Everybody wants to invest their hard-earned money in a secure location these days, where they can be sure that their money is safe and will yield assured returns. Not everyone is interested in making investments in erratic markets like the stock market. A dependable and simple solution in this case is a fixed deposit (FD). The new FD interest rates that Punjab National Bank (PNB) has introduced for its clients would help everyone, from senior persons to regular people.

Interest rates changed after RBI’s decision

The Reserve Bank of India (RBI) chose to maintain the repo rate at its most recent Monetary Policy Committee (MPC) meeting in August. However, in February, April, and June of this year, a total of 1 percent was cut in three stages. As a result, there have also been adjustments in bank PNB FD returns 2025 rates. Customers of Punjab National Bank now have access to new interest rates, which range from 3.25 percent to 7.40 percent.

What is special in PNB’s FD

Customers of PNB savings scheme are permitted to open Punjab National Bank fixed deposit accounts for a duration ranging from seven days to ten years. But the 390-day PNB FD rates offers the most alluring interest rate. This offers a great return of 6.60 percent to regular customers, 7.10 percent to senior citizens, and 7.40 percent to super senior citizens (those over 80).

Why is 2-year FD scheme beneficial

PNB Fixed Deposit 2-year FD can be a fantastic choice if you wish to invest for a lengthy time. The interest rates in this program are 6.40 percent for the general public, 6.90 percent for senior citizens, and 7.20 percent for super senior citizens. If you put Rs 2 lakh in a PNB 2-year FD, you would receive benefits based on various categories when the FD matures.

Senior people will receive Rs 2,29,325 (including Rs 29,325 interest), super senior citizens will receive Rs 2,30,681 (containing Rs 30,681 interest), and general investors will receive Rs 2,27,080 (including Rs 27,080 interest). For any investor, this assured return is a huge comfort.

Safe and reliable investment option

A fixed deposit has long been regarded as a secure investment. In particular, the FD of government banks is more trusted. In addition to being secure, PNB’s scheme offers senior and super elderly residents extra interest savings. This plan is ideal for people who wish to grow their hard-earned money with risk-free, safe, and guaranteed returns.

Disclaimer: This article is written for informational purposes only. Before investing, please understand your financial situation and the terms of the bank carefully. It would be advisable to consult a financial advisor before taking any final investment decision.

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