PNB Fd Scheme 2025 offering high interest rate on FIxed deposit as the bank is the oldest and trusted institution. Punjab national bank offers various types of deposits that come with different benefits for FD investors.
Punjab national bank offering 7.4% rate of interest rate on tenures of only 390 days. It means that if you deposit ₹1 lakh for 390 days you will earn ₹7,400 as interest.
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How PNB FD works
Fixed deposit is a kind of investment where you put money at once and earn interest without any risk. Punjab National bank allows FDs with them and they give you Interest rate. Your earning will depend on the tenure which you choose.
You can open FD with PNB for tenure of 7 days to 10 years according to your choice. PNB will give you interest without risking your money. If you have need of money then you can withdraw prematurely also.
PNB FD Interest rate 2025
PNB has vast range of interest rate according to tenure. PNB offers 3.5% interest rate to 7.4%. Punjab national bank provide 0.30% extra to senoir citizen. The bank is offering high interest rate comapring to the other private banks.
| Period | Rates for Public | Rates for Super Senior Citizens |
|---|---|---|
| 7 to 14 Days | 3.00% | 3.80% |
| 15 to 29 Days | 3.00% | 3.80% |
| 30 to 45 Days | 3.00% | 3.80% |
| 46 to 60 Days | 4.50% | 5.30% |
| 61 to 90 Days | 4.50% | 5.30% |
| 91 to 179 Days | 4.90% | 5.70% |
| 180 to 270 Days | 5.60% | 6.40% |
| 271 Days to 302 Days | 5.60% | 6.40% |
| 303 Days | 5.50% | 6.30% |
| 304 Days to < 1 Year | 5.60% | 6.40% |
| 1 Year | 6.25% | 7.05% |
| > 1 Year to 389 Days | 6.40% | 7.20% |
| 390 Days | 6.60% | 7.40% |
PNB FD Return Calculation
If you’re a senior citizen investing ₹1,00,000 in a PNB 3-year Fixed Deposit at an annual interest rate of 7.40%, compounded quarterly, your money will grow nicely over time.
Here’s how the math works using the compound interest formula:
A = P (1 + r/n)ⁿᵗ
= 1,00,000 × (1 + 0.074/4)^(4×3)
≈ ₹1,24,066
That means after 3 years, your ₹1 lakh becomes ₹1,24,066, earning you about ₹24,066 in interest.
Senior Citizen Benfits
If you are Senior Citizen then PNB is providing rate of interest upto 7.4%. At this Interest rate if You invest ₹1 lakh then you can earn ₹24,066 as extra income in 3 years tenure without risking your capital.
Premature withdrwal FD
In case of emergency you can withdraw your Fixed deposit any time, PNB allows you to withdraw FD whenever you like. But it will charge 1% of your FD amount as penalty for all tenures. So FD investors should choose tenure wisely to avoid penalty on Fixed deposit.
Why Choose Punjab National Bank FD
Doing FD with PNB has own benefits as it offer multiple advantages:-
- PNB offer guarnteed return and secure investment.
- Higher interest rate for senior citizen and super citizen
- PNB FD has flexible tenures like short term of 7 dyas to long term of 10year
- Loan can be taken against of PNB FD.
- Easy Online and offline FD investment option.
Conclusion
PNB has a large network of branches and you will find it easily in your neighbourhood. It is the PSU and oldest bank, so you can trust this bank and freely park your money to earn some extra income. However you must visit nearest branch or visit PNB official webiste to know more information as rate of interest is subject to change.
Disclaimer: The PNB FD interest rates and details mentioned in this article are based on the latest available information as of October 2025. Rates are subject to change at the bank’s discretion. Readers are advised to verify the current rates and terms from the official Punjab National Bank website before investing.
Also read
Canara Bank Diwali FD 2025 : Earn 7.10% Interest rate on FD this Diwali
Canara Bank 310 Day FD Scheme: Earn Upto 6.35% Interest Rate
LIC FD Scheme 2025 : Earn Up to 6.90% interest rates on LIC Fixed Deposits.
