PNB FD Calculator 2025: Check Returns for General, Senior & Super Senior Citizens

By Prateek Maurya Nov 19, 2025 1

PNB FD: When the market keeps going up and down, most people choose safe investments that give them fixed and guaranteed returns. One such reliable choice is a Fixed Deposit (FD). Punjab National Bank (PNB) India’s second-largest public sector bank, has been providing trustworthy FD services for decades.

PNB has launched a 390-day fixed deposit scheme that offers different interest rates for general, senior, and super senior citizens. If you plan to invest ₹3,00,000 understanding the maturity value is important to make an informed decision.

PNB Latest FD Interest Rates

After the recent RBI repo rate cut several banks have lowered their FD interest rates. PNB currently offers interest rates ranging from 3.25% to 7.50% depending on the tenure.

For the 390-day FD:

General Citizens: 6.70%
Senior Citizens: 7.20%

If you invest ₹3,00,000 in this scheme:

General citizens will receive ₹3,22,073 at maturity.
Senior citizens will get ₹3,23,768 at maturity.

PNB 24-Month FD: Maturity Amount for ₹2,00,000 Investment

If you deposit ₹2,00,000 for 24 months, here’s how much you will earn based on your age category:

For General Citizens

Investment Amount: ₹2,00,000
Interest Rate: 6.40%
Total Interest Earned: ₹27,080
Maturity Amount: ₹2,27,080

For Senior Citizens

Investment Amount: ₹2,00,000
Interest Rate: 6.90%
Total Interest Earned: ₹29,325
Maturity Amount: ₹2,29,325

For Super Senior Citizens

Investment Amount: ₹2,00,000
Interest Rate: 7.20%
Total Interest Earned: ₹30,689
Maturity Amount: ₹2,30,689

Why This FD Scheme Is a Good Choice

PNB’s fixed deposits are ideal for people looking for:

Safe and low-risk savings
Guaranteed and fixed returns
A secure place to park their money
Higher interest rates for senior and super senior citizens

With simple procedures, dependable returns, and the trust of a government-owned bank, PNB’s FD schemes are a strong option for building long-term financial security.

Disclaimer: This article is for informational purposes only. Always talk a financial advisor before making investment decisions.

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Prateek Maurya

Prateek Maurya is the founder of Explain24. He holds a Bachelor’s degree in Computer Science and has experience of over 3 years as a content writer. Before the establishment of Explain24, he has experience as a content writer at StudyCafe, where he worked on crafting well-informed, informative, and reader-friendly articles. He currently heads Explain24 with a fervent aim to put out authentic and easily readable news pieces.