Punjab National Bank (PNB) has changed its fixed deposit (FD) interest rates in 2025. This change is important for bank customers, especially for those who want to invest their money in a safe and profitable way. PNB FD Interest Rates are now different for different times and customer classes, including ordinary citizens, senior citizens and super senior citizens.
This article will give you complete information about the new FD interest rates of PNB, so that you can plan your investment better.
PNB Fixed Deposit Interest Rates 2025: Overview Table
| features | Description |
| Bank name | Punjab National Bank (PNB) |
| Interest rate (general citizen) | 3.50% to 7.25% per year |
| Interest rate (senior citizen) | 4.00% to 7.75% per year |
| Maximum interest rate | 7.25% (for 400 days) |
| Tax-service fd interest rate | 6.35% to 6.50% per year |
| Minimum deposit | ₹ 1,000 |
| Maximum deposits | 10 years |
| Premature withdrawal penalty | 1% |
PNB FD Interest Rates: For General Public and Senior Citizens
Punjab National Bank has fixed interest rates for different time periods. The table below gives details of interest rates for various timelines:
Interest rates for ordinary citizens and senior citizens
| Time period | General citizen (%) | Senior citizen (%) |
| 7-14 days | 3.50 | 4.00 |
| 15-29 days | 3.50 | 4.00 |
| 30-45 days | 3.50 | 4.00 |
| 46-90 days | 4.50 | 5.00 |
| 91-179 days | 5.50 | 6.00 |
| 180-270 days | 6.25 | 6.75 |
| 271-299 days | 6.50 | 7.00 |
| 300 days | 7.05 | 7.55 |
| 1 year | 6.80 | 7.30 |
| > 1 year – <2 years | 6.80 | 7.30 |
| > 2 years – <3 years | 7.00 | 7.50 |
| > 3 years – <5 years | 6.50 | 7.00 |
PNB Tax-Saving Fixed Deposit
PNB Tax-Saving FD is a great option for customers who want good returns along with saving tax.
Main characteristics of tax-sewing fd:
- Minimum lock-in period: 5 years
- Interest Rate: 6.50%for ordinary citizens, 7.00%for senior citizens
- Maximum investment limit: ₹ 1,50,000 per financial year
PNB FD Rates for NRI Customers
Indian (NRI) customers living abroad can also avail PNB’s FD schemes. NRI interest rates for customers are as follows:
Nre fixed deposit rates
| Time period | Interest rate (%) |
| 1 year | 6.80 |
| > 1 year – <2 years | 6.80 |
| > 2 years – <3 years | 7.00 |
FCNR (b) Fixed Deposit Rates
PNB also facilitates FD in foreign currency. For example:
- USD: 4.00% -4.50% per year
- EUR: 3.50% -4.00% per year
Additional benefits to Senior Citizens and Super Senior Citizens
Senior citizens are given higher interest rates than normal customers. In addition, super senior citizens (80+ age) get additional benefits.
Interest Rates for Super Senior Citizens:
- Maximum interest rate: 8.05% (for 400 days)
- Minimum period: 7 days
PNB FD Schemes: Key Benefits
PNB’s fixed deposit schemes provide the following benefits:
- Safe investment option
- Source of regular income
- Tax saving options available
- Premature withdrawal facility (penalty applied)
How to Open a PNB Fixed Deposit Account?
The method of opening FD account in PNB is very easy. You can open it online or by going to the bank branch.
How to open online account:
- Go to the official website of PNB.
- Choose the option “Fixed Deposit”.
- Upload the required documents.
- Choose deposit and time period.
- Complete the payment process.
Disclaimer:
This article is written only for the purpose of providing information. Before investing, please visit the official website of the bank and confirm the interest rates and other conditions.
