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.

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)

✔️ 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)

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! 🚀

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