minimum Deposit₹100
Maximum DepositNo upper limit
Senior Citizen BenefitAdditional 0.50% interest (0.80% for super senior citizens)
Premature WithdrawalAvailable with applicable penalties
Loan Against FDUp to 90% of the FD amount
Official WebsitePNB Official Website

PNB Fixed Deposits provide a safe and high-return investment option with flexible tenure, competitive interest rates, and additional benefits for senior citizens. If you’re looking for a secure way to grow your savings, investing ₹2 lakh in a PNB FD for 400 days at 7.25% is a smart choice.

For more details, visit the PNB Official Website or visit your nearest PNB branch.

Also Check: Sukanya Samriddhi Yojana: हर महीने ₹3,000 रूपये जमा करने पर बेटी को मैच्योरिटी पर ₹16,62,619 रूपए मिलेंगे

PNB Fixed Deposit Scheme Interest Rates 2025

PNB provides different interest rates based on the tenure of the deposit. Here’s a breakdown:

TenureInterest Rate (p.a.)
7 to 14 days3.50%
15 to 29 days3.50%
30 to 45 days3.50%
46 to 60 days4.50%
61 to 90 days4.50%
91 to 179 days5.50%
180 to 270 days6.25%
271 days to 299 days6.50%
300 days7.05%
301 days to 399 days6.80%
400 days7.25%
401 days to 2 years6.80%
Above 2 years to 3 years7.00%
Above 3 years to 5 years6.50%
Above 5 years to 10 years6.50%

PNB Fixed Deposit Scheme Example Calculation: How Much Will You Earn on ₹2 Lakh FD?

If you invest ₹2,00,000 in a PNB Fixed Deposit for 400 days at an interest rate of 7.25% p.a., your maturity amount will be:

Formula:

Calculation:

Maturity Amount = ₹2,00,000 + ₹15,890 = ₹2,15,890

Also Check: PNB RD Plan: ₹2,500 रुपये हर महीने जमा करने पर मिलेंगे ₹4,22,476 रूपये

Why Choose PNB Fixed Deposit Scheme?

1. Guaranteed Returns

Unlike market-linked investments, FDs offer a fixed return, ensuring capital safety and predictable growth.

2. Flexible Tenure Options

You can choose from 7 days to 10 years, based on your financial goals.

3. Special Benefits for Senior Citizens

Senior citizens get an extra 0.50% interest, while super senior citizens (above 80 years) receive 0.80% additional interest.

4. Loan Facility Against FD

You can avail a loan of up to 90% of the deposit amount, making it a great liquidity option.

5. Tax-Saving FD Option

PNB offers 5-year Tax Saver FDs, which are eligible for tax deductions under Section 80C.

Also Check: Part Time Money Making: हर दिन 2 से 3 घंटे काम करके कमाई ₹20000 से भी ज्यादा

PNB Fixed Deposit Scheme (FAQs)

Is there a penalty for premature withdrawal of PNB Fixed Deposits?

Yes, premature withdrawal is allowed, but a penalty of 0.50% to 1% may apply depending on the tenure.

Can I open a Fixed Deposit account online?

Yes, you can open an FD through PNB Net Banking or Mobile Banking App.

Is TDS applicable on Fixed Deposits?

Yes, Tax Deducted at Source (TDS) applies if interest earnings exceed ₹40,000 per year (₹50,000 for senior citizens).

What happens if I do not withdraw the FD after maturity?

If not withdrawn, the FD may get auto-renewed at the prevailing interest rate.

Can I have a joint Fixed Deposit account?

Yes, PNB allows joint Fixed Deposit accounts with multiple account holders.

Author
Pankaj Singh

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