In good years, one just can’t go wrong with PNB’s fixed deposit schemes, known to be high in returns. It is always a good option for those who want a safe investment along with good returns. A fixed deposit investment of ₹6 lakh may accumulate interest of ₹3,95,577 on top of the principal, depending upon the scheme and compounding frequency selected. These FDs are great for the conservative investor who wants assured returns.
Best Rates of interest for 2025
PNB offers competitive interest rates on FDs in 2025 at the rate of 6.50% to 7.25% for regular customers, while providing senior citizens with an additional benefit of 0.50%. The cumulative FD option, upon a tenure of 5 years, accumulates the principal of ₹6 lakh for investors into almost ₹9.95 lakh — a gain of ₹3,95,577. The bank allows flexibility in claims to invest, ranging between 7 days and 10 years, letting investors plan for short-term savings or long-term wealth creation on their own.
Why PNB FDs Are a Preferred Choice
Fixed deposits with PNB guarantee high safety, guaranteed interest, and flexible options for withdrawal or reinvestment. Investors can opt for either cumulative interest or non-cumulative interest payouts, depending on whether they wish to earn regular income or let the earnings compound by reinvesting them. These FD schemes also grant loans and overdrafts against deposits without liquidating the deposits. In addition, five-year tax-saving FDs are eligible under Section 80C of the Income Tax Act, allowing an additional benefit by way of deductions amounting to up to ₹1.5 lakh.
Conclusion
The PNB FD scheme holds excellent scope for growth and stability for investors willing to invest their money safely and profitably in 2025. The ₹3,95,577 accrued on ₹6 lakh is a testament to the marvelous effects of compounding and the trust reposed in a nationalized bank. With assured returns, senior citizen benefits, and flexible tenures, PNB remains one of the best banks for fixed deposits in India.
