A fixed deposit (FD) is a simple way to invest money with the bank. You put a fixed amount for a fixed time at a fixed interest rate.
Punjab National Bank (PNB) is offering a special FD plan for 2025. If you invest ₹2 lakh today, you can get back ₹2.76 lakh at maturity. This is a safe option with no market risk.
Why FDs Are Popular
FDs are loved because they give sure returns. The rate of interest is decided at the time of investment.
Unlike shares or mutual funds, your money in an FD does not depend on market ups and downs. This makes it stress-free for people who want steady growth.
Key Features of PNB FD Plan 2025
The PNB FD plan comes with a good interest rate. It helps your money grow safely till 2025.
You can start with different amounts, but ₹2 lakh is a common choice. At the end of the period, it becomes ₹2.76 lakh.
This plan is offered by PNB, a trusted public bank. Your money is safe, and returns are assured.
Sample Investment Growth
| Investment Amount | Tenure (Approx) | Maturity Amount |
| ₹2,00,000 | Till 2025 | ₹2,76,000 |
How Compounding Works
Compounding is the reason your money grows more in an FD. It means the interest you earn is added to your deposit and then earns more interest.
If interest is compounded every 3 months, then every quarter the interest earned is added back. The next time, interest is calculated on this bigger amount.
This way, the final maturity is higher than simple interest.
Benefits of PNB FD
One big benefit is safety. Your money is secure with PNB, and you know exactly what you will get back.
Another benefit is guaranteed returns. No matter what happens in the market, you get your promised amount at the end.
You can also take a loan against your FD if you need money urgently, without breaking it.
Senior citizens can get higher interest and some tax benefits too.
Who Should Invest in This Plan
This plan is best for people who do not want to take risks. Retired people, salaried workers, and families saving for goals like education or marriage can benefit.
It is also good for people who want some part of their savings in safe options. Investors who already invest in stocks or mutual funds can use FDs for balance.
How to Invest in PNB FD 2025
Investing is simple. You can visit the nearest PNB branch or apply online.
Steps:
- Decide the amount to invest (₹2 lakh in this case).
- Select the tenure till 2025.
- Choose how you want interest to be compounded.
- Fill the form and submit ID proof, address proof, and PAN card.
- Deposit money through cheque, transfer, or cash.
After this, you will get an FD receipt with all details.
Things to Consider Before Investing
Remember, FD returns are lower than stock market returns. But they give more safety.
If you withdraw early, there may be a penalty. So, invest only the money you can keep locked till maturity.
Also, interest from FDs is taxable. Plan your taxes before investing.
FAQs
How much will ₹2 lakh become in 2025?
₹2.76 lakh.
Is FD safe in PNB?
Yes, it is very safe.
Can I break the FD before maturity?
Yes, but penalty applies.
Do senior citizens get more interest?
Yes, they get higher rates.
Is FD interest taxable?
Yes, it is taxable.