PNB FD Scheme: When people talk about safe investments, Fixed Deposit (FD) always comes first. And among banks Punjab National Bank (PNB) is a trusted name for millions of Indians. With guaranteed returns and zero risk PNB’s FD scheme is still one of the most reliable choices in 2025. But the question is if you invest ₹4 lakh in a PNB FD today how much will you actually get after maturity? Let’s go step by step and see the full picture.
PNB FD Interest Rate 2025
PNB is currently offering interest rates ranging from 6.5% to 7.25% per annum depending on tenure. For a 5-year FD, the average rate is around 6.9%, while senior citizens enjoy an extra 0.5%. For our calculation, we’ll consider the normal 6.9% rate for 5 years.
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Calculation of ₹4 Lakh FD in PNB
Here’s how your ₹4,00,000 grows if you keep it in a fixed deposit for 5 years at 6.9% annual interest (quarterly compounding).
| Deposit Amount | Interest Rate | Tenure | Maturity Amount | Total Interest Earned |
|---|---|---|---|---|
| ₹4,00,000 | 6.9% | 5 Years | ₹5,45,416 | ₹1,45,416 |
So, at the end of 5 years, your ₹4 lakh will become ₹5,45,416, giving you a profit of nearly ₹1.45 lakh without any market risk.
Why PNB FD is a Good Option
The biggest benefit is safety and stability. Unlike shares or mutual funds, here your money is not affected by market ups and downs. You know the exact amount you’ll get at maturity. For salaried people, retired employees, or families saving for children’s education or marriage, FD works like a financial cushion. Another advantage if you opt for a tax-saving FD (5-year lock-in), you can also claim deductions under Section 80C of the Income Tax Act up to ₹1.5 lakh.
Things to Keep in Mind
- Withdrawing before maturity can reduce your interest.
- The interest you earn is taxable as per your income slab.
- Senior citizens get a higher rate, which increases maturity value further.
Conclusion
If you invest ₹4 lakh in a PNB FD for 5 years at 6.9% interest, you will get back ₹5,45,416 on maturity. That’s a guaranteed gain of ₹1.45 lakh, making it a safe and reliable investment choice. For those who want peace of mind with assured returns, PNB FD continues to be a strong option in 2025.
Read more: How ₹12,000 Monthly Becomes ₹8,56,388 in 5 Years Full Investment Plan
Disclaimer
This article is only for educational and general knowledge purposes. FD interest rates and maturity values may change based on bank policies and RBI updates. Please confirm the latest details with Punjab National Bank before making any investment.
