PNB Fixed Deposit Scheme 2026: If you want to protect your money from the fluctuations of the stock market and are looking for guaranteed returns, fixed deposits (FDs) remain the most reliable option. Public sector giant Punjab National Bank (PNB) has made the interest rates on its FD schemes very attractive, allowing everyone from ordinary citizens to senior citizens to earn stable and excellent returns on investments of lakhs of rupees.
Investing under the bank’s special schemes in 2026 not only provides complete security but also offers higher returns than other safe instruments in the market. In this article, we will explore in detail the interest rates offered on PNB FDs with different tenures and how much money you can earn on an investment of ₹1 lakh.
PNB FDs offer 7.20% interest
PNB FD INTEREST
Punjab National Bank offers its customers excellent FD options ranging from 7 days to 10 years, and the bank’s interest rates currently range from 3.00% to 7.20%. The bank’s most prominent scheme is the 390-day Special FD, which offers the highest returns.
Under this scheme, while general citizens receive 6.40% interest, senior citizens receive 6.90% interest, and super senior citizens receive 7.20% interest. Furthermore, if you wish to invest for a longer period, such as 5 years, the bank has set very balanced rates to ensure that inflation does not impact your hard-earned money.
Investing ₹1 lakh will yield tremendous returns.
Let’s take a look at how much you’ll receive at maturity if you deposit ₹100,000 for a period of 5 years, as PNB offers significantly better returns for senior citizens. If you’re a regular citizen and invest ₹1 lakh for 5 years, you’ll earn an annual interest rate of 6.10%. At maturity, you’ll receive a total of ₹137,364, of which ₹37,364 will be earned from interest alone.
For senior citizens (over 60), the deal is even more impressive. They’re being paid an interest rate of 6.60%, which will increase their ₹1 lakh to ₹140,784 after 5 years. This will result in net interest savings of ₹40,784. Very senior citizens (above 80 years) benefit the most. The bank offers them an interest rate of 6.90%. Consequently, their ₹1 lakh FD will grow to ₹1,42,875 after 5 years, meaning they will earn a guaranteed profit of ₹42,875 instantly.
SBI & HDFC & PNB FD Rates
Safe Investment and Guaranteed Profits
Investing in a public sector bank like PNB is considered the best in terms of security because your investment is not negatively affected by market fluctuations, and the maturity amount is completely fixed. FDs are ideal for those planning for retirement or wanting to fund major future expenses, such as children’s education or marriage.
However, before investing, it’s important to note that banks may change their interest rates from time to time, which may affect the maturity amount. Apart from this, TDS rules also apply to interest income from FD, hence it would be a wise financial decision to consult your tax advisor.
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