When you are in search of a way that is safe and trustworthy at the same time for your money to earn good returns, fixed deposits remain a constant solid choice. Punjab National Bank (PNB) has a special FD scheme of 666 days which is one of the main features for investors who seek a medium-term option with attractive rates of interests.
The current situation with rates being so competitive even at the end of 2025, this scheme does not only have the tenure of exactly 666 days but also the added benefit of being just about 1 year and 10 months. It is a great option for those who have plans for goals a short distance away, e.g. vacation or home renovation.
What is PNB 666 Day FD Scheme?
PNB 666-day fixed deposit is a special term deposit product issued by the bank that guarantees higher returns compared to ordinary fixed deposits with a short-term maturity period. It is one of the limited-period schemes of the bank that is similar to its popular 444-day option.
You will receive a guaranteed interest rate which is regularly better than those for the standard tenures in the 1-2 year range, as you invest your funds for 666 days. This means that you can get good returns on your investment while still having access to your money whenever required.
Current Interest Rates for 666 Days
In December 2025, PNB is offering rates that are among the best in the market on its special schemes. For a 666-day fixed deposit, the general public can expect to get interest rates in the region of 6.50% to 7.00% per annum, while senior citizens are given an additional advantage of 0.50%.
The rates are subject to a slight variation owing to the changes in the market but this scheme is typically one of the best yielding schemes in the medium-term category. Keep checking the official PNB website for the exact rate on the day you decide to invest.
Profit Calculation on ₹3 Lakh Deposit
Do you want to know how much you can earn? Let’s do it in a simple way,
For the ₹3 lakhs fixed deposit under the 666-day scheme:
- Assuming the interest is at the rate of 6.75% per annum (for the general public, approximate current rate), the total interest earned over the entire period would be around ₹38,000 to ₹40,000.
- At the rate of 7.25%, senior citizenship would be able to earn closer to ₹41,000 to ₹43,000.
The amount paid at maturity would be approximately ₹3.40 lakhs for investors of the general category. The interest is generally compounded quarterly which adds to the amount of your returns.
Benefits of Choosing PNB 666 Day FD
The scheme has the major perk of its assured returns, there is no risk from the market and the DICGC insurance covering deposits up to ₹5 lakh. If you need a regular income, you can receive the interest monthly or quarterly.
It is uncomplicated to open either online or at a branch, and nomination is given for your comfort.
Eligibility and Minimum Deposit
Anyone can invest – individuals, HUFs, or jointly. The minimum amount is just ₹1,000, making it accessible. No upper limit for most deposits under ₹3 crore.
Comparison: General vs Senior Citizen Rates
Here is a brief chart illustrating the expected returns on ₹3 lakh for 666 days (based on average rates for 2025; always verify current ones):
| Category | Interest Rate (p.a.) | Approximate Interest Earned | Maturity Amount |
|---|---|---|---|
| General Public | 6.75% | ₹39,500 | ₹3,39,500 |
| Senior Citizens | 7.25% | ₹42,500 | ₹3,42,500 |
How to Open a PNB 666 Day FD
Visit a PNB branch or use net banking/mobile app. Provide KYC documents, fill the form, and deposit your amount. It’s quick and hassle-free.
Things to Keep in Mind
Premature withdrawal is allowed but comes with a small penalty. Tax is applicable on interest according to your slab, and TDS may be deducted if it crosses the limits.
Why Consider It Now?
The fixed deposit rates are currently steady and thus PNB’s 666-day option becomes a prudent pick for the risk-free growth in the fixed income category.
The PNB 666-day FD scheme no longer an option only for the conservatives but also for the investors who don’t want to worry about the market oscillations while earning decent returns. With the attractive rates, flexibility for seniors and easy access it is always a part of your savings plan.
Ascertain the latest rates on the PNB website or visit a branch today to secure your investment prior to any alterations. Start growing your money in a smarter way!