Think about it: putting your money in a safe place that will gradually increase while you are dreaming about bigger things in life. Amidst a volatile market, the Fixed Deposit (FD) schemes of Punjab National Bank (PNB) present themselves as a shining light of stability and solid returns, providing interest that is guaranteed and that peace of mind for investors of every age.
Why Choose PNB FD In 2025?
Punjab National Bank (PNB), which is among the top three public sector banks in India, has not just kept on the list but continues to make available FD options for affluent but secure wealth creation. In December of 2025, PNB FDs offer different tenures of 7 days to 10 years with the least amount for deposits being just Rs. 100. These plans offer DICGC insurance coverage of Rs. 5 lakh per depositor and this is a choice with very low risk during times of economic uncertainty.
Latest Interest Rates Overview
To remain in step with the market, PNB changes its rates on a regular basis. Usually, the best returns are generated from special tenures which are created purely for maximization of yields.
| Tenure | General Public (% p.a.) | Senior Citizens (% p.a.) |
|---|---|---|
| 7-45 days | 3.50 | 4.00 |
| 46-179 days | 4.50-5.50 | 5.00-6.00 |
| 180-270 days | 6.00 | 6.50 |
| 271 days – 1 year | 6.25-6.50 | 6.75-7.00 |
| 390 days (special) | 6.50 | 7.00 |
| 1-2 years | 6.40-6.60 | 6.90-7.10 |
| 2-5 years | 6.00-6.25 | 6.50-6.75 |
| 5-10 years | 6.00 | 6.50 |
Special Schemes For Enhanced Benefits
The standard FDs and PNB’s proposals targeted at specific sections of the market comprise the list of customer-friendly products offered by PNB. The PNB Pranam plan is for senior citizens who are over 55 years, and it comprises above courtesy rates and simple liquidity.
Tax-saving FDs give rise to Section 80C deductions and come with a 5-year lock-in period and about 6.25% rates for the general public and 6.75% for the elderly.
Key Features And Perks
- PNB FDs are not only secure but also practical. A nomination facility guarantees easy succession. Auto-renewal is a seamless money working service.
- Loan against FD permits up to 90% of the FD value borrowing at low margins – handy for emergencies, and no need to break the FD.
- Premature withdrawal is allowed with a little penalty (usually 1%), but in many instances, seniors might not pay any fee.
Secure Your Future Today
With inflation lashed out and stock market instabilities being braved PNB’s FD Schemes in 2025 is undeniably a choice that is hard to refuse offering a perfect blend of security, adaptability, and profits. Whether you are a small saver or retired person longing for regular income, these deposits will definitely be the right choice for you to grow financially. Time to visit your nearest PNB branch or log into your account to
