PNB Bank FD Scheme: When it comes to safe investments, most people in India still prefer a Fixed Deposit (FD). It doesn’t demand daily attention, there’s no risk like the stock market, and at the end, you know exactly how much you’ll get. And when the FD is with a trusted bank like Punjab National Bank (PNB), the confidence is even stronger. Now imagine you put ₹2 lakh in PNB FD. After a few years, this small step quietly turns into ₹2,77,445. Let’s understand how this happens in detail.
Current Interest Rate in PNB FD
Punjab National Bank currently offers interest rates around 7.25% per annum for a 5-year FD. Senior citizens get a slightly higher rate. The good part is once you fix your FD, the rate remains the same for the entire period. So no matter how the market changes, your returns are guaranteed.
Read more: Save ₹12,000 Today for Your Kids, Earn ₹8.56 Lakh in Just 5 Years
₹2 Lakh FD Full Calculation
| Deposit Amount | Tenure | Interest Rate | Maturity Value | Total Interest Earned |
| ₹2,00,000 | 5 Years | 7.25% | ₹2,77,445 | ₹77,445 |
So, your ₹2 lakh earns about ₹77,445 as interest. Finally, at maturity, you get ₹2,77,445 — safe, guaranteed, and without any risk.
Real-Life Example
Think about Rajesh, a middle-class shopkeeper. He wanted to save money for his daughter’s higher studies. Instead of taking risks, he invested ₹2 lakh in a 5-year FD with PNB. When the FD matured, he received ₹2,77,445. That extra ₹77,000 became a big help in paying college admission fees. For him, FD was not just about returns, it was about peace of mind.
Benefits of PNB FD
The biggest benefit is safety and assured returns. You don’t have to worry about market ups and downs. If you choose the 5-year FD, you also get tax deduction benefits under Section 80C (up to ₹1.5 lakh per year). Plus, with senior citizen rates, parents and grandparents can get even more benefit.
Read more: Deposit ₹5,000 Every Month and Get ₹3,56,830 Full Calculation
Conclusion
If you invest ₹2 lakh in PNB Bank FD for 5 years at 7.25%, your money will grow into ₹2,77,445. That’s a neat profit of about ₹77,445 without any risk. For people who value security and fixed returns, PNB FD is a solid choice.
Disclaimer
This article is only for educational and general knowledge purposes. FD interest rates are revised by banks from time to time. Please confirm the latest rates and terms with Punjab National Bank before investing.
