In times when stock market fluctuations make investors cautious, fixed deposits (FDs) continue to be a preferred choice for safe and stable returns. Public sector lender Punjab National Bank has revised its FD interest rates under its Special FD schemes valid till 2026, offering attractive returns to both regular and senior citizens.

These schemes are designed for investors who want capital safety along with assured growth, making them suitable for long-term financial planning.

PNB FD Interest Rates Go Up to 7.20%

PNB currently offers fixed deposit tenures ranging from 7 days to 10 years, with interest rates starting at 3.00% and going up to 7.20%. One of the most popular offerings is the 390-day Special FD scheme, which provides higher interest compared to regular deposits.

Under this scheme:

• General citizens earn 6.40%

• Senior citizens earn 6.90%

• Super senior citizens earn up to 7.20%

For investors seeking longer stability, PNB also offers competitive rates on 5-year FDs, helping protect savings from the impact of inflation.

How Much Will ₹1 Lakh Grow?

If you invest ₹1 lakh in a PNB FD for 5 years, the returns can be quite rewarding, especially for senior citizens. At prevailing interest rates, the maturity amount can reach up to ₹1.42 lakh, depending on the applicable rate category.

This means your money grows steadily without market risk, making it an ideal option for retirees and conservative investors.

Why PNB Special FD Is a Smart Choice

• 100% capital safety backed by a government bank

• Higher interest rates than many other secure instruments

• Additional benefits for senior and super senior citizens

• Flexible tenure options to suit different financial goals

Final Takeaway

PNB’s Special FD 2026 schemes are a solid option for those who want guaranteed returns without risk. Whether you are planning for retirement, saving for future expenses, or simply looking for a secure investment avenue, these FDs can help grow your money with peace of mind.