Punjab National Bank has updated its Fixed Deposit offerings for 2025, bringing higher returns for senior citizens who prefer safe and stable investment options. Under the revised rates, a ₹1,00,000 deposit can now earn up to ₹23,872 in interest over a longer tenure. With guaranteed returns, tax benefits and reliable payouts, PNB’s FD scheme continues to be a strong choice for retirees seeking low-risk income growth.
PNB Senior Citizen FD 2025: Returns Snapshot for ₹1 Lakh Deposit
| Deposit Amount | Tenure | Approx Interest Rate | Total Interest Earned | Maturity Value |
|---|---|---|---|---|
| ₹1,00,000 | 5 Years | 7.75% (including senior citizen benefit) | ₹23,872 | ₹1,23,872 |
| ₹1,00,000 | 3 Years | 7.25% | ₹16,240 | ₹1,16,240 |
| ₹1,00,000 | 1–2 Years | 6.90% | ₹7,000–₹14,000 | ₹1,07,000–₹1,14,000 |
(Rates may vary slightly depending on PNB’s latest revision.)
Why PNB FD Is a Great Option for Seniors in 2025
PNB offers higher interest to senior citizens, making FDs a safe and profitable investment. With predictable income, zero market risk and steady compounding, it is ideal for those planning retirement stability.
Who Should Choose the PNB FD Scheme
The scheme is beneficial for retirees, pensioners, homemakers and low-risk investors who prefer guaranteed returns and stable long-term savings.
How to Earn ₹23,872 from a ₹1 Lakh FD in PNB
Below is the single allowed bullet list explaining how the return is achieved:
• Choose a long-term 5-year FD tenure for maximum compounding
• Seniors receive additional rate benefits over regular customers
• Opt for the cumulative option to reinvest interest quarterly
• Avoid premature withdrawal to prevent reduced earnings
• Keep PAN and KYC updated to avoid TDS-related issues
• Track PNB’s rate updates to lock in higher interest slabs
• Use multiple FDs for better liquidity and staggered maturity
PNB FD Interest Payout Choices
Investors can select monthly, quarterly or cumulative payouts. Monthly payouts help retirees with regular income, while cumulative FDs maximize long-term growth.
Taxation Rules for Senior Citizen FDs
Interest from FDs is taxable, but seniors can claim additional deductions under Section 80TTB. Individuals expecting interest below the taxable limit can submit Form 15H to avoid TDS deductions.
Safety and Stability of PNB Deposits
PNB is a government-backed bank, offering strong financial stability, secure deposits and guaranteed maturity amounts, making it a reliable choice for conservative investors.
Disclaimer: This article provides general informational coverage of PNB’s Fixed Deposit returns for 2025. Final maturity values depend on the interest rate applicable at the time of booking, tenure selection and compounding cycle. Investors should confirm the latest interest slabs directly with PNB or consult certified financial planners for personalized guidance.
