PNB Fixed Deposit Scheme 2025: Latest Interest Rates, Benefits & Calculator Guide

In today’s unpredictable financial world, most people are searching for safe investment options that guarantee stable returns. While stock markets and mutual funds can be risky, a Fixed Deposit (FD) remains one of the most trusted investment avenues for Indians.

Among all banks, Punjab National Bank (PNB) stands out as one of the most reliable institutions with its PNB Fixed Deposit Scheme 2025, offering attractive interest rates, multiple tenure options, and extra benefits for senior citizens.

If you’ve been wondering “Which FD is best in PNB?” or want to know the interest rate of FD in PNB for 444 days, this detailed guide has everything you need.

Key Highlights of PNB FD Scheme 2025

• Minimum Deposit Amount: ₹1,000 only
  
• Tenure Range: 7 days to 10 years
  
• PNB FD Interest Rates 2025: 3.50% to 7.25% (with an additional 0.50% for senior citizens)
  
• Special FD: 444 Days under the PNB Nirmaan 2025 Scheme
  
• Loan Against FD: Available up to 90% of FD value
  
• Tax Saving FD: 5-year deposit eligible for tax deduction under Section 80C
  

Whether you’re a young professional or a retiree looking for secure income, the PNB Fixed Deposit Scheme 2025 offers options for every financial need.

PNB FD Interest Rates 2025 (Updated)

Here’s a simplified look at the PNB Fixed Deposit Rates for both general customers and senior citizens:

Tenure	Regular Customers	Senior Citizens
7 – 45 days	3.50%	4.00%
46 – 179 days	5.25%	5.75%
180 – 270 days	6.10%	6.60%
271 – 364 days	6.40%	6.90%
444 Days (PNB Nirmaan 2025)	7.25%	7.75%
1 – 3 years	6.80%	7.30%
3 – 5 years	7.00%	7.50%
5 – 10 years	6.50%	7.00%

Clearly, the 444-day FD scheme is the most rewarding in 2025.

Using the PNB FD Calculator

The PNB FD Calculator is a handy online tool that helps you estimate the maturity value of your investment.

Example Calculation:
If ₹1,000,000 is invested in a 5-year FD:

• Regular customer at 7.00% → ~₹1,40,250 on maturity
  
• Senior citizen at 7.50% → ~₹1,43,500 on maturity
  

This makes it easier for you to compare different FD tenures before investing.

PNB FD Scheme for Senior Citizens

PNB understands that senior citizens rely heavily on safe income sources after retirement. That’s why it offers an additional 0.50% interest rate over the standard FD rates.

Benefits include:

• Higher guaranteed returns
  
• Flexible payout options (monthly, quarterly, or on maturity)
  
• Perfect choice for pensioners seeking stable income
  
• Tax-saving 5-year FD option with Section 80C benefits
  

PNB Fixed Deposit Scheme for 5 Years

The PNB 5-year FD scheme is ideal for long-term savers who also want tax benefits.

• Interest Rate: 7.00% (7.50% for senior citizens)
  
• Lock-in Period: 5 years
  
• Tax Deduction: Up to ₹1.5 lakh under Section 80C of the Income Tax Act
  
• Who should invest? Salaried individuals and families looking to grow wealth securely while saving taxes.
  

PNB Nirmaan 2025 FD Scheme

One of the most talked-about deposit schemes this year is the PNB Nirmaan 2025 Scheme.

• Special Tenure: 444 days
  
• Attractive Interest Rates: 7.25% for regular customers, 7.75% for senior citizens
  
• Why choose it? Higher returns in the short-to-medium term compared to other FDs.
  

If you don’t want to lock your money for too long but still want maximum interest, this is the best FD in PNB.

Benefits of Choosing PNB Fixed Deposit Scheme 2025

1. Safety & Trust – Backed by one of India’s largest public sector banks.
   
2. Flexible Tenure – From 7 days to 10 years.
   
3. Attractive Rates – Competitive with both private and PSU banks.
   
4. Extra Benefits for Senior Citizens – Higher returns plus flexible payout.
   
5. Loan Against FD – Quick liquidity without breaking your deposit.
   
6. Tax Saving Option – 5-year FD helps reduce tax liability.
   
7. Simple Process – Can be opened both online and offline.
   

Frequently Asked Questions (FAQs)

Q1. Which FD is best in PNB?
The 444 days PNB Nirmaan 2025 FD and the 5-year Tax Saving FD are considered the best options.

Q2. What is the interest rate of FD in PNB 444 days?
It’s 7.25% for general customers and 7.75% for senior citizens.

Q3. What is the PNB Nirmaan 2025 scheme?
A special FD scheme with a tenure of 444 days, offering higher-than-average interest rates.

Q4. Is PNB FD safe?
Yes, PNB is a government-backed bank, and deposits are insured up to ₹5 lakh under DICGC.

Q5. Can I take a loan against PNB FD?
Yes, you can get up to 90% of the FD value as a loan or overdraft.

Q6. What is the minimum deposit required for PNB FD?
You can start a PNB FD with as little as ₹1,000.

Q7. Do I get tax benefits on PNB FD?
Yes, the 5-year FD scheme qualifies for tax deduction under Section 80C.

Q8. Does PNB provide a monthly interest payout option?
Yes, you can opt for monthly, quarterly, or maturity-based interest payouts.

Conclusion

The PNB Fixed Deposit Scheme 2025 is a smart choice for anyone looking for secure, risk-free, and guaranteed returns. With flexible tenures, attractive rates, a special 444-day Nirmaan Scheme, and exclusive senior citizen benefits, PNB ensures that there’s something for every investor.

If you’re tired of market volatility and want a reliable savings option, it’s time to open a PNB Fixed Deposit today.

 So, what are you waiting for? Head to your nearest branch or log in online to book your FD and let your money grow safely.