PNB FD Offer: Lock In ₹23,872 Interest Now as Rates May Drop

If you’re looking for strong, risk-free returns, this is the moment to act. The RBI’s recent 0.25% repo rate cut usually leads banks to reduce deposit rates, but Punjab National Bank (PNB) hasn’t revised its FD rates yet. That makes this the perfect window to lock in higher interest before any reduction kicks in.

And here’s the highlight: with one of PNB’s special FD schemes, you can earn up to ₹23,872 in fixed interest by simply investing ₹1 lakh. Let’s break it down.

PNB’s High-Return 390-Day Special FD

PNB allows FD tenures ranging from 7 days to 10 years, offering interest rates between 3.00% and 7.30%.
But the star of the show is the 390-day special FD, which currently gives:

• 6.50% for general citizens
• 7.00% for senior citizens
• 7.30% for very senior citizens

In addition, PNB’s 3-year FD rates also look attractive, making them a solid pick for those wanting stable, fixed returns.

Earnings on a ₹1 Lakh Deposit (3-Year FD)

If you deposit ₹1 lakh in PNB’s 3-year FD, here’s how much you can earn based on your age category:

General Citizens - 6.40% Interest

• Maturity Amount: ₹1,20,983
• Total Interest Earned: ₹20,983

Senior Citizens - 6.90% Interest

• Maturity Amount: ₹1,22,781
• Total Interest Earned: ₹22,781

Very Senior Citizens - 7.00% Interest

• Maturity Amount: ₹1,23,872
• Total Interest Earned: ₹23,872

Why This FD is a Smart Move Right Now

• Completely safe, backed by a major public-sector bank
• Offers guaranteed returns, unlike market-linked products
• Lets you lock in higher rates before banks revise them downward
• Perfect for those seeking steady income without market volatility

With the repo rate already cut and FD rates likely to follow, now is the ideal time to secure these earnings. A simple ₹1 lakh deposit today can grow into a neat, risk-free payout tomorrow.