22 Sep 2025 : If you are looking for a safe and reliable investment, Punjab National Bank’s special Fixed Deposit (FD) scheme can be a golden opportunity for you. With just a deposit of ₹1,00,000, you can earn guaranteed fixed interest of up to ₹23,872 on maturity. This scheme not only keeps your capital safe but also assures fixed returns. Let’s understand the complete details of this scheme and how you can benefit from it.
PNB FD Interest Rates and Tenure
At Punjab National Bank, you can open an FD for as little as 7 days to as long as 10 years, depending on your needs. For these durations, PNB offers interest rates ranging from 3% to 7.40%, which is quite attractive for investors.
- Special 390-day FD scheme:
- General customers: 6.60%
- Senior citizens: 7.10%
- Super senior citizens: 7.40%
- 3-year FD scheme:
- General customers: 6.40%
- Senior citizens: 6.90%
- Super senior citizens: 7.20%
How much return will you get on ₹1 lakh FD?
- For general investors, a 3-year FD of ₹1 lakh will give you ₹1,20,983 on maturity, which includes ₹20,983 as interest.
- For senior citizens, the same FD will give you ₹1,22,781 on maturity, i.e., ₹22,781 as interest.
- For super senior citizens, the return is even better — you will receive ₹1,23,872 on maturity, which includes ₹23,872 as interest.
Why invest in FD?
PNB’s FD scheme is a safe investment option for those who want to save without any risk. Despite repo rate cuts, the returns offered under this scheme remain attractive, especially for senior citizens. The biggest advantage of FD is that it provides guaranteed returns, ensuring your capital remains secure.
Summary : Punjab National Bank’s revised FD rates offer up to ₹23,872 interest on a ₹1 lakh deposit, with tenures aligned to highest interest slabs post-June 2025 revisions.