Fixed Deposits (FDs) continue to be a go-to investment for individuals seeking risk-free and assured returns. Unlike mutual funds and stock markets, which are subject to fluctuations, FDs provide stability with a fixed interest rate set at the time of deposit.
If you’re considering putting ₹4 lakh into a Punjab National Bank (PNB) Fixed Deposit for 5.5 years, here’s everything you need to know about the returns, interest rates, and benefits of this investment.
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PNB Fixed Deposit Interest Rates (Updated for 2025)
Punjab National Bank offers flexible FD tenures from 7 days to 10 years, with varying interest rates based on the deposit period. Here’s a breakdown:
Short-Term Deposits:
- 7-45 days – 3.5% (General) | 4% (Senior Citizens)
- 46-90 days – 4.5% (General) | 5% (Senior Citizens)
- 91-179 days – 5.5% (General) | 6% (Senior Citizens)
Medium-Term Deposits:
- 180-270 days – 6.25% (General) | 6.75% (Senior Citizens)
- 271-299 days – 6.5% (General) | 7% (Senior Citizens)
- 300 days (Highest short-term rate) – 7.05% (General) | 7.55% (Senior Citizens)
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Long-Term Deposits:
- 400 days – 7.25% (General) | 7.75% (Senior Citizens)
- 5.5 years – 10 years – 6.50% (General) | 7.30% (Senior Citizens)
₹4 Lakh FD Returns After 5.5 Years
If you deposit ₹4 lakh in a PNB FD for 5.5 years (2,000 days), your expected maturity amount will be:
For General Customers: ₹5,69,504
For Senior Citizens: ₹5,94,581 (higher returns due to additional interest benefits)
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Why Fixed Deposits Are a Smart Choice?
100% Safe Investment – No market-linked risks
Guaranteed Returns – Interest rate locked at the time of deposit
Better Earnings for Senior Citizens – Special rates available
Flexible Tenures – Choose from short-term or long-term options
Disclaimer: Interest rates may change, so it’s advisable to check PNB’s latest FD rates before investing.
Final Thought: Should You Invest?
If capital protection and assured growth are your priorities, PNB Fixed Deposits remain a solid choice. Consider your financial goals and lock in the best FD rates available today! 
