If you’re exploring safe and stable investment options in 2025, PNB – Punjab National Bank Fixed Deposit (FD) Interest Rates are worth a serious look. Backed by one of India’s most trusted public sector banks, PNB offers competitive FD rates for both regular and senior citizens, with flexible tenures and reliable returns.
With the Reserve Bank of India (RBI) maintaining a steady repo rate and inflation showing signs of easing, FDs have re-emerged as a go-to investment for risk-averse savers, retirees, and even young professionals looking to park surplus funds.
Punjab National Bank Fixed Deposit 2025
| Feature | Details |
|---|---|
| Bank Name | Punjab National Bank (PNB) |
| FD Type | Regular and Senior Citizen Fixed Deposits |
| Interest Rates | Ranging from 3.50% to 7.25% for regular deposits |
| Senior Citizen Rates | Additional 0.50% to 0.80% based on age bracket |
| Minimum Deposit | ₹100 |
| Maximum Tenure | 10 years |
| Special Tenures | 300, 303, 400, 1204, 1895 days |
Whether you are a new saver or a seasoned investor, PNB Fixed Deposit (FD) Interest Rates 2025 offer an attractive, risk-free way to grow your money. With competitive rates, especially for senior and super senior citizens, and flexible terms ranging from 7 days to 10 years, PNB remains a top choice for fixed income investments.
Understanding PNB Fixed Deposit Schemes
What is a Fixed Deposit?
A Fixed Deposit (FD) is a financial instrument offered by banks where you invest a lump sum amount for a fixed period at a predetermined interest rate. Once the FD matures, you receive your principal amount plus the interest earned.
Unlike market-linked instruments like mutual funds or stocks, FDs offer guaranteed returns. They are ideal for conservative investors looking for capital safety and moderate earnings.
Types of FDs Offered by PNB
PNB offers FDs under the following categories:
- Regular FD (for general public)
- Senior Citizen FD (60 years and above)
- Super Senior Citizen FD (80 years and above)
- Tax Saver FD (with 5-year lock-in)
- PNB Palash FD (special rates on select tenures)
see also: Invest ₹10 Lakh and Get a Profit of ₹1,40,000 in 4 Years 7 Months
PNB FD Interest Rates for Deposits Below ₹3 Crore
Below are the current FD rates effective April 2025:
Regular Depositors
| Tenure | Interest Rate (%) |
|---|---|
| 7 to 45 days | 3.50% |
| 46 to 90 days | 4.50% |
| 91 to 179 days | 5.50% |
| 180 to 270 days | 6.25% |
| 271 to 299 days | 6.50% |
| 300 days (Special) | 7.05% |
| 303 days (Special) | 7.00% |
| 1 year | 6.80% |
| 400 days (Special) | 7.25% |
| >2 years to 3 years | 7.00% |
| >5 years to 10 years | 6.50% |
Senior & Super Senior Citizens
- Senior Citizens: +0.50% extra
- Super Senior Citizens (80+): +0.80% extra
For example, on a 400-day FD:
- Regular: 7.25%
- Senior Citizen: 7.75%
- Super Senior Citizen: 8.05%
High-Value Deposits: ₹3 Crore to ₹10 Crore
For large deposits, rates vary slightly but are still competitive:
| Tenure | Interest Rate (%) |
|---|---|
| 7 to 45 days | 6.00% |
| 91 to 179 days | 6.50% |
| 303 days (Special) | 7.00% |
| 1 year | 7.25% |
| 400 days (Special) | 6.80% |
| >2 years to 3 yrs | 6.50% |
| 5-10 years | 5.60% |
How to Open a PNB FD in 2025
Step-by-Step Guide
Step 1: Visit your nearest PNB branch or go to PNB NetBanking.
Step 2: Choose your preferred tenure and deposit amount. Minimum starts at ₹100.
Step 3: Decide payout frequency:
FD पर टैक्स का नया नियम: 2025 में ₹50,000 से ज्यादा ब्याज कमाया तो आएगा इनकम टैक्स नोटिस
- Cumulative (interest paid at maturity)
- Quarterly
- Monthly
Step 4: Submit KYC documents:
- PAN card
- Aadhaar card
- Passport-size photo
Step 5: Receive FD receipt and start earning returns!
Premature Withdrawal & Penalty Rules
- Allowed after 7 days from deposit date
- 1% penalty on applicable interest rate
- No interest if withdrawn before 7 days
- No premature withdrawal for Tax Saver FDs
Is PNB FD Right for You?
Ideal For:
- Retirees looking for steady monthly income
- Salaried professionals building short-term savings
- Parents planning for children’s education
- Businesses parking idle funds securely
Pros:
- Assured returns
- Flexible tenures
- Higher rates for seniors
- Safe and RBI-regulated
Cons:
- Interest is taxable
- Penalty on premature exit
Taxation on FD Interest
- Interest is fully taxable under your income slab
- TDS of 10% if interest > ₹40,000/year (or ₹50,000 for seniors)
- Submit Form 15G/15H to avoid TDS if eligible
Tips to Maximize Returns
- Ladder your FDs: Split amount into multiple FDs with varying tenures
- Invest in special tenures like 300 or 400 days for higher rates
- Senior citizens should use joint accounts with spouse for tax planning
see also: These Are the Best Banks for Investment in 2025
PNB FD Interest Rates 2025 FAQs
1. What is the highest FD rate in PNB for 2025?
7.25% for 400-day tenure for regular customers, and up to 8.05% for super seniors.
2. Can I open a PNB FD online?
Yes. Visit PNB Net Banking or use the PNB One mobile app.
3. Is the interest paid monthly?
You can choose monthly, quarterly, or cumulative payouts.
4. Are there any tax benefits?
Only 5-year Tax Saver FDs offer Section 80C deduction up to ₹1.5 lakh.
5. Can NRIs invest in PNB FDs?
Yes, through NRE/NRO accounts with different interest rules.
