Are you searching for an investment that is both short-term and high-return in 2025? The Punjab National Bank (PNB) special 390-day fixed deposit (FD) scheme is giving one of the highest interest rates in the fixed deposit market among the public-sector banks. With around a year’s tenure, this FD is the perfect match for the investors who are looking for safety, liquidity, and returns that are slightly higher than the average ones.
What Is the 390-Day FD Scheme?
The 390-day FD is a limited-time special deposit plan that was set up by PNB to give high interest rates for the short-term investment. It is aimed at balancing returns and liquidity, thus it becomes a good option for people who want to enhance their funds quickly without the risk of them being immobilized for a long time. This scheme covers deposits up to ₹2 crore and it can be opened at any PNB branch or even online.
Latest Interest Rates – November 2025
Below is a glimpse of the present interest rates concerning the 390-day FD scheme:
| Category | Interest Rate | Effective Yield |
|---|---|---|
| Regular Citizens | 7.10% | ~7.30% |
| Senior Citizens | 7.60% | ~7.85% |
| Super Senior Citizens | 7.90% | ~8.15% |
Key Features of the Scheme
- Tenure: 390 days (just over 1 year)
- Minimum Deposit: ₹100
- Maximum Deposit: ₹1.99 crore
- Interest Payout Options: Monthly, quarterly, or cumulative
- Premature Withdrawal: Allowed with nominal penalty
- Auto-Renewal: Available on request
This scheme suits people who want to temporarily invest their surplus funds at rates better than those offered by normal savings accounts or shorter FDs.
Senior & Super Senior Citizen Benefits
PNB rewards senior and super senior citizens with higher interest rates:
- Senior citizens (60–80 years) are promoted by 0.50%
- Super senior citizens (80+ years) are promoted by 0.80%
This makes the 390-day FD specifically alluring for retirees who desire security and regular income.
How to Open the FD
The options available to open the 390-day FD are:
- PNB Internet Banking
- PNB One Mobile App
- Nearest PNB Branch
Be sure to have your PAN, Aadhaar, and KYC documents on hand. You can also designate a beneficiary and select the auto-renewal option upon reservation.
Final Thoughts
The PNB 390-day FD scheme in 2025 will be a smart and safe choice for short-term investors. It has a maximum interest rate of 7.90% which makes it a very attractive combination of safety, flexibility, and returns. Whether you are a working professional, retiree, or conservative investor, this FD is a great way to build your savings without a long-term commitment. However, hurry up because this is a limited-time offer and the rates might change depending on the market conditions.