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
| Feature | Details |
|---|---|
| Highest Interest Rate | 7.25% p.a. for a tenure of 400 days |
| Minimum Deposit | ₹100 |
| Maximum Deposit | No upper limit |
| Senior Citizen Benefit | Additional 0.50% interest (0.80% for super senior citizens) |
| Premature Withdrawal | Available with applicable penalties |
| Loan Against FD | Up to 90% of the FD amount |
| Official Website | PNB 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.
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PNB Fixed Deposit Scheme Interest Rates 2025
PNB provides different interest rates based on the tenure of the deposit. Here’s a breakdown:
| Tenure | Interest Rate (p.a.) |
| 7 to 14 days | 3.50% |
| 15 to 29 days | 3.50% |
| 30 to 45 days | 3.50% |
| 46 to 60 days | 4.50% |
| 61 to 90 days | 4.50% |
| 91 to 179 days | 5.50% |
| 180 to 270 days | 6.25% |
| 271 days to 299 days | 6.50% |
| 300 days | 7.05% |
| 301 days to 399 days | 6.80% |
| 400 days | 7.25% |
| 401 days to 2 years | 6.80% |
| Above 2 years to 3 years | 7.00% |
| Above 3 years to 5 years | 6.50% |
| Above 5 years to 10 years | 6.50% |
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.
