Central Bank of India’s 2025 FD rates with up to 7.60% returns! Explore top schemes like Cent Green and Cent Garima for secure, high-yield investments. Perfect for senior citizens and risk-averse investors. Start growing your wealth today with India’s trusted bank!
The Central Bank of India, a trusted public sector bank, has rolled out its updated Domestic Term Deposit Interest Rates effective from June 10, 2025. This blog dives into the latest FD rates, special schemes, and key features, offering insights for investors, senior citizens, and super senior citizens. This post is your guide to making informed financial decisions.
Why Choose Central Bank of India Fixed Deposits?
Fixed deposits are a go-to option for risk-averse investors seeking guaranteed returns. The Central Bank of India, with its century-long legacy, offers competitive FD interest rates, tailored schemes, and additional benefits for senior citizens. Whether you’re planning short-term savings or long-term wealth creation, the bank’s revised rates effective June 10, 2025, cater to diverse needs. Let’s explore the details.
Domestic Term Deposit Interest Rates (Less than Rs. 3 Crore)
The Central Bank of India offers attractive interest rates for deposits below Rs. 3 crore, with special incentives for senior citizens. Below is a detailed breakdown:
| Maturity Period | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 7 – 14 days | 3.50% | 3.50% | 4.00% | 4.00% |
| 15 – 30 days | 3.75% | 3.75% | 4.25% | 4.25% |
| 31 – 45 days | 3.75% | 3.75% | 4.25% | 4.25% |
| 46 – 59 days | 4.50% | 4.50% | 5.00% | 5.00% |
| 60 – 90 days | 4.50% | 4.50% | 5.00% | 5.00% |
| 91 – 179 days | 5.00% | 5.00% | 5.50% | 5.50% |
| 180 – 270 days | 5.50% | 5.61% | 6.00% | 6.14% |
| 271 – 364 days | 5.50% | 5.61% | 6.00% | 6.14% |
| 1 yr to < 2 yrs | 6.70% | 6.87% | 7.20% | 7.40% |
| 2 yrs to < 3 yrs | 7.00% | 7.19% | 7.50% | 7.71% |
| 3 yrs to < 5 yrs | 6.75% | 6.92% | 7.25% | 7.45% |
| 5 yrs & above up to 10 yrs | 6.50% | 6.66% | 7.00% | 7.19% |
Key Highlights
- Short-Term Deposits (7-14 days): Ideal for quick liquidity needs, offering 3.50% for general public and 4.00% for senior citizens.
- Mid-Term Deposits (1-2 years): Competitive rates of 6.70% (general) and 7.20% (senior citizens) make these suitable for medium-term goals.
- Long-Term Deposits (5-10 years): Rates of 6.50% (general) and 7.00% (senior citizens) ensure steady returns for long-term planning.
Senior citizens enjoy an additional 0.50% interest rate across all tenures, boosting their annualised yield significantly.
Special Term Deposit Schemes
The Central Bank of India offers exclusive schemes with higher interest rates for specific tenures, designed to maximize returns.
Callable Deposits
| Period (Days) | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 444 | 7.00% | 7.19% | 7.50% | 7.71% |
| 555 | 7.00% | 7.19% | 7.50% | 7.71% |
| 999 | 6.50% | 6.66% | 7.00% | 7.19% |
Non-Callable Deposits (Above Rs. 1 Crore)
| Period (Days) | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 444 | 7.10% | 7.29% | 7.60% | 7.82% |
| 555 | 7.10% | 7.29% | 7.60% | 7.82% |
| 999 | 6.60% | 6.77% | 7.10% | 7.29% |
Key Features
- Callable Deposits: Allow premature withdrawal with a 1% penalty, offering flexibility.
- Non-Callable Deposits: Higher rates (e.g., 7.60% for senior citizens on 444/555 days) but no premature withdrawal unless under exceptional circumstances, treated as callable deposits.
Cent Garima Deposit Scheme
The Cent Garima Deposit Scheme is tailored for investors seeking high returns over a fixed period.
| Period (Days) | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 777 | 7.00% | 7.19% | 7.50% | 7.71% |
This scheme is ideal for those planning investments around the 2-year mark, offering competitive yields.
Cent Green Deposit Scheme
The Cent Green Deposit Scheme promotes sustainable investments with attractive rates for longer tenures.
| Period (Days) | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 1111 | 7.00% | 7.19% | 7.50% | 7.71% |
| 2222 | 7.00% | 7.19% | 7.50% | 7.71% |
| 3333 | 7.00% | 7.19% | 7.50% | 7.71% |
This scheme is perfect for eco-conscious investors looking for long-term, high-yield options.
Cent Floating Deposit Scheme
The Cent Floating Deposit Scheme offers flexibility with rates that adjust based on market conditions.
| Period | General Public Rate (%) | General Public Yield (%) | Senior Citizen Rate (%) | Senior Citizen Yield (%) |
| 1 yr to < 2 yrs | 5.80% | 5.93% | 6.30% | 6.45% |
| 2 yrs to < 3 yrs | 5.85% | 5.98% | 6.35% | 6.50% |
This scheme suits investors comfortable with variable returns tied to market trends.
Additional Benefits for Senior Citizens and Staff
- Senior Citizens (60+ years): Receive an additional 0.50% interest across all schemes, including the Tax Saver Depositors Scheme.
- Super Senior Citizens (80+ years): Enjoy an extra 0.75% on non-callable deposits.
- Staff Benefits:
- Regular staff: +1% interest.
- Senior citizen ex-staff: +1.50% interest.
- Super senior citizen ex-staff: +1.75% interest.
These incentives make the Central Bank of India a top choice for senior citizens and bank staff.
Important Notes on Terms and Conditions
- Premature Withdrawal:
- Callable deposits incur a 1% penalty on premature withdrawal.
- No penalty for premature renewal if the deposit is renewed for a longer period than the remaining original term.
- Non-callable deposits generally do not allow premature withdrawal, but exceptions are treated as callable deposits.
- Applicability:
- Revised rates apply to fresh deposits and renewals.
- Rates also apply to the Capital Gains Accounts Scheme, 1988.
- Deposit Policy:
- Follows the bank’s existing deposit policy for additional terms.
Why Invest in Central Bank of India FDs?
- Competitive Rates: Up to 7.60% for senior citizens on non-callable deposits (444/555 days).
- Safety: As a public sector bank, Central Bank of India offers secure investments backed by government trust.
- Flexibility: Options like callable, non-callable, and floating deposits cater to varied financial goals.
- Senior Citizen Benefits: Additional 0.50%–0.75% interest rates ensure higher returns for retirees.
- Special Schemes: Cent Garima, Cent Green, and Cent Floating schemes provide tailored investment options.
How to Open a Fixed Deposit with Central Bank of India?
- Visit a Branch: Walk into any Central Bank of India branch with KYC documents (Aadhaar, PAN, etc.).
- Online Banking: Use the bank’s net banking portal or mobile app to open an FD instantly.
- Choose Tenure and Scheme: Select from regular FDs, special term deposits, or green deposits based on your goals.
- Deposit Amount: Decide between callable or non-callable options, keeping in mind the Rs. 1 crore threshold for non-callable deposits.
Comparison with Other Banks
As of July 2025, the Central Bank of India’s FD rates is competitive compared to other public sector banks like SBI and PNB. For instance, SBI offers up to 7.25% for senior citizens on 3-5 year tenures, while Central Bank of India provides 7.60% for non-callable 444/555-day deposits. Always compare rates and terms before investing.
Final Thought
The Central Bank of India’s Domestic Term Deposit Rates effective June 10, 2025, offer a compelling mix of safety, flexibility, and high returns. With rates up to 7.60% for senior citizens and specialized schemes like Cent Garima and Cent Green Deposit, investors have diverse options to grow their wealth. Whether you’re a young professional, retiree, or eco-conscious investor, these FDs are worth considering. Visit the Central Bank of India’s website or nearest branch to start your investment journey today!
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