Punjab National Bank (PNB) has launched its Utsav Fixed Deposit (FD) offer for December 2025, providing investors with an attractive interest rate of up to 10.05%. This limited-time FD scheme is designed to help savers maximize returns while enjoying the safety and reliability of a bank deposit. With flexible tenure options and assured interest, the Utsav FD is ideal for both short-term and long-term financial planning.
Attractive Interest Rates
The Utsav FD scheme offers one of the highest fixed deposit interest rates in December 2025. Investors can earn up to 10.05% per annum, depending on tenure and deposit type, making it an attractive option for safe and high-return investments.
Flexible Tenure Options
PNB provides flexible tenure options ranging from 12 months to 60 months, allowing investors to choose a period that aligns with their financial goals. Short-term and long-term investors can benefit equally from the scheme.
| Feature | PNB Utsav FD December 2025 |
|---|---|
| Interest Rate | Up to 10.05% p.a. |
| Tenure | 12 to 60 months |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | No upper limit for general public |
| Premature Withdrawal | Allowed as per bank policy with reduced interest |
| Eligibility | Resident and non-resident Indians |
| Tax Benefits | Taxable as per income tax rules |
| Mode of Investment | Online & Offline at PNB branches |
| Offer Period | December 2025 |
Eligibility and Deposit Limits
Both resident and non-resident Indians can open a Utsav FD. The minimum deposit required is ₹1,000, while there is generally no upper limit for retail investors. Premature withdrawals are allowed with applicable interest adjustments, providing liquidity when needed.
Safety and Reliability
Being a government-owned bank, PNB provides a secure platform for investment. The Utsav FD is ideal for conservative investors seeking guaranteed returns with minimal risk.
Who Should Invest
This FD scheme is suitable for conservative investors, retirees, salaried individuals, and anyone looking for guaranteed high returns with a trusted financial institution. It also appeals to investors planning for short-term goals or long-term savings growth.
The PNB Utsav FD December 2025 offer appeals to investors seeking high interest, flexible tenure, guaranteed returns, secure banking, and tax-compliant investment options.
Conclusion:
The PNB Utsav FD offer for December 2025 provides an excellent opportunity to earn up to 10.05% interest while enjoying the security and reliability of a government-owned bank. Investors should act quickly to benefit from this limited-time scheme.
Disclaimer:
This article is for informational purposes only. Interest rates, tenure options, and deposit rules may vary based on bank policies, government regulations, and RBI directives. Always consult PNB branches or official communications for accurate and updated details before investing.
