Choosing good banks like Punjab National Bank’s (PNB) fixed deposits is the first step to making your finances secure in 2025. The PNB deposit rates are very attractive, going up to 7.40% p.a and providing a hedge against inflation. The fixed deposit rates offered by PNB in 2025 are suited for those who do not want to take risks since they will get returns on domestic term deposits less than ₹3 crore guaranteed. Come and find out which are the best PNB offerings in terms of your goals, whether for education or retirement.
Why Choose PNB Fixed Deposits in 2025?
As one of the major public sector banks, PNB supports deposits with DICGC insurance up to ₹5 lakh. Having the new rates from September 1, 2025, they will be beneficial to customers in need of short-term parking for their funds as well as those that want long-term growth at a reasonable rate. Besides the general category of senior citizens, the super senior citizens have also been treated with higher rates which makes it a favorite choice for obtaining the maximum benefit from savings.
Key Benefits of PNB FD Scheme
- Competitive Return Rates: Up to 7.40% for seniors on selected maturities
- Tenure Options: 7 days to 10 years; flexible according to different purposes
- Premature Withdrawal: permitted with a small penalty for cash requirements
- Tax Saver Option: Refund of up to ₹1.5 lakh under Section 80C
- Digital Access: Open an account through the PNB ONE app or at the branch without any hassles
- Loan Against FD: Up to 90% at borrower-friendly rates.
Thus, the advantages of PNB FD rates 2025 come across as a safe, easy-going investment.
Latest PNB FD Rates 2025
Rates apply to domestic deposits below ₹3 crore. Seniors (60-80 years) get +0.50%, super seniors (80+ years) up to +0.80% extra.
| Tenure | General (% p.a.) | Senior (% p.a.) | Super Senior (% p.a.) |
|---|---|---|---|
| 1 Year | 6.25 | 6.75 | 7.05 |
| 2 Years | 6.40 | 6.90 | 7.20 |
| 5 Years | 6.25 | 6.75 | 7.05 |
| 10 Years | 6.00 | 6.80 | 6.80 |
Steps to Invest in PNB Fixed Deposit
Get your PNB fixed deposit done easily in just five simple steps:
- Get the PNB ONE app or go to a bank branch.
- Use Aadhaar/PAN for KYC verification.
- Choose the term and the interest rate category.
- Transfer at least ₹1,000 as the deposit amount.
- Get the receipt of e-FD sent to you electronically.
For retail investors, there is no cap on the investment amount.
Frequently Asked Questions (FAQs)
Q1: What is the minimum amount for PNB FD?
A: For most of the schemes, it is ₹1,000; for tax savers, it is ₹100.
Q2: Could I take my PNB FD out before it gets matured?
A: Yes, but with an interest penalty of 0.50% – 1% depending on how long it has been held.
Q3: Is TDS deducted on PNB FD interest?
A: Yes, for an annual amount exceeding ₹40,000 (₹50,000 for elderly). To avoid it, submit Form 15G/H.
Q4: What position will PNB FD rates 2025 have in the market?
A: PNB’s 6.40% for 2 years will be in the first place because it is 0.10% higher than SBI’s 6.30%. Thus, the investors will have the same level of safety and, at the same time, receive a better return.