PNB Bank Fixed Deposit 2025 – Interest Rates, Calculator Guide & Who Can Invest

In this blog, we'll explore the latest FD interest rates, how to use the PNB FD Calculator, who can invest, and the major benefits of opening a Fixed Deposit.

What is a Fixed Deposit (FD)?

A Fixed Deposit (FD) is a savings option where you deposit a lump sum amount with a bank for a specific time at a fixed interest rate. During this period, the money earns interest, and you get the full amount plus interest at maturity. It’s one of the safest ways to grow your money because the returns are guaranteed and not affected by market risks. The longer you keep your money, the higher the interest you earn.

PNB FD Calculator – Plan Your Returns

The PNB FD Calculator is an online tool that helps you know how much interest you will earn on your deposit.

How It Works:

1. Enter your deposit amount.
2. Choose your investment period.
3. Select how you want the interest (monthly, quarterly, or at maturity).
4. Click "Calculate" to see your total returns.

This tool is helpful when planning savings for specific goals like education, travel, or retirement.

Who Can Open a PNB Fixed Deposit?

You can open a PNB FD if you are:

• An Indian resident (18 years or older)
• A senior citizen (60+ years)
• A minor (with a guardian)
• A member of a Hindu Undivided Family (HUF)
• An NRI (using NRE or NRO account)

Required Documents:

• PAN Card
• Aadhar Card
• Passport-size photograph

PNB Bank Fixed Deposite Interest Rates 2025

Period	Rates For Public	Rates for Senior Citizens	Rates for Super Senior Citizens
7 to 14 Days	3.50	4.00	4.30
46 to 60 Days	4.50	5.00	5.30
91 to 179 Days	5.50	6.00	6.30
180 to 270 Days	6.25	6.75	7.05
271 Days to 299 Days	6.50	7.00	7.30
304 Days to < 1 Years	6.50	7.00	7.30
1 Year	6.80	7.30	7.60
1 Year to 389 days	6.80	7.30	7.60

Types of PNB Bank Fixed Deposits

1. Regular Fixed Deposit

This is the most basic and commonly chosen FD. You deposit a fixed amount for a specific tenure ranging from 7 days to 10 years. The interest rate remains unchanged throughout, which means your returns are guaranteed. You can choose to receive the interest monthly, quarterly, or at maturity. It's perfect for individuals who want safe and steady returns, whether for short-term needs or long-term goals. You can open it online or by visiting any PNB branch.

2. Tax Saver Fixed Deposit

This FD is best for people looking to save tax while earning fixed returns. You can invest up to ₹1.5 lakh in a financial year and claim a deduction under Section 80C of the Income Tax Act. It comes with a lock-in period of 5 years, so you cannot withdraw the amount early. You also cannot take a loan against it. It's ideal for long-term goals like future savings, retirement, or your child’s education.

3. Senior Citizen Fixed Deposit

Specially designed for individuals aged 60 years and above, this FD gives an additional 0.50% interest rate over the standard rate. It offers a secure and regular income option for retired people who want peace of mind. You can choose monthly interest payouts to cover daily expenses or receive the full amount at maturity. Senior citizen FDs are one of the safest post-retirement investment options and can also be combined with a tax-saver plan.

4. NRE/NRO Fixed Deposits

These FDs are designed for Non-Resident Indians (NRIs). NRE FDs are for foreign income deposited in India. They offer tax-free interest and the funds can be fully repatriated (moved back abroad). NRO FDs are for income earned in India like rent or dividends and are taxable. These accounts allow NRIs to earn better returns in INR while ensuring their money is safely parked. Tenure and interest rates are similar to regular FDs but based on RBI rules.

Why Choose a Fixed Deposit in 2025?

Fixed Deposits are a trusted and stable investment choice in 2025. Here's why people prefer them:

• Guaranteed Returns – You earn fixed interest, no matter how the market performs.
• Safe Investment – Backed by banks like PNB, your money is secure and insured up to ₹5 lakh.
• Flexible Terms – Choose a deposit period from 7 days to 10 years.
• Higher Rates for Seniors – Senior citizens get extra interest rates for better income.
• Emergency Support – You can take a loan against your FD without breaking it.

It’s perfect for saving for future goals or building an emergency fund without risk.

Benefits of PNB Bank Fixed Deposits

1. Safe and Guaranteed Returns

FDs are low-risk investments where your principal is secure, and the returns are fixed. Unlike stocks or mutual funds, there is no market fluctuation. With PNB being a public sector bank, the trust factor is even stronger. Also, your deposits are insured by DICGC up to ₹5 lakh, which adds another layer of safety. It's an excellent option for conservative investors or anyone looking to park their money safely with assured returns.

2. Higher Interest Rates Than Savings Accounts

PNB offers better interest rates on FDs compared to a regular savings account. While savings accounts generally offer around 2.75% to 3%, PNB FDs offer up to 7.75% (especially for senior citizens). This means your money grows faster. Longer tenure FDs tend to have higher rates, which makes them suitable for long-term saving goals like buying a house, planning a wedding, or building a retirement corpus.

3. Flexible Tenure and Investment Amount

PNB offers flexible FD tenures from as short as 7 days to as long as 10 years. This lets you plan according to your financial needs—short-term goals or long-term investments. You can invest with as little as ₹1,000, making it accessible for everyone. Whether you're saving for next month’s expenses or for something big in the future, you can choose an FD that fits your plan perfectly.

4. Loan Facility Without Breaking the FD

In case you need urgent funds, PNB allows you to take a loan against your FD. You can get up to 90% of your FD value as a loan. This means you don’t need to break your FD and lose interest. It’s a great feature in emergencies like medical needs, education fees, or any personal financial crunch. The process is simple, and interest on the loan is lower compared to other loan types.

5. Online Access and Easy Management

You can easily open and manage your FD through PNB’s net banking or the PNB One mobile app. There’s no need to visit a branch unless you prefer to. You can track maturity dates, download receipts, renew FDs, or close them—all from your phone or computer. This makes the investment process super convenient, especially for young professionals, busy individuals, and senior citizens who may prefer digital banking.