The Punjab National Bank (PNB) has announced its latest Fixed Deposit (FD) interest rates for 2025, offering guaranteed returns and competitive rates across multiple tenure options. As one of India’s largest public sector banks, PNB continues to be a preferred choice for conservative investors seeking stable income and secure growth. With the recent rate revision, both senior citizens and regular depositors can now earn higher interest on their savings. Here’s everything you need to know about PNB FD rates, tenure options, interest slabs, and return calculations for 2025.
PNB FD Interest Rates 2025 Overview
PNB’s latest FD rates are applicable from January 2025 and cover deposits below ₹2 crore. The bank has revised rates across short-term, medium-term, and long-term deposits to help customers earn higher guaranteed returns.
| Tenure | Interest Rate (General) | Interest Rate (Senior Citizens) |
|---|---|---|
| 7 – 45 days | 3.50% | 4.00% |
| 46 – 179 days | 4.50% | 5.00% |
| 180 – 270 days | 5.50% | 6.00% |
| 271 days – < 1 year | 6.00% | 6.50% |
| 1 year | 6.75% | 7.25% |
| 1 year – < 2 years | 6.80% | 7.30% |
| 2 years – < 3 years | 7.00% | 7.50% |
| 3 years – < 5 years | 6.75% | 7.25% |
| 5 years and above | 6.50% | 7.00% |
These rates apply to both regular fixed deposits and reinvestment FDs, ensuring steady income or compounded returns based on customer preference.
Highlights of PNB FD 2025
- Guaranteed Returns: Fully backed by government regulations and the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh.
- Attractive Rates: Up to 7.5% for senior citizens and 7.0% for regular investors on long-term FDs.
- Flexible Tenures: Starting from 7 days to 10 years, suitable for both short-term savers and long-term planners.
- Compounding Options: Choose between monthly, quarterly, or annual interest payouts.
- Auto-Renewal Feature: PNB allows automatic renewal upon maturity, ensuring continued earning without reinvestment delays.
- Loan Against FD: Borrow up to 90% of your FD amount at competitive interest rates without breaking your deposit.
PNB FD Special Schemes 2025
PNB Uttam Fixed Deposit Scheme
- No premature withdrawal allowed — ideal for long-term investors.
- Higher interest rate compared to standard FD.
- Lock-in period: Minimum 1 year.
- Suitable for investors looking for better-than-regular rates with guaranteed safety.
PNB Tax Saver FD Scheme (5-Year Lock-in)
- Eligible for income tax deduction under Section 80C of the Income Tax Act.
- Minimum deposit: ₹100, maximum ₹1.5 lakh per financial year.
- Premature withdrawal and loans are not permitted.
- Attractive interest rates up to 7.0% for senior citizens.
PNB Senior Citizen FD Advantage
- Additional 0.50% higher interest rate on all tenures.
- Monthly or quarterly payout options for pensioners.
- Ideal for retirees seeking regular income and guaranteed safety.
Example: How Much You’ll Earn from PNB FD in 2025
Let’s see how much return you can earn from a ₹5,00,000 FD investment in 2025:
| Tenure | Interest Rate | Total Maturity Value (₹) | Total Interest Earned (₹) |
|---|---|---|---|
| 1 Year | 6.80% | ₹5,34,000 | ₹34,000 |
| 2 Years | 7.00% | ₹5,74,000 | ₹74,000 |
| 3 Years | 7.25% | ₹6,18,000 | ₹1,18,000 |
| 5 Years | 6.75% | ₹6,96,000 | ₹1,96,000 |
(Figures are indicative and may vary slightly based on compounding frequency.)
As shown, even with a moderate investment, PNB FDs offer steady growth with zero risk, making them one of the best fixed-income options in 2025.
Why Invest in PNB FD 2025?
- Backed by a trusted nationalized bank with strong financial credibility.
- Better rates than savings or recurring deposits.
- Assured returns irrespective of market fluctuations.
- Ideal for conservative investors, retirees, and individuals planning for short-term goals or safe retirement income.
- No market risk, unlike mutual funds or equities.
Documents Required for Opening PNB FD
- PAN Card
- Aadhaar Card / Passport / Voter ID (Address Proof)
- Recent Photograph
- PNB Account Details or initial deposit slip
You can open an FD through PNB NetBanking, the PNB One App, or by visiting any nearby branch.
Smart Tips to Maximise FD Returns in 2025
- Opt for longer tenures (2–5 years) to earn higher compound interest.
- Choose reinvestment option instead of monthly payout for faster growth.
- Senior citizens should invest in PNB Senior Citizen FD for extra 0.50% returns.
- Diversify deposits across multiple maturities for better liquidity and tax efficiency.
Conclusion
The PNB FD Rates 2025 offer a perfect blend of safety, reliability, and attractive returns, especially amid market uncertainties. With rates going up to 7.5%, flexible tenures, and tax-saving benefits, Punjab National Bank’s fixed deposit schemes remain one of the most rewarding and secure investment options in India today.
Whether you’re planning for a steady monthly income, a safe retirement plan, or short-term savings, PNB’s FD schemes in 2025 guarantee both peace of mind and assured financial growth.
