WhatsApp Logo Join Now
13 July 2025

Fixed Deposit Interest Rate

State Bank of India Interest Rates

Last Updated: 16-06-2025

Retail Domestic Term Deposits (Below Rs. 3 Crore)

Interest Rates (% p.a.)

Tenors

General Public (Existing w.e.f. 16/05/2025)

General Public (Revised w.e.f. 15/06/2025)

Senior Citizen (Existing w.e.f. 16/05/2025)

Senior Citizen (Revised w.e.f. 15/06/2025)

7 days to 45 days

3.30

3.05

3.80

3.55

46 days to 179 days

5.30

5.05

5.80

5.55

180 days to 210 days

6.05

5.80

6.55

6.30

211 days to less than 1 year

6.30

6.05

6.80

6.55

1 year to less than 2 years

6.50

6.25

7.00

6.75

2 years to less than 3 years

6.70

6.45

7.20

6.95

3 years to less than 5 years

6.55

6.30

7.05

6.80

5 years and up to 10 years

6.30

6.05

7.30*

7.05*

*Includes additional 50 bps under “SBI We-care” deposit scheme.

Non-Callable Term Deposit Retail (Rs. 1.01 Cr to less than Rs. 3 Cr)

Tenors

General Public

Senior Citizen

1 Year

0.30% above Card Rate (6.55%)

7.05%

2 Years

0.40% above Card Rate (6.85%)

7.35%

Amrit Vrishti Scheme (444 days)

  • Revised from 6.85% to 6.60% w.e.f. 15/06/2025.
  • Senior Citizens and Super Senior Citizens eligible for additional benefits.

SBI Patrons

  • Super Senior Citizens (80 years and above): Additional 10 bps over Senior Citizen rates.
  • Not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme, and Non-Callable Term Deposits.

SBI Green Rupee Term Deposit

  • Available for tenors: 1111, 1777, 2222 days.
  • Rate: 10 bps below Card Rate.

Domestic Bulk Term Deposits (Rs. 3 Crore and above)

Interest Rates (% p.a.)

Tenors

Existing Rates (w.e.f. 17/05/2025)

Revised Rates (w.e.f. 15/06/2025)
 

Public

Senior Citizen

7 days to 14 days

4.75

5.25

15 days to 45 days

5.25

5.75

46 days to 179 days

5.75

6.25

180 days to 210 days

6.00

6.50

211 days to less than 1 year

6.00

6.50

1 year to less than 2 years

6.50

7.00

2 years to less than 3 years

6.40

6.90

3 years to less than 5 years

6.25

6.75

5 years and up to 10 years

6.25

6.75

 Notes

  • Revised rates apply to fresh deposits and renewals.
  • Premature penalty: 1% for all tenors.
  • SBI Green Rupee Term Deposit: Available for 1111, 1777, 2222 days at 10 bps below Card Rate.

HDFC Bank Fixed Deposit Interest Rates

Deposits Less Than ₹3 Crore

Tenor Bucket

Interest Rate (p.a.)

Senior Citizen Rates (p.a.)

7 – 14 days

2.75%

3.25%

15 – 29 days

2.75%

3.25%

30 – 45 days

3.25%

3.75%

46 – 60 days

4.25%

4.75%

61 – 89 days

4.25%

4.75%

90 days ≤ 6 months

4.25%

4.75%

6 months 1 day ≤ 9 months

5.50%

6.00%

9 months 1 day to < 1 year

5.75%

6.25%

1 year to < 15 months

6.25%

6.75%

15 months to < 18 months

6.35%

6.85%

18 months to < 21 months

6.60%

7.10%

21 months – 2 years

6.45%

6.95%

2 years 1 day to < 2 years 11 months

6.45%

6.95%

2 years 11 months – 35 months

6.45%

6.95%

2 years 11 months 1 day ≤ 3 years

6.45%

6.95%

3 years 1 day to < 4 years 7 months

6.40%

6.90%

4 years 7 months – 55 months

6.40%

6.90%

4 years 7 months 1 day ≤ 5 years

6.40%

6.90%

5 years 1 day – 10 years

6.15%

6.65%

Deposits ₹3 Crore to < ₹5 Crore

Tenor Bucket

Interest Rate (p.a.)

Senior Citizen Rates (p.a.)

7 – 14 days

4.00%

4.50%

15 – 29 days

4.00%

4.50%

30 – 45 days

4.75%

5.25%

46 – 60 days

5.00%

5.50%

61 – 89 days

5.25%

5.75%

90 days ≤ 6 months

5.75%

6.25%

6 months 1 day ≤ 9 months

5.90%

6.40%

9 months 1 day to < 1 year

6.00%

6.50%

1 year to < 15 months

6.15%

6.65%

15 months to < 18 months

6.15%

6.65%

18 months to < 21 months

6.15%

6.65%

21 months to 2 years

6.15%

6.65%

2 years 1 day to 3 years

6.25%

6.75%

3 years 1 day to 5 years

6.35%

6.85%

5 years 1 day to 10 years

6.15%

6.65%

Deposits ≥ ₹5 Crore (Withdrawable)

Period

₹5 Cr to < ₹5.25 Cr

≥ ₹5.25 Cr to < ₹5.50 Cr

≥ ₹5.50 Cr to < ₹24.75 Cr

≥ ₹24.75 Cr to < ₹25 Cr

≥ ₹25 Cr to < ₹50 Cr

≥ ₹50 Cr to < ₹100 Cr

≥ ₹100 Cr to < ₹200 Cr

≥ ₹200 Cr to < ₹500 Cr

≥ ₹500 Cr to < ₹1000 Cr

≥ ₹1000 Cr

7 – 14 days

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

15 – 29 days

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

30 – 45 days

4.75%

4.00%

4.75%

4.00%

4.75%

4.75%

4.75%

4.75%

4.75%

4.75%

46 – 60 days

5.00%

4.00%

5.00%

4.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

61 – 88 days

5.25%

4.00%

5.25%

4.00%

5.25%

5.25%

5.25%

5.25%

5.25%

5.25%

89 days ≤ 120 days

5.75%

4.00%

5.75%

4.00%

5.75%

5.75%

5.75%

5.75%

5.75%

5.75%

121 days ≤ 150 days

5.75%

4.00%

5.75%

4.00%

5.75%

5.75%

5.75%

5.75%

5.75%

5.75%

151 days ≤ 6 months

5.75%

4.00%

5.75%

4.00%

5.75%

5.75%

5.75%

5.75%

5.75%

5.75%

6 months 1 day ≤ 9 months

5.90%

4.00%

5.90%

4.00%

5.90%

5.90%

5.90%

5.90%

5.90%

5.90%

9 months 1 day to < 1 year

6.00%

4.25%

6.00%

4.25%

6.00%

6.00%

6.00%

6.00%

6.00%

6.00%

1 year to < 15 months

6.15%

4.25%

6.15%

4.25%

6.15%

6.15%

6.15%

6.15%

6.15%

6.15%

15 months to < 18 months

6.15%

4.25%

6.15%

4.25%

6.15%

6.15%

6.15%

6.15%

6.15%

6.15%

18 months to < 21 months

6.15%

4.25%

6.15%

4.25%

6.15%

6.15%

6.15%

6.15%

6.15%

6.15%

21 months to 2 years

6.15%

4.25%

6.15%

4.25%

6.15%

6.15%

6.15%

6.15%

6.15%

6.15%

2 years 1 day to 3 years

6.25%

4.25%

6.25%

4.25%

6.25%

6.25%

6.25%

6.25%

6.25%

6.25%

3 years 1 day to 5 years

6.35%

4.25%

6.35%

4.25%

6.35%

6.35%

6.35%

6.35%

6.35%

6.35%

5 years 1 day to 10 years

6.15%

4.25%

6.15%

4.25%

6.15%

6.15%

6.15%

6.15%

6.15%

6.15%

 Effective from 25th June 2025 for deposits < ₹3 Cr, 18th June 2025 for deposits ₹3 Cr to < ₹5 Cr, and 23rd June 2025 for deposits ≥ ₹5 Cr.

Note: Senior Citizen Rates do not apply to NRIs. Minimum tenor for NRE Deposit is 1 Year. Interest rates are subject to change without prior notice. Tax at source is deducted as per Income Tax regulations. For terms and conditions, contact your nearest HDFC Bank Branch/Relationship Manager.

Notes :

  1. Rates are for fresh fixed deposits and subject to change without prior notice.
  2. Contact your nearest HDFC Bank Branch/Relationship Manager for terms and conditions.
  3. Verify rates on the value date of the fixed deposit.
  4. Tax at source is deducted as per prevailing Income Tax regulations.

ICICI Bank Fixed Deposit Interest Rates

Deposits Less Than ₹3 Crore (With Premature Withdrawal)

Tenure

General Citizen

Senior Citizen

7 to 45 Days

2.75%

3.25%

46 to 90 Days

4.00%

4.50%

91 to 184 Days

4.50%

5.00%

185 to < 1 Year

5.50%

6.00%

1 Year to < 18 Months

6.25%

6.75%

18 Months to 2 Years

6.40%

6.90%

2 Years 1 Day to 10 Years

6.60%

7.10%

5 Years (Tax Saver FD)

6.60%

7.10%

Deposits ₹3 Crore to < ₹5 Crore

Tenure

With Premature Withdrawal

Without Premature Withdrawal
 

General

Senior

7 to 29 Days

3.75%

3.75%

30 to 45 Days

4.50%

4.50%

46 to 60 Days

4.75%

4.75%

61 to 90 Days

5.00%

5.00%

91 to 120 Days

5.25%

5.25%

121 to 184 Days

5.25%

5.25%

185 to 270 Days

5.50%

6.00%

271 Days to < 1 Year

5.50%

6.00%

1 Year to 389 Days

6.25%

6.75%

390 Days to < 15 Months

6.25%

6.75%

15 Months to < 18 Months

6.25%

6.75%

18 Months to 2 Years

6.40%

6.90%

2 Years 1 Day to 5 Years

6.60%

7.10%

5 Years 1 Day to 10 Years

6.60%

7.10%

Deposits ₹5 Crore to < ₹5.10 Crore

Tenure

With Premature Withdrawal

Without Premature Withdrawal
 

General

Senior

7 to 29 Days

3.75%

3.75%

30 to 45 Days

4.00%

4.50%

46 to 60 Days

4.00%

4.75%

61 to 90 Days

4.00%

5.00%

91 to 120 Days

4.00%

5.25%

121 to 184 Days

4.00%

5.25%

185 to 270 Days

4.00%

6.00%

271 Days to < 1 Year

4.25%

6.00%

1 Year to 389 Days

4.25%

6.75%

390 Days to < 15 Months

4.25%

6.75%

15 Months to < 18 Months

4.25%

6.75%

18 Months to 2 Years

4.25%

6.90%

2 Years 1 Day to 5 Years

4.25%

7.10%

5 Years 1 Day to 10 Years

4.25%

7.10%

Notes:

  • Rate Changes: Subject to change without notice; revised rates apply to new and renewed FDs.
  • TDS: Interest payouts subject to Tax Deducted at Source per Income Tax Laws.
  • Account Conversion: Non-Resident to Resident accounts follow Resident Deposit rates.
  • NRE Rates: Applicable for tenures of 1 year or more.
  • Senior Citizen Rates: Apply only to Domestic Fixed Deposits.
  • Premature Withdrawal Penalty (Domestic, NRO, NRE): Interest calculated at the rate applicable when the FD was opened for the period held, not the contracted rate.
    Example: FD opened Jan 01, 2024, for 2 years at 7.25%, withdrawn Jan 01, 2025; interest calculated at 6.70% (1-year rate on Jan 01, 2024).

Bank of Baroda Fixed Deposits Interest Rates

Fixed Deposits (Callable)

Domestic Term Deposits including NRO Deposits below ₹3.00 Crores [Fresh & Renewal] (w.e.f. 12-06-2025)

Tenors

Residents / General Public

Resident Indian Sr. Citizen

Resident Super Senior Citizen

7 days to 14 days

3.50

4.00*

4.00*

15 days to 45 days

3.50

4.00*

4.00*

46 days to 90 days

5.00

5.50*

5.50*

91 days to 180 days

5.00

5.50*

5.50*

181 days to 210 days

5.50

6.00*

6.00*

211 days to 270 days

5.75

6.25*

6.25*

271 days & above and less than 1 year

6.00

6.50*

6.50*

1 year

6.50

7.00*

7.00*

Above 1 year to 400 days

6.50

7.00*

7.10 $

Above 400 days and upto 2 Years (except 444 Days)

6.50

7.00*

7.10 $

Above 2 Years and upto 3 Years

6.50

7.00*

7.10 $

Above 3 Years and upto 5 Years

6.40

7.00 #

7.10 $

Above 5 Years and upto 10 Years

6.00

7.00**

7.00**

Above 10 years (MACAD only)

5.50

6.00*

6.00*

bob Square Drive Deposit Scheme (444 Days)

6.60

7.10*

7.20$

Notes:

  • *Includes additional ROI 0.50% for RTD up to 3 Years and Above 10 Years.
  • #Includes additional ROI of 0.50+0.10 for RTD above 3 Years and up to 5 Years (w.e.f. 05.05.2025).
  • **Includes additional ROI of 0.50%+0.50% for RTD above 5 Years and up to 10 Years for Resident Senior Citizens.
  • $Includes 0.10% for Resident Super Senior Citizens for Deposits above 1 year and up to 5 years.

BoB earth Green Term Deposits – Domestic & NRO Deposits below ₹3.00 Crores [Fresh & Renewal] (w.e.f. 12-06-2025)

Tenure of Green Deposit

Resident/General Public/NRO/NRE

Resident Indian Sr. Citizen

Resident Indian Super Sr. Citizen

12 months

6.45

6.95*

6.95*

1.5 years

6.45

6.95*

7.05*

777 days

6.45

6.95*

7.05*

1111 days

6.35

6.95#

7.05#

1717 days

6.35

6.95#

7.05#

2201 days

5.95

6.95**

6.95**

Notes:

  • *Includes additional ROI 0.50% for RTD up to 3 Years.
  • #Includes additional ROI of 0.50+0.10 for RTD above 3 Years and up to 5 Years (w.e.f. 14.10.2024).
  • **Includes additional ROI of 0.50%+0.50% for RTD above 5 Years and up to 10 Years for Resident Senior Citizens.

Domestic Term Deposits & NRO Deposits ₹3.00 Crores to ₹10.00 Crores [Fresh & Renewal] (w.e.f. 08.07.2025)

TENOR

₹3.00 Crs to ₹4.00 Crs

₹4.00 Crs to ₹5.00 Crs

₹5.00 Crs to ₹6.00 Crs

₹6.00 Crs to ₹7.00 Crs

₹7.00 Crs to ₹8.00 Crs

₹8.00 Crs to ₹9.00 Crs

₹9.00 Crs to ₹10.00 Crs

7D to 14D

3.50

3.50

3.50

3.50

3.50

3.50

3.50

15D to 45D

3.75

3.75

3.75

3.75

3.75

3.75

3.75

46D to 90D

5.50

4.25

5.50

4.25

4.25

4.25

4.25

91D to 180D

4.75

4.75

4.75

4.75

4.75

4.75

4.75

181D to 210D

5.50

5.50

5.50

5.50

5.50

5.50

5.50

211D to 270D

5.50

5.50

5.50

5.50

5.50

5.50

5.50

271D to <1Y

5.75

5.75

5.75

5.75

5.75

5.75

5.75

1 Year

6.25

6.25

6.25

6.25

6.25

6.25

6.25

Above 1Y to 15M

6.00

6.00

6.00

6.00

6.00

6.00

6.00

Above 15M to 2Y

6.00

6.00

6.00

6.00

6.00

6.00

6.00

Above 2Y to 3Y

5.50

5.50

5.50

5.50

5.50

5.50

5.50

Above 3Y to 5Y

5.00

5.00

5.00

5.00

5.00

5.00

5.00

Above 5Y to 10Y

4.50

4.50

4.50

4.50

4.50

4.50

4.50

Note:

  • Bulk Deposit rates are indicative. For latest rates, contact the nearest branch.

Domestic NRE Term Deposits ₹3.00 Crores to ₹10.00 Crores [Fresh & Renewal] (w.e.f. 08.07.2025)

TENOR

₹3.00 Crs to ₹4.00 Crs

₹4.00 Crs to ₹5.00 Crs

₹5.00 Crs to ₹6.00 Crs

₹6.00 Crs to ₹7.00 Crs

₹7.00 Crs to ₹8.00 Crs

₹8.00 Crs to ₹9.00 Crs

₹9.00 Crs to ₹10.00 Crs

1 Year

6.25

6.25

6.25

6.25

6.25

6.25

6.25

Above 1Y to 15M

6.00

6.00

6.00

6.00

6.00

6.00

6.00

Above 15M to 2Y

6.00

6.00

6.00

6.00

6.00

6.00

6.00

Above 2Y to 3Y

5.50

5.50

5.50

5.50

5.50

5.50

5.50

Above 3Y to 5Y

5.00

5.00

5.00

5.00

5.00

5.00

5.00

Above 5Y to 10Y

4.50

4.50

4.50

4.50

4.50

4.50

4.50

Note:

  • Bulk Deposit rates are indicative. For latest rates, contact the nearest branch.

NRE Term (Rupee) Deposits Below ₹3.00 Crore [Fresh & Renewal] (w.e.f. 12-06-2025)

Tenors

ROI (%)

1 year

6.50

Above 1 year to 400 days

6.50

Above 400 days and up to 2 Years (except 444 Days)

6.50

Above 2 Years and up to 3 Years

6.50

Above 3 Years and up to 5 Years

6.40

Above 5 Years and up to 10 Years

6.00

bob Square Drive Deposit Scheme (444 Days)

6.60

BOB earth Green Term Deposits – NRE Term Deposits ₹3.00 Crores to ₹10.00 Crores [Fresh & Renewal] (w.e.f. 08-07-2025)

BUCKET

₹3.00 Crs to ₹4.00 Crs

₹4.00 Crs to ₹5.00 Crs

₹5.00 Crs to ₹6.00 Crs

₹6.00 Crs to ₹7.00 Crs

₹7.00 Crs to ₹8.00 Crs

₹8.00 Crs to ₹9.00 Crs

₹9.00 Crs to ₹10.00 Crs

1 Year (12 months)

6.20

6.20

6.20

6.20

6.20

6.20

6.20

1.5 years (18 months)

5.95

5.95

5.95

5.95

5.95

5.95

5.95

777 days

5.45

5.45

5.45

5.45

5.45

5.45

5.45

1111 days

4.95

4.95

4.95

4.95

4.95

4.95

4.95

1717 days

4.95

4.95

4.95

4.95

4.95

4.95

4.95

2201 days

4.45

4.45

4.45

4.45

4.45

4.45

4.45

Additional Notes

  • Capital Gain Account Scheme, 1988: Interest rates as per normal time & period. No higher/differential rates offered.
  • Premature Withdrawal (at Bank’s Discretion):
    • No penalty for deposits up to ₹5 lacs if held for at least 12 months.
    • For deposits not held for 12 months or above ₹5 lacs but less than ₹1 crore, 1% penalty deducted from applicable or contracted rate, whichever is lower.
    • For deposits ≥₹1 crore, premature closure requires 31 days’ prior notice, with 1.5% penalty on applicable or contracted rate, whichever is lower.
  • NRE Term Deposits:
    • Minimum term of one year.
    • No interest if pre-closed before one year.
  • FCNR Deposits:
    • Minimum 12 months, interest paid on maturity.
    • No interest if held less than 12 months.
    • For premature withdrawal (≥12 months), 1.00% less than the applicable rate for the period held or at withdrawal, whichever is lower.

Punjab National Bank Fixed Deposit Interest Rates

Interest Rates (w.e.f. 18.06.2025)

Domestic/NRO Fixed Deposit Scheme

Sl. No

Period

Public (% p.a.)

Senior Citizens* (% p.a.)

Super Senior Citizens# (% p.a.)

1

7 to 14 Days

3.25

3.75

4.05

2

15 to 29 Days

3.25

3.75

4.05

3

30 to 45 Days

3.25

3.75

4.05

4

46 to 60 Days

4.50

5.00

5.30

5

61 to 90 Days

4.50

5.00

5.30

6

91 to 179 Days

4.90

5.40

5.70

7

180 to 270 Days

5.80

6.30

6.60

8

271 Days to 302 Days

6.00

6.50

6.80

9

303 Days

5.90

6.40

6.70

10

304 Days to < 1 Year

6.00

6.50

6.80

11

1 Year

6.40

6.90

7.20

12

> 1 Year to 389 Days

6.40

6.90

7.20

13

390 Days

6.70

7.20

7.50

14

391 Days to 505 Days

6.40

6.90

7.20

15

506 Days**

6.30

6.80

7.10

16

507 Days to 2 Years

6.40

6.90

7.20

17

> 2 Years to 3 Years

6.40

6.90

7.20

18

> 3 Years to 1203 Days

6.50

7.00

7.30

19

1204 Days**

6.40

6.90

7.20

20

1205 Days to 5 Years

6.50

7.00

7.30

21

> 5 Years to 1894 Days

6.00

6.80

6.80

22

1895 Days**

5.85

6.65

6.65

23

1896 Days to 10 Years

6.00

6.80

6.80

 

PNB Uttam (Non-Callable) Fixed Deposit Scheme (Deposits > Rs. 1 Crore to < Rs. 3 Crore)

Sl. No

Period

Public (% p.a.)

Senior Citizens* (% p.a.)

Super Senior Citizens# (% p.a.)

1

91 to 179 Days

4.95

5.45

5.75

2

180 to 270 Days

5.85

6.35

6.65

3

271 Days to 302 Days

6.05

6.55

6.85

4

303 Days**

5.95

6.45

6.75

5

304 Days to < 1 Year

6.05

6.55

6.85

6

1 Year

6.45

6.95

7.25

7

> 1 Year to 389 Days

6.45

6.95

7.25

8

390 Days

6.75

7.25

7.55

9

391 Days to 505 Days

6.45

6.95

7.25

10

506 Days**

6.35

6.85

7.15

11

507 Days to 2 Years

6.45

6.95

7.25

12

> 2 Years to 3 Years

6.45

6.95

7.25

13

> 3 Years to 1203 Days

6.55

7.05

7.35

14

1204 Days**

6.45

6.95

7.25

15

1205 Days to 5 Years

6.55

7.05

7.35

16

> 5 Years to 1894 Days

6.05

6.85

6.85

17

1895 Days**

5.90

6.70

6.70

18

1896 Days to 10 Years

6.05

6.85

6.85

 

Domestic Fixed Deposit Scheme (Rs. 3 Crore to Rs. 10 Crore)

Sl. No

Period

Existing Rates (01.06.2025)

Revised Rates (18.06.2025)

PNB Uttam Existing Rates (01.06.2025)

PNB Uttam Revised Rates (18.06.2025)

1

7 to 14 Days

5.25

4.50

NA

NA

2

15 to 29 Days

5.25

5.00

NA

NA

3

30 to 45 Days

5.25

5.00

NA

NA

4

46 to 60 Days

5.50

5.00

NA

NA

5

61 to 90 Days

5.50

5.00

NA

NA

6

91 to 179 Days

5.50

5.00

5.55

5.05

7

180 to 270 Days

6.00

5.80

6.05

5.85

8

271 Days to 302 Days

6.25

6.00

6.30

6.05

9

303 Days**

6.15

5.90

6.20

5.95

10

304 Days to < 1 Year

6.25

6.00

6.30

6.05

11

1 Year

6.70

6.40

6.75

6.45

12

> 1 Year to 389 Days

6.70

6.40

6.75

6.45

13

390 Days

6.80

6.70

6.85

6.75

14

391 Days to 505 Days

6.70

6.40

6.75

6.45

15

506 Days**

6.60

6.30

6.65

6.35

16

507 Days to 2 Years

6.70

6.40

6.75

6.45

17

> 2 Years to 3 Years

6.50

6.40

6.55

6.45

18

> 3 Years to 1203 Days

6.25

6.00

6.30

6.05

19

1204 Days**

6.15

5.90

6.20

5.95

20

1205 Days to 5 Years

6.25

6.00

6.30

6.05

21

> 5 Years to 1894 Days

5.60

5.60

5.65

5.65

22

1895 Days**

5.45

5.45

5.50

5.50

23

1896 Days to 10 Years

5.60

5.60

5.65

5.65

 

PNB Tax Saver Fixed Deposit Scheme (w.e.f. 10.04.2025)

Period

Public (General) Existing (10.06.2024)

Public (General) Revised (10.04.2025)

Sr. Citizen (General) Existing (10.06.2024)

Sr. Citizen (General) Revised (10.04.2025)

Staff Members Existing (10.06.2024)

Staff Members Revised (10.04.2025)

Retired Staff* (Sr. Citizen) Existing (10.06.2024)

Retired Staff* (Sr. Citizen) Revised (10.04.2025)

5 Years

6.50

6.25

7.00

6.75

7.50

7.25

7.50

7.25

> 5 Years to 1894 Days

6.50

6.00

7.00

6.50

7.50

7.00

7.50

7.00

1895 Days

6.35

5.85

6.85

6.35

7.35

6.85

7.35

6.85

1896 Days to 10 Years

6.50

6.00

7.00

6.50

7.50

7.00

7.50

7.00

Notes

  • *Senior Citizen: Age 60 years to < 80 years.
  • #Super Senior Citizen: Age 80 years and above.
  • **Additional rate for Senior Citizens not applicable for NRO deposits.
  • **1204 days and 1895 days buckets under PNB Palaash scheme commemorate the bank’s foundation day (12th April 1895).
  • Senior Citizens (60 to <80 years): Additional 50 bps for deposits up to 5 years, 80 bps for >5 years (< Rs. 3 Crore). Retired staff Senior Citizens: Max 150 bps up to 5 years, 180 bps for >5 years.
  • Super Senior Citizens (≥80 years): Additional 80 bps across all buckets. Retired staff Super Senior Citizens: Max 180 bps across all buckets.
  • Interest calculation: 365 days/year unless specified.
  • Deposits accepted up to 10 years. For regulatory/statutory/legal orders, deposits >10 years may be accepted at 10-year rate.
  • Rs. 3 Crore to Rs. 10 Crore deposits: No additional interest for Senior Citizens or staff accounts.
  • PNB Tax Saver Fixed Deposit: Max 100 bps over applicable card rates for staff/retired staff (including Senior/Super Senior Citizens).

Canara Bank Fixed Deposit Interest Rates

 

Domestic Term Deposits (Less than Rs.3 Crore w.e.f. 09.06.2025)

Term Deposits (All Maturities)

Callable

  

Non-Callable (Above Rs.1 Crore)

  
 

General Public

Senior Citizen

General Public

Senior Citizen
 

Rate of Interest (% p.a.)

Annualised Interest Yield (% p.a.)

Rate of Interest (% p.a.)

Annualised Interest Yield (% p.a.)

7 Days to 45 Days

3.50

3.55%

3.50

3.55%

46 Days to 90 Days

4.50

4.58%

4.50

4.58%

91 Days to 179 Days

4.75

4.84%

4.75

4.84%

180 Days to 269 Days

5.75

5.88%

6.25

6.40%

270 Days to < 1 Year

6.00

6.14%

6.50

6.66%

1 Year to 1 Year 3 Months

6.50

6.66%

7.00

7.19%

444 Days

6.60

6.77%

7.10

7.29%

> 1 Year 3 Months to < 2 Years

6.50

6.66%

7.00

7.19%

2 Years to < 3 Years

6.50

6.66%

7.00

7.19%

3 Years to < 5 Years

6.50

6.66%

7.00

7.19%

5 Years to 10 Years

6.50

6.66%

7.00

7.19%

 Notes:

  • Non-callable deposits: Premature withdrawal not permitted.
  • Minimum deposit: Rs.5 Lakh for rates above; below Rs.5 Lakh, minimum tenor is 15 days.
  • Senior Citizen: Additional 0.50% for deposits (except NRO/NRE and CGA) < Rs.3 Cr, tenor ≥ 180 days.
  • Super Senior Citizen (80+ years): Additional 0.60% for Canara-444 (7.20% callable, 7.30% non-callable).
  • Canara Tax Saver Deposit: 6.50% p.a. for General Public, max deposit Rs.1.50 Lakh.
  • Annualised Yield: Based on quarterly compounding (Kamadhenu Deposit).
  • Rates applicable to Recurring Deposits.

Auto Renewal Facility

  • Deposits auto-renewed on maturity for similar period at prevailing rate (except Canara Tax Saver, Capital Gains, Court Deposits, Non-KYC, Canara Samriddhi, CanaraKhazana, CanaraShikhar, Canara Unique, CanaraAmrit, Non-callable).

Penalty

  • Premature closure/part withdrawal/extension (Domestic/NRO, < Rs.3 Cr, on/after 12.03.2019): 1.00% penalty. Interest at 1.00% below applicable rate for period run or contracted rate, whichever lower.
  • No interest if closed/extended before 7 days.
  • Penalty waived for premature extension of Domestic/NRO deposits < Rs.3 Cr for longer tenor.

Overdue Deposits

  • Unclaimed matured deposits earn interest at savings account rate or contracted rate, whichever lower.

 

Bulk Deposits (Callable, w.e.f. 10.07.2025)

Period of Deposit

Rate of Interest (% p.a.) for Amount Slabs (Rs.)

3 Cr to <10 Cr

7 Days to 30 Days

4.75

31 Days to 45 Days

5.00

46 Days to 90 Days

5.25

91 Days to 120 Days

5.50

121 Days to 179 Days

5.60

180 Days to 269 Days

6.00

270 Days to < 1 Year

6.10

1 Year Only

6.25

>1 Year to 1 Yr 3 M

6.25

>1 Yr 3 M to < 2 Yrs

6.25

2 Yrs to < 3 Yrs

5.50

3 Yrs to < 5 Yrs

5.00

5 Yrs to 10 Yrs

5.00

 

Bulk Deposits (Non-Callable, w.e.f. 10.07.2025)

Period of Deposit

Rate of Interest (% p.a.) for Amount Slabs (Rs.)
 

3 Cr to <10 Cr

7 Days to 30 Days

NA

31 Days to 45 Days

NA

46 Days to 90 Days

5.28

91 Days to 120 Days

5.53

121 Days to 179 Days

5.63

180 Days to 269 Days

6.03

270 Days to < 1 Year

6.13

1 Year Only

6.28

>1 Year to 1 Yr 3 M

6.28

>1 Yr 3 M to < 2 Yrs

6.28

2 Yrs to < 3 Yrs

5.53

3 Yrs to < 5 Yrs

5.03

5 Yrs to 10 Yrs

5.03

 

Bulk Green Deposits

Period of Deposit

Callable (Rs.3 Cr & above)

Non-Callable (Rs.3 Cr & above)

1111 Days

4.95

5.00

2222 Days

4.95

5.00

3333 Days

4.95

5.00

 Notes:

  • Bulk Deposits ≥ Rs.10 Cr: Contact nearest branch for rates.
  • Penalty for Bulk Deposits (≥ Rs.3 Cr): Waived for premature closure/part withdrawal/extension of callable deposits on/after 12.03.2019. Interest at applicable rate for amount slab or contracted rate, whichever lower. Penalty of 1.00% for deposits of Rs.1 Cr & above (04.02.2011 to 12.10.2012).
  • No interest if closed/extended before 7 days.
  • Non-callable: No premature withdrawal or auto-renewal. Not accepted for < 46 days (Domestic/NRO), < 1 year (NRE), or ≥ 3 years (Rs.1 Cr to < Rs.3 Cr).

 

Non-Resident Accounts (w.e.f. 10.07.2025)

  1. NRO Term Deposits
  • Same as Domestic Term Deposits.
  1. NRE Term Deposits

Period of Deposit

Callable

  

Non-Callable

  
 

< Rs.3 Cr (w.e.f. 09.06.2025)

Rs.3 Cr to < Rs.10 Cr (w.e.f. 10.07.2025)

> Rs.1 Cr to < Rs.3 Cr (w.e.f. 09.06.2025)

Rs.3 Cr to < Rs.10 Cr (w.e.f. 10.07.2025)
 

Rate of Interest (% p.a.)

Annualised Interest Yield (% p.a.)

Rate of Interest (% p.a.)

Annualised Interest Yield (% p.a.)

1 Year Only

NA

NA

6.25

6.40%

1 Yr to 1 Yr 3 M

6.50

6.66%

NA

NA

444 Days

6.60

6.77%

NA

NA

>1 Yr 3 M to < 2 Yrs

6.50

6.66%

NA

NA

>1 Yr to < 2 Yrs

NA

NA

6.25

6.40%

2 Yrs to < 3 Yrs

6.50

6.66%

5.50

5.61%

3 Yrs to < 5 Yrs

6.50

6.66%

5.00

5.09%

5 Yrs to 10 Yrs

6.50

6.66%

5.00

5.09%

 Notes:

  • Penalty (NRE, < Rs.3 Cr): 1.00% for premature closure on/after 12.03.2019. No penalty for ≥ Rs.3 Cr on/after 12.03.2019. Penalty of 1.00% for Rs.1 Cr & above (29.12.2011 to 12.10.2012).
  • No interest for NRE deposits closed/extended before 1 year.
  • Auto Renewal (NRE): Only once, as non-resident status must be confirmed. Overdue NRE deposits earn savings account rate from maturity till payment/re-investment.
  • 444 Days Scheme: Special retail term deposit for Domestic/NRO/NRE, w.e.f. 05.04.2023.
  • Annualised Yield: Based on quarterly compounding (Kamadhenu Deposit).

Central Bank of India Fixed Deposit Interest Rates

Effective from 10.07.2025

Deposits Less Than Rs. 3 Crore

Maturity Period

General Public

Senior Citizen
 

Rates

Annualised Yield

7 – 14 days

3.50%

3.50%

15 – 30 days

3.75%

3.75%

31 – 45 days

3.75%

3.75%

46 – 59 days

4.50%

4.50%

60 – 90 days

4.50%

4.50%

91 – 179 days

5.00%

5.00%

180 – 270 days

5.50%

5.61%

271 – 364 days

5.50%

5.61%

1 yr to < 2 yrs

6.60%

6.77%

2 yr to < 3 yrs

6.70%

6.87%

3 yr to < 5 yrs

6.50%

6.66%

5 yrs & above up to 10 yrs

6.50%

6.66%

 

Deposits Rs. 3 Cr to Rs. 10 Cr

Maturity Period

General Public

Senior Citizen
 

Rates

Annualised Yield

7 – 14 days

4.50%

4.50%

15 – 30 days

4.50%

4.50%

31 – 45 days

4.50%

4.50%

46 – 59 days

5.00%

5.00%

60 – 90 days

5.25%

5.25%

91 – 179 days

5.25%

5.25%

180 – 270 days

5.50%

5.61%

271 – 364 days

5.50%

5.61%

1 yr to < 2 yrs

6.60%

6.77%

2 yr to < 3 yrs

6.70%

6.87%

3 yr to < 5 yrs

6.50%

6.66%

5 yrs & above up to 10 yrs

6.50%

6.66%

 

Special Term Deposit Interest Rates (% per annum) Callable

Period (days)

General Public

Senior Citizen
 

Rates

Annualised Yield

444

6.70%

6.87%

555

6.70%

6.87%

999

6.50%

6.66%

 

Non-Callable (Deposits above Rs. 1 Cr)

Period (days)

General Public

Senior Citizen
 

Rates

Annualised Yield

444

6.80%

6.98%

555

6.80%

6.98%

999

6.60%

6.77%

 

Cent Garima Deposit Scheme

Period (days)

General Public

Senior Citizen
 

Rates

Annualised Yield

777

6.70%

6.87%

 

Cent Green Deposit

Period (days)

General Public

Senior Citizen
 

Rates

Annualised Yield

1111

6.75%

6.92%

2222

7.00%

7.19%

3333

7.00%

7.19%

 

Cent Floating Deposit

Period

General Public

Senior Citizen
 

Rates

Annualised Yield

1 yr to < 2 yrs

5.80%

5.93%

2 yr to < 3 yrs

5.85%

5.98%

Notes

  1. Senior citizens (above 60 years) receive an additional 0.50% p.a. on Time Deposit Schemes and Tax Saver Depositors Scheme.
  2. Non-callable scheme additional rates:
    • Senior Citizen: 0.50%
    • Super Senior Citizen (80+ years): 0.75%
    • Staff: 1%
    • Senior Citizen Ex-Staff: 1.50%
    • Super Senior Citizen Ex-Staff: 1.75%
  3. Premature withdrawal incurs a 1% penalty, regardless of amount.
  4. No penalty for premature renewal if renewed for a period longer than the remaining original contract.
  5. Non-callable deposits generally do not allow premature withdrawal; if allowed under exceptions, treated as callable term deposits.
  6. Revised rates apply to Capital Gains Accounts Scheme, 1988.
  7. Rates apply to fresh deposits and renewals.
  8. Deposit rates for above Rs. 10 Cr available from Treasury Department CO.

Axis Bank Fixed Deposit Interest Rates

Domestic Deposits (Less than ₹5 Crores) – w.e.f. 12th June 2025

Maturity Period

General (< ₹3 Cr)

General (₹3 Cr – < ₹5 Cr)

Senior Citizens (< ₹3 Cr)

Senior Citizens (₹3 Cr – < ₹5 Cr)

7 – 14 days

3.00%

4.00%

3.50%

4.50%

15 – 29 days

3.00%

4.00%

3.50%

4.50%

30 – 45 days

3.25%

5.00%

3.75%

5.50%

46 – 60 days

4.00%

5.10%

4.50%

5.60%

61 days – 87 days

4.00%

5.35%

4.50%

5.85%

88 days – 3 months 24 days

4.50%

5.80%

5.00%

6.30%

3 months 25 days < 4 months

4.50%

4.25%

5.00%

4.75%

4 months < 6 months

4.50%

5.80%

5.00%

6.30%

6 months < 9 months

5.50%

6.05%

6.00%

6.55%

9 months < 1 year

5.75%

6.15%

6.25%

6.65%

1 year – 1 year 10 days

6.25%

6.30%

6.75%

6.80%

1 year 11 days < 13 months

6.25%

6.30%

6.75%

6.80%

13 months < 15 months

6.25%

6.30%

6.75%

6.80%

15 months < 18 months

6.60%

6.50%

7.10%

7.00%

18 months < 2 years

6.60%

6.50%

7.10%

7.00%

2 years < 3 years

6.50%

6.50%

7.00%

7.00%

3 years < 5 years

6.50%

6.50%

7.00%

7.00%

5 years to 10 years

6.50%

6.50%

7.25%

7.25%

Disclaimer: Clear browser history/cookies to view latest rates. Rates subject to change without notice. Contact nearest Axis Bank branch for terms. Premature withdrawal may be disallowed for deposits ≥ ₹5 Cr (except Individuals/HUF).

Domestic Deposits (₹5 Crores and Above) – w.e.f. 11th July 2025

Maturity Period

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

7 – 14 days

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

15 – 29 days

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

30 – 45 days

5.00%

5.00%

4.75%

4.75%

4.75%

4.75%

4.75%

46 – 60 days

5.10%

5.10%

5.00%

5.00%

5.00%

5.00%

5.00%

61 days – 87 days

5.35%

5.35%

5.25%

5.25%

5.25%

5.25%

5.25%

88 days – 3 months 24 days

5.80%

5.80%

5.75%

5.75%

5.75%

5.75%

5.75%

3 months 25 days < 4 months

4.25%

4.25%

4.25%

4.25%

4.25%

4.25%

4.25%

4 months < 6 months

5.80%

5.80%

5.75%

5.75%

5.75%

5.75%

5.75%

6 months < 9 months

6.05%

6.05%

5.90%

5.90%

5.90%

5.90%

5.90%

9 months < 1 year

6.15%

6.15%

6.00%

6.00%

6.00%

6.00%

6.00%

1 year – 1 year 10 days

6.30%

6.30%

6.15%

6.20%

6.30%

6.15%

6.15%

1 year 11 days < 13 months

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

13 months < 15 months

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

15 months < 18 months

6.40%

6.40%

6.15%

6.15%

6.15%

6.15%

6.15%

18 months < 2 years

6.50%

6.50%

6.15%

6.15%

6.15%

6.15%

6.15%

2 years < 3 years

6.60%

6.60%

6.25%

6.25%

6.25%

6.25%

6.25%

3 years < 5 years

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

5 years to 10 years

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

Senior Citizens Deposits (₹5 Crores and Above) – w.e.f. 11th July 2025

Maturity Period

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

7 – 14 days

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

15 – 29 days

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

30 – 45 days

5.50%

5.50%

5.25%

5.25%

5.25%

5.25%

5.25%

46 – 60 days

5.60%

5.60%

5.50%

5.50%

5.50%

5.50%

5.50%

61 days – 87 days

5.85%

5.85%

5.75%

5.75%

5.75%

5.75%

5.75%

88 days – 3 months 24 days

6.30%

6.30%

6.25%

6.25%

6.25%

6.25%

6.25%

3 months 25 days < 4 months

4.75%

4.75%

4.75%

4.75%

4.75%

4.75%

4.75%

4 months < 6 months

6.30%

6.30%

6.25%

6.25%

6.25%

6.25%

6.25%

6 months < 9 months

6.55%

6.55%

6.40%

6.40%

6.40%

6.40%

6.40%

9 months < 1 year

6.65%

6.65%

6.50%

6.50%

6.50%

6.50%

6.50%

1 year – 1 year 10 days

6.80%

6.80%

6.65%

6.70%

6.80%

6.65%

6.65%

1 year 11 days < 13 months

6.80%

6.80%

6.65%

6.65%

6.65%

6.65%

6.65%

13 months < 15 months

6.80%

6.80%

6.65%

6.65%

6.65%

6.65%

6.65%

15 months < 18 months

6.90%

6.90%

6.65%

6.65%

6.65%

6.65%

6.65%

18 months < 2 years

7.00%

7.00%

6.65%

6.65%

6.65%

6.65%

6.65%

2 years < 3 years

7.10%

7.10%

6.75%

6.75%

6.75%

6.75%

6.75%

3 years < 5 years

7.10%

7.10%

6.85%

6.85%

6.85%

6.85%

6.85%

5 years to 10 years

7.35%

7.35%

7.10%

7.10%

7.10%

7.10%

7.10%

NRI Fixed Deposits – Non-Resident External (NRE) – w.e.f. 11th July 2025

Maturity Period

Below ₹3 Cr

₹3 Cr < ₹5 Cr

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

1 year – 1 year 10 days

6.25%

6.30%

6.30%

6.30%

6.15%

6.20%

6.30%

6.15%

6.15%

1 year 11 days < 13 months

6.25%

6.30%

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

13 months < 15 months

6.25%

6.30%

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

15 months < 18 months

6.60%

6.50%

6.40%

6.40%

6.15%

6.15%

6.15%

6.15%

6.15%

18 months < 2 years

6.60%

6.50%

6.50%

6.50%

6.15%

6.15%

6.15%

6.15%

6.15%

2 years < 3 years

6.50%

6.50%

6.60%

6.60%

6.25%

6.25%

6.25%

6.25%

6.25%

3 years < 5 years

6.50%

6.50%

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

5 years to 10 years

6.50%

6.50%

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

NRI Fixed Deposits – Non-Resident Ordinary (NRO) – w.e.f. 11th July 2025

Maturity Period

Below ₹3 Cr

₹3 Cr < ₹5 Cr

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

7 – 14 days

3.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

15 – 29 days

3.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

30 – 45 days

3.25%

5.00%

5.00%

5.00%

4.75%

4.75%

4.75%

4.75%

4.75%

46 – 60 days

4.00%

5.10%

5.10%

5.10%

5.00%

5.00%

5.00%

5.00%

5.00%

61 days – 87 days

4.00%

5.35%

5.35%

5.35%

5.25%

5.25%

5.25%

5.25%

5.25%

88 days – 3 months 24 days

4.50%

5.80%

5.80%

5.80%

5.75%

5.75%

5.75%

5.75%

5.75%

3 months 25 days < 4 months

4.50%

4.25%

4.25%

4.25%

4.25%

4.25%

4.25%

4.25%

4.25%

4 months < 6 months

4.50%

5.80%

5.80%

5.80%

5.75%

5.75%

5.75%

5.75%

5.75%

6 months < 9 months

5.50%

6.05%

6.05%

6.05%

5.90%

5.90%

5.90%

5.90%

5.90%

9 months < 1 year

5.75%

6.15%

6.15%

6.15%

6.00%

6.00%

6.00%

6.00%

6.00%

1 year – 1 year 10 days

6.25%

6.30%

6.30%

6.30%

6.15%

6.20%

6.30%

6.15%

6.15%

1 year 11 days < 13 months

6.25%

6.30%

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

13 months < 15 months

6.25%

6.30%

6.30%

6.30%

6.15%

6.15%

6.15%

6.15%

6.15%

15 months < 18 months

6.60%

6.50%

6.40%

6.40%

6.15%

6.15%

6.15%

6.15%

6.15%

18 months < 2 years

6.60%

6.50%

6.50%

6.50%

6.15%

6.15%

6.15%

6.15%

6.15%

2 years < 3 years

6.50%

6.50%

6.60%

6.60%

6.25%

6.25%

6.25%

6.25%

6.25%

3 years < 5 years

6.50%

6.50%

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

5 years to 10 years

6.50%

6.50%

6.60%

6.60%

6.35%

6.35%

6.35%

6.35%

6.35%

NRI Fixed Deposits Plus (Premature Withdrawal Not Permitted) – Non-Resident External (NRE) – w.e.f. 11th July 2025

Maturity Period

₹3 Cr < ₹5 Cr

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

1 year – 1 year 10 days

6.40%

6.40%

6.40%

6.25%

6.25%

6.30%

6.25%

6.25%

1 year 11 days < 13 months

6.40%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

13 months < 15 months

6.40%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

15 months < 18 months

6.55%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

18 months < 2 years

6.55%

6.55%

6.55%

6.25%

6.25%

6.25%

6.25%

6.25%

2 years < 3 years

6.55%

6.65%

6.65%

6.35%

6.35%

6.35%

6.35%

6.35%

3 years < 5 years

6.55%

6.65%

6.65%

6.45%

6.45%

6.45%

6.45%

6.45%

5 years to 10 years

6.55%

6.65%

6.65%

6.45%

6.45%

6.45%

6.45%

6.45%

NRI Fixed Deposits Plus (Premature Withdrawal Not Permitted) – Non-Resident Ordinary (NRO) – w.e.f. 11th July 2025

Maturity Period

₹3 Cr < ₹5 Cr

₹5 Cr < ₹10 Cr

₹10 Cr < ₹25 Cr

₹25 Cr < ₹50 Cr

₹50 Cr < ₹100 Cr

₹100 Cr < ₹200 Cr

₹200 Cr < ₹500 Cr

₹500 Cr & Above

30 – 45 days

5.00%

5.00%

5.00%

4.75%

4.75%

4.75%

4.75%

4.75%

46 – 60 days

5.10%

5.10%

5.10%

5.00%

5.00%

5.00%

5.00%

5.00%

61 days – 87 days

5.35%

5.35%

5.35%

5.25%

5.25%

5.25%

5.25%

5.25%

88 days – 3 months 24 days

5.85%

5.90%

5.90%

5.85%

5.85%

5.85%

5.85%

5.85%

3 months 25 days < 4 months

5.85%

5.90%

5.90%

5.85%

5.85%

5.85%

5.85%

5.85%

4 months < 6 months

5.85%

5.90%

5.90%

5.85%

5.85%

5.85%

5.85%

5.85%

6 months < 9 months

6.15%

6.15%

6.15%

6.00%

6.00%

6.00%

6.15%

6.15%

9 months < 1 year

6.25%

6.25%

6.25%

6.10%

6.10%

6.10%

6.51%

6.51%

1 year – 1 year 10 days

6.40%

6.40%

6.40%

6.25%

6.25%

6.30%

6.25%

6.25%

1 year 11 days < 13 months

6.40%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

13 months < 15 months

6.40%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

15 months < 18 months

6.55%

6.40%

6.40%

6.25%

6.25%

6.25%

6.25%

6.25%

18 months < 2 years

6.55%

6.55%

6.55%

6.25%

6.25%

6.25%

6.25%

6.25%

2 years < 3 years

6.55%

6.65%

6.65%

6.35%

6.35%

6.35%

6.35%

6.35%

3 years < 5 years

6.55%

6.65%

6.65%

6.45%

6.45%

6.45%

6.45%

6.45%

5 years to 10 years

6.55%

6.65%

6.65%

6.45%

6.45%

6.45%

6.45%

6.45%

Domestic Floating Rate Deposits – MIBOR Linked – w.e.f. 10th October 2024

Maturity Period

Interest Rates (p.a.)

7 days to 29 days

Overnight MIBOR – 1.65%

30 days to 45 days

Overnight MIBOR – 0.90%

46 days to 60 days

Overnight MIBOR – 0.65%

61 days < 3 months

Overnight MIBOR – 0.40%

3 months < 6 months

Overnight MIBOR + 0.10%

6 months < 9 months

Overnight MIBOR + 0.35%

9 months < 1 year

Overnight MIBOR + 0.45%

1 year

Overnight MIBOR + 1.00%

Disclaimer: Clear browser history/cookies to view latest rates. Rates subject to change without notice. Contact nearest Axis Bank branch for terms. Premature withdrawal may be disallowed for deposits ≥ ₹5 Cr (except Individuals/HUF).

 

Union Bank of India Fixed Deposit Rate of Interest

Effective from July 7, 2025

Domestic/NRO Term Deposits (< Rs. 3 Cr)

Period

Interest Rate (%)

7-14 Days

3.40

15-30 Days

3.40

31-45 Days

3.40

46-90 Days

4.40

91-120 Days

4.70

121-180 Days

4.90

181 Days to < 1 Year

6.15

1 Year

6.60

> 1 Year to 398 Days

6.60

399 Days

6.60

400 Days

6.60

401 Days to 455 Days

6.50

456 Days

6.60

457 Days to 2 Years

6.50

> 2 Years to 996 Days

6.50

997 Days

6.30

998 Days to < 3 Years

6.50

3 Years

6.60

> 3 Years to 5 Years

6.40

> 5 Years to 10 Years

6.40

Bulk Deposits (Rs. 3 Cr & Above) – Callable

Effective from July 10, 2025

Period

3 Cr to 10 Cr

>10 Cr to 25 Cr

>25 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 500 Cr

>500 Cr

7-14 Days

2.75

2.75

2.75

2.75

2.75

2.75

15-30 Days

2.75

2.75

2.75

2.75

2.75

2.75

31-45 Days

2.90

2.90

2.90

2.90

2.90

2.90

46-90 Days

2.90

2.90

2.90

2.90

2.90

2.90

91-120 Days

2.90

5.00

5.00

5.00

5.00

5.00

121-180 Days

2.90

5.00

5.00

5.00

5.00

5.00

6 Months to < 1 Year

2.90

5.85

5.85

5.85

5.85

5.85

1 Year

5.95

5.95

5.95

5.95

5.95

5.95

> 1 Year to 2 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 2 Years to 996 Days

5.95

5.95

5.95

5.95

5.95

5.95

997 Days

5.95

5.95

5.95

5.95

5.95

5.95

998 Days to 3 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 3 Years to 5 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 5 Years to 10 Years

5.95

5.95

5.95

5.95

5.95

5.95

Notice Period Deposits

Period

3 Cr to 10 Cr

>10 Cr to 25 Cr

>25 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 500 Cr

>500 Cr

32-45 Days

2.92

2.92

2.92

2.92

2.92

2.92

46-90 Days

2.92

2.92

2.92

2.92

2.92

2.92

91-120 Days

2.92

5.01

5.01

5.01

5.01

5.01

121-180 Days

2.92

5.01

5.01

5.01

5.01

5.01

6 Months to < 1 Year

2.92

5.90

5.90

5.90

5.90

5.90

1 Year

5.96

5.96

5.96

5.96

5.96

5.96

> 1 Year to 2 Years

5.96

5.96

5.96

5.96

5.96

5.96

> 2 Years to 3 Years

5.96

5.96

5.96

5.96

5.96

5.96

> 3 Years to 5 Years

5.96

5.96

5.96

5.96

5.96

5.96

> 5 Years to 10 Years

5.96

5.96

5.96

5.96

5.96

5.96

Non-Callable Deposits

Period

3 Cr to 10 Cr

>10 Cr to 25 Cr

>25 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 500 Cr

>500 Cr

61-90 Days

2.95

2.95

2.95

2.95

2.95

2.95

91-120 Days

2.95

5.02

5.02

5.02

5.02

5.02

121-180 Days

2.95

5.02

5.02

5.02

5.02

5.02

6 Months to < 1 Year

2.95

5.95

5.95

5.95

5.95

5.95

1 Year

6.00

6.00

6.00

6.00

6.00

6.00

> 1 Year to 2 Years

6.00

6.00

6.00

6.00

6.00

6.00

> 2 Years to 3 Years

6.00

6.00

6.00

6.00

6.00

6.00

NRE Callable Deposits

Period

3 Cr to 10 Cr

>10 Cr to 25 Cr

>25 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 500 Cr

>500 Cr

1 Year

5.95

5.95

5.95

5.95

5.95

5.95

> 1 Year to 2 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 2 Years to 996 Days

5.95

5.95

5.95

5.95

5.95

5.95

997 Days

5.95

5.95

5.95

5.95

5.95

5.95

998 Days to 3 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 3 Years to 5 Years

5.95

5.95

5.95

5.95

5.95

5.95

> 5 Years to 10 Years

5.95

5.95

5.95

5.95

5.95

5.95

Additional Information

  • Senior Citizens: Additional 0.50% over normal rates for deposits up to Rs. 5 Cr.
  • Super Senior Citizens: Additional 0.75% over normal rates (0.25% over senior citizen rates) for deposits opened/renewed on or after December 1, 2022.
  • Confirm rates with branches before placing deposits.
  • Rates subject to change.
  • Aggregate deposit value for similar periods determines applicable interest rate.

IDFC Bank Fixed Deposit Interest Rates

Effective from 13th June 2025

Card Rates for Domestic, NRE, and NRO Deposits (Less than INR 3 Crores)

Period

Rate of Interest (% p.a.)

7 days – 14 days

3.00%

15 days – 29 days

3.00%

30 days – 45 days

3.00%

46 days – 90 days

4.50%

91 days – 180 days

4.50%

181 days – < 1 Year

5.50%

1 year

6.25%

1 year 1 day – 500 days

6.25%

501 days – 2 years

6.60%

2 years 1 day – 3 years

6.75%

3 years 1 day – 5 years

6.75%

5 years 1 day – 10 years

6.00%

Tax Saver Deposit (Domestic Deposits Only)

Period

Rate of Interest (% p.a.)

5 Years

6.75%

Green Deposits (Domestic Deposits Only)

Period

Rate of Interest (% p.a.)

375 days

6.25%

Important Notes:

  • Minimum Tenure: NRE Deposits: 365 days (non-leap year) or 366 days (leap year). NRO/Domestic Deposits: 7 days. No interest if minimum tenure not met.
  • Senior Citizen Incentive: Additional 0.50% p.a. for Domestic Deposits (not applicable for NRE/NRO).
  • Interest Calculation:
    • Up to 180 days: Simple interest.
    • Above 180 days: Quarterly compounding.
    • Monthly payout: Calculated quarterly, paid at discounted rate.
  • Premature Closure:
    • Interest paid at booking rate for the period held, minus 1% penalty (effective from May 2, 2019).
    • Exemptions: Senior Citizens, deceased account holder cases, Government/Quasi-Government/Regulatory bodies.
  • Interest Rounding: Nearest rupee, based on 365 days (non-leap) or 366 days (leap).

Recurring Deposit (RD) Interest Rates

Effective from 13th June 2025

Period

Rate of Interest (% p.a.)

6 months

4.50%

9 months

5.50%

12 months

6.25%

24 months

6.60%

36 months

6.75%

Important Notes:

  • Tenors Available: 6, 9, 12, 24, 36 months (effective from 3rd May 2025).
  • Installment Limits: Min Rs. 100, Max Rs. 1,25,000 monthly.
  • Interest: Quarterly compounding, paid on maturity.
  • Senior Citizen Incentive: Additional 0.50% p.a. for Domestic Deposits (not applicable for NRE/NRO).
  • NRE RD: Minimum tenure 12 months.
  • Premature Withdrawal:
    • No interest if withdrawn within 30 days (Domestic/NRO) or 365/366 days (NRE).
    • After 30 days (Domestic/NRO) or 1 year (NRE): Interest at booking rate for period held, minus 1% penalty (effective from May 2, 2019).

Fixed Deposit Rates (Rs. 3 Crore – 26.50 Crore)

Effective from 7th July 2025

(I) No Premature Withdrawal

Period

Rs. 3 Cr – 5 Cr

> Rs. 5 Cr – 10 Cr

> Rs. 10 Cr – 15 Cr

> Rs. 15 Cr – 26.50 Cr

7 – 14 days

4.45%

4.45%

4.45%

4.45%

15 – 35 days

4.60%

4.60%

4.60%

4.60%

36 – 45 days

5.00%

5.00%

5.00%

5.00%

46 – 60 days

5.25%

5.25%

5.25%

5.25%

61 – 91 days

5.70%

5.70%

5.70%

5.70%

92 – 180 days

5.85%

5.85%

5.85%

5.85%

181 – 270 days

6.20%

6.20%

6.20%

6.20%

271 – 365 days

6.30%

6.30%

6.30%

6.30%

366 – 399 days

6.45%

6.45%

6.45%

6.45%

400 – 499 days

6.45%

6.45%

6.45%

6.45%

500 – 540 days

6.45%

6.45%

6.45%

6.45%

541 – 731 days

6.45%

6.45%

6.45%

6.45%

732 – 1095 days

6.45%

6.45%

6.45%

6.45%

3 years 1 day – 5 years

6.45%

6.45%

6.45%

6.45%

5 years 1 day – 8 years

6.45%

6.45%

6.45%

6.45%

8 years 1 day – 10 years

6.45%

6.45%

6.45%

6.45%

Notes:

  • No Premature Withdrawal: Allowed only in exceptional cases (e.g., statutory/regulatory orders, deceased claims). No interest paid; credited interest recovered.
  • Interest Calculation:
    • Up to 180 days: Simple interest.
    • Above 180 days: Quarterly compounding.
    • Monthly payout: Calculated quarterly, paid at discounted rate.
  • Senior Citizen Incentive: Additional 0.50% p.a. for Domestic Deposits (not applicable for NRE/NRO).
  • Other: No auto-renewal, no lien allowed, rates subject to change.

(II) Premature Withdrawal Permitted

Period

Rs. 3 Cr – 5 Cr

> Rs. 5 Cr – 10 Cr

> Rs. 10 Cr – 15 Cr

> Rs. 15 Cr – 26.50 Cr

7 – 14 days

4.45%

4.45%

4.45%

4.45%

15 – 35 days

4.60%

4.60%

4.60%

4.60%

36 – 45 days

4.85%

4.85%

4.85%

4.85%

46 – 60 days

5.10%

5.10%

5.10%

5.10%

61 – 91 days

5.45%

5.45%

5.45%

5.45%

92 – 180 days

5.70%

5.70%

5.70%

5.70%

181 – 270 days

5.95%

5.95%

5.95%

5.95%

271 – 365 days

6.15%

6.15%

6.15%

6.15%

366 – 399 days

6.20%

6.20%

6.20%

6.20%

400 – 499 days

6.20%

6.20%

6.20%

6.20%

500 – 540 days

6.20%

6.20%

6.20%

6.20%

541 – 731 days

6.20%

6.20%

6.20%

6.20%

732 – 1095 days

6.20%

6.20%

6.20%

6.20%

3 years 1 day – 5 years

6.20%

6.20%

6.20%

6.20%

5 years 1 day – 8 years

6.20%

6.20%

6.20%

6.20%

8 years 1 day – 10 years

6.20%

6.20%

6.20%

6.20%

Notes:

  • Premature Withdrawal: Interest at booking rate minus 1% penalty, except for Government/Quasi-Government/Regulatory bodies.
  • Interest Calculation:
    • Up to 180 days: Simple interest.
    • Above 180 days: Quarterly compounding.
    • Monthly payout: Calculated quarterly, paid at discounted rate.
  • Senior Citizen Incentive: Additional 0.50% p.a. for Domestic Deposits (not applicable for NRE/NRO).
  • Other: Rates subject to change.

Kotak Mahindra Bank Fixed Deposit Interest Rates

Effective from 18th June 2025

Domestic / NRO / NRE Fixed Deposits – Premature Withdrawal Allowed (Less than Rs.3 Crore)

Maturity Period

Regular Rate

Regular Annualised Yield

Senior Citizen Rate*

Senior Citizen Annualised Yield*

7 – 14 Days

2.75%

2.75%

3.25%

3.25%

15 – 30 Days

3.00%

3.00%

3.50%

3.50%

31 – 45 Days

3.25%

3.25%

3.75%

3.75%

46 – 90 Days

3.50%

3.50%

4.00%

4.00%

91 Days

5.00%

5.00%

5.50%

5.50%

92 – 179 Days

4.25%

4.25%

4.75%

4.75%

180 Days

6.00%

6.00%

6.50%

6.50%

181 – 269 Days

5.75%

5.83%

6.25%

6.35%

270 Days

5.75%

5.83%

6.25%

6.35%

271 – 363 Days

6.00%

6.09%

6.50%

6.61%

364 Days

6.00%

6.09%

6.50%

6.61%

365 – 389 Days

6.25%

6.40%

6.75%

6.92%

390 Days (12 months 25 days)

6.50%

6.66%

7.00%

7.19%

391 Days – < 23 Months

6.60%

6.77%

7.10%

7.29%

23 Months

6.60%

6.77%

7.10%

7.29%

23 Months 1 Day – < 2 Years

6.50%

6.66%

7.00%

7.19%

2 Years – < 3 Years

6.40%

6.56%

6.90%

7.08%

3 Years – < 4 Years

6.40%

6.56%

6.90%

7.08%

4 Years – < 5 Years

6.40%

6.56%

6.90%

7.08%

5 Years – ≤ 10 Years

6.25%

6.40%

6.75%

6.92%

Effective from 3rd July 2025

Domestic / NRO / NRE Fixed Deposits – Premature Withdrawal Allowed (Rs.3 Crore & Above)

Maturity Period

Rs.3 Cr – < Rs.10 Cr

Rs.10 Cr – < Rs.25 Cr

Rs.25 Cr – < Rs.100 Cr

Rs.100 Cr – < Rs.300 Cr

Rs.300 Cr & Above

7 – 14 Days

3.50%

4.00%

4.00%

4.00%

4.00%

15 – 30 Days

4.00%

4.50%

4.50%

4.50%

4.50%

31 – 45 Days

4.25%

5.25%

5.25%

5.25%

5.25%

46 – 60 Days

4.50%

5.25%

5.25%

5.25%

5.25%

61 – 90 Days

4.50%

5.40%

5.40%

5.40%

5.40%

91 Days

5.00%

5.75%

5.75%

5.75%

5.75%

92 – 120 Days

5.25%

5.80%

5.80%

5.80%

5.80%

121 – 179 Days

5.25%

5.80%

5.80%

5.80%

5.80%

180 Days

6.00%

5.85%

5.85%

5.85%

5.85%

181 – 270 Days

6.00%

6.00%

6.00%

6.00%

6.00%

271 – 279 Days

5.15%

5.15%

5.15%

5.15%

5.15%

280 – 364 Days

6.00%

6.05%

6.05%

6.05%

6.05%

365 Days – < 15 Months

6.50%

6.20%

6.20%

6.20%

6.20%

15 Months – < 18 Months

6.50%

6.20%

6.20%

6.20%

6.20%

18 Months – < 2 Years

6.50%

6.20%

6.20%

6.20%

6.20%

2 Years – < 3 Years

6.40%

6.20%

6.20%

6.20%

6.20%

3 Years – < 4 Years

6.40%

6.20%

6.20%

6.20%

6.20%

4 Years – < 5 Years

6.30%

6.20%

6.20%

6.20%

6.20%

5 Years – ≤ 7 Years

6.30%

6.20%

6.20%

6.20%

6.20%

Domestic / NRO / NRE Fixed Deposits – Premature Withdrawal Not Allowed (Rs.3 Crore & Above)

Maturity Period

Rs.3 Cr – < Rs.10 Cr

Rs.10 Cr – < Rs.25 Cr

Rs.25 Cr – < Rs.100 Cr

Rs.100 Cr – < Rs.300 Cr

Rs.300 Cr & Above

91 Days

NA

5.85%

5.85%

5.85%

5.85%

92 – 120 Days

NA

5.90%

5.90%

5.90%

5.90%

121 – 179 Days

NA

5.90%

5.90%

5.90%

5.90%

180 Days

NA

5.95%

5.95%

5.95%

5.95%

181 – 270 Days

6.15%

6.10%

6.10%

6.10%

6.10%

271 – 279 Days

5.25%

5.75%

5.75%

5.75%

5.75%

280 – 364 Days

6.20%

6.15%

6.15%

6.15%

6.15%

365 Days – < 15 Months

6.60%

6.30%

6.30%

6.30%

6.30%

15 Months – < 18 Months

6.60%

6.30%

6.30%

6.30%

6.30%

18 Months – < 2 Years

6.60%

6.30%

6.30%

6.30%

6.30%

2 Years – < 3 Years

6.50%

6.30%

6.30%

6.30%

6.30%

3 Years – < 4 Years

6.50%

6.30%

6.30%

6.30%

6.30%

4 Years – < 5 Years

NA

NA

NA

NA

NA

Disclaimer

  • #Simple Interest Rate: Rates are simple interest unless specified.
  • Senior Citizens’ Rate: Not applicable on NRO/NRE deposits.
  • NRE Deposits: No interest payable for tenures less than 1 year.
  • Tenure < 181 Days: Interest calculated at maturity as simple interest.
  • ActivMoney (2-way sweep deposits): Regular FD rates apply, including for senior citizens and bank staff.
  • Deposits ≥ Rs.5 Cr: Acceptance at bank’s discretion.
  • Monthly Interest Payout: Available at discounted rates per RBI directives.
  • Rates Subject to Change: Applicable for mentioned dates only.
  • Interest Calculation: Based on 365 days (non-leap year) or 366 days (leap year).
  • Premature Withdrawal Not Allowed: No withdrawal till maturity; no ActivMoney/sweep-in facility or auto-renewal; no OD facility or escrow account deposits.

Penal Charges on Premature Withdrawal

For FDs Booked/Renewed (1st Nov 2012 – 19th May 2022)

Tenure of FD

Penalty

< 181 Days

Nil

≥ 181 Days

0.50%

For FDs Booked/Renewed (On/After 20th May 2022)

Tenure of FD

Penalty

≤ 180 Days

Nil

> 180 Days to ≤ 364 Days

0.50%

≥ 365 Days

1.00%
  • Interest on Premature Withdrawal: Paid at the lower of the prevailing rate on deposit date or contracted rate, after deducting penalty.

Tax Deduction at Source (TDS)

  • Resident: As per Section 194A, TDS deducted on interest accrued/paid, reported to Income Tax authority.
  • Non-Resident: As per Section 195, TDS deducted on interest accrued/paid; DTAA rates apply with proper documentation.

 

Indian Bank Fied Deposit Interest Rates

Revision of Interest Rates on Retail Domestic & NRO Term Deposits (Less than Rs.3 Crore)

Period / Tenor of Deposit

Existing Rate (% p.a.)

Revised Rate (% p.a.) w.e.f 09.06.2025

7 days to 14 days

2.80

2.80

15 days to 29 days

2.80

2.80

30 days to 45 days

3.00

3.00

46 days to 90 days

3.25

3.25

91 days to 120 days

3.50

3.50

121 days to 180 days

3.85

3.85

181 days to < 9 months

4.50

4.50

9 months to < 1 year

4.75

4.75

1 year

6.10

6.10

> 1 year to < 2 years (Except 444 & 555 Days)

7.10

6.60

444 Days

7.15

6.90

555 Days

6.80

6.80

2 years to < 3 years

6.70

6.40

3 years to < 5 years

6.25

6.25

5 years

6.25

6.00

Above 5 years

6.10

6.00

IND SECURE

  • Introduced: 08.05.2025
  • Investment: Rs.1000 to < Rs.3 Crore
  • Type: FD/MMD with callable options
  • Maturity: 444 days
  • Validity: Until 30.09.2025
  • Note: Bank may extend/withdraw at discretion

Category

Rate of Interest (% p.a.) w.e.f 09.06.2025

Public

6.90

Senior Citizen

7.40

Super Senior Citizen

7.65

IND GREEN

  • Introduced: 26.03.2025
  • Purpose: Promote sustainable development
  • Investment: Rs.1000 to < Rs.3 Crore
  • Type: FD/MMD with callable options
  • Maturity: 555 days

Category

Rate of Interest (% p.a.)

Public

6.80

Senior Citizen

7.30

Super Senior Citizen

7.55

Note

  • Discontinued: Ind Super 400 Days & Ind Supreme 300 Days w.e.f 08.05.2025
  • Rates applicable to fresh deposits and renewals
  • Rates also apply to NRE term deposits, Tax Saver Scheme, and Capital Gains Scheme Type B (Term Deposits) 1988

Revision of Interest Rates for Bulk Term Deposits (Rs.3 Cr – Rs.5 Cr) w.e.f 02.07.2025

Period

Callable (% p.a.)

Non-Callable (% p.a.)

7 days to 14 days

5.00

5.00

15 days to 29 days

5.00

5.00

30 days to 45 days

5.25

5.25

46 days to 90 days

5.35

5.35

91 days to 120 days

5.75

5.80

121 days to 180 days

5.75

5.80

181 days to < 9 months

6.00

6.05

9 months to < 1 year

6.10

6.15

1 year

6.25

6.30

> 1 year to < 2 years

6.00

6.00

2 years to < 3 years

5.50

5.50

3 years to < 5 years

5.50

5.50

5 years

5.50

5.50

Above 5 years

5.50

5.50

Interest Rates for Deposits Above Rs.5 Crore

  • Contact: Indian Bank Treasury Branch, Mumbai
  • Tel: 022-49343361
  • Email: [email protected]

Callable Interest Rates (w.e.f 10.07.2025)

Period

Rs.5 Cr–25 Cr

Rs.25 Cr–100 Cr

Rs.100 Cr–500 Cr

Rs.500 Cr–1000 Cr

Above Rs.1000 Cr

7 days to 14 days

5.00

5.00

5.00

5.00

5.00

15 days to 29 days

5.00

5.00

5.00

5.00

5.00

30 days to 45 days

5.25

5.25

5.25

5.25

5.25

46 days to 90 days

5.35

5.35

5.75

5.35

5.35

91 days to 120 days

5.75

5.75

5.75

5.75

5.75

121 days to 180 days

5.75

5.75

5.75

5.75

5.75

181 days to < 9 months

6.00

6.00

6.00

6.00

6.00

9 months to < 1 year

6.10

6.10

6.10

6.10

6.10

1 year

6.25

6.25

6.51

6.25

6.25

> 1 year to < 2 years

6.00

6.00

6.00

6.00

6.00

2 years to < 3 years

5.50

5.50

5.50

5.50

5.50

3 years to < 5 years

5.50

5.50

5.50

5.50

5.50

5 years

5.50

5.50

5.50

5.50

5.50

Above 5 years

5.50

5.50

5.50

5.50

5.50

Non-Callable Interest Rates (w.e.f 10.07.2025)

Period

Rs.5 Cr–25 Cr

Rs.25 Cr–100 Cr

Rs.100 Cr–500 Cr

Rs.500 Cr–1000 Cr

Above Rs.1000 Cr

7 days to 14 days

5.00

5.00

5.00

5.00

5.00

15 days to 29 days

5.00

5.00

5.00

5.00

5.00

30 days to 45 days

5.25

5.25

5.25

5.25

5.25

46 days to 90 days

5.35

5.35

5.75

5.35

5.35

91 days to 120 days

5.80

5.80

5.80

5.80

5.80

121 days to 180 days

5.80

5.80

5.80

5.80

5.80

181 days to < 9 months

6.05

6.05

6.05

6.05

6.05

9 months to < 1 year

6.15

6.15

6.15

6.15

6.15

1 year

6.30

6.30

6.56

6.30

6.30

> 1 year to < 2 years

6.00

6.00

6.00

6.00

6.00

2 years to < 3 years

5.50

5.50

5.50

5.50

5.50

3 years to < 5 years

5.50

5.50

5.50

5.50

5.50

5 years

5.50

5.50

5.50

5.50

5.50

Above 5 years

5.50

5.50

5.50

5.50

5.50

Notes

  • Rates valid only for 10.07.2025
  • Deposits require prior permission from Zonal Offices and C.O. Treasury
  • Rates published on bank’s website, updated as rates change
  • Quotes valid for a day, not for interbank deposits or parties with credit facilities without Corporate Office permission
  • Contact nearest Indian Bank branch for deposits above Rs.5 Crore
  • Deposits under each slab should not be split into smaller lots

Foreclosure Charges

  • Less than 7 days: No interest paid
  • 7 days and above: Applicable card rate for period run less 1.00% p.a. as foreclosure charges
  • Exemptions: No charges for deposits by Corporate/Government Departments, Institutions, or non-profit organizations (Educational/Religious/Charitable) based on bank quotation

Additional Notes

  • Senior Citizens (Age 60+): Additional 0.50% p.a. for deposits < Rs.3 Crore within Rs.100 Crore TD balance at CIF level (7 days to 10 years)
  • Super Senior Citizens (Age 80+): Additional 0.25% over Senior Citizen rate for all deposit buckets
  • Special Offer (Senior Citizens): Additional 0.25% (total 0.75%) for deposits > 5 years to 10 years
  • IB – Golden Ager: Special term deposit for Super Senior Citizens
  • NRE/NRO Deposits: Subject to RBI guidelines; minimum 1-year term for NRE; no interest if pre-closed before 1 year
  • Overdue Deposits: Interest at Savings rate or contractual TD rate, whichever is lower
  • Bulk Deposits (≥ Rs.3 Crore): No additional Senior Citizen rate; require Treasury Branch approval
  • Foreclosure (Deposits ≥ Rs.5 Crore): Bank may disallow premature withdrawal
  • NRE/NRO Foreclosure: 1% penalty for deposits ≥ 1 year; no charges for staff/ex-staff; no penalty for conversion to RFC account
  • FCNR(B) Deposits: Interest at period run rate without penalty or contracted rate without penalty, whichever is lower

Bank of India Fixed Deposit Interest Rates 

Callable Domestic/NRO Term Deposits (w.e.f. 16.06.2025)

Maturity

< Rs.3 Cr (%)

Rs.3 Cr to < Rs.10 Cr (%)

7-14 days

3.00

4.50

15-30 days

3.00

4.50

31-45 days

3.00

4.50

46-90 days

4.50

5.25

91-179 days

4.25

5.75

180-210 days

5.50

6.00

211-269 days

5.50

6.00

270 days to < 1 Year

5.50

6.00

1 Year

6.50

6.50

>1 Year to <2 Years (except 450 Days)

6.45

6.25

450 Days (Star Vaibhav)

6.70

6.25

2 Years to <3 Years

6.40

6.00

3 Years to <5 Years

6.25

5.50

5 Years to <8 Years

6.00

5.50

8-10 Years

6.00

5.50

Star Vaibhav Fixed Deposit (450 Days, < Rs.3 Cr, Limited Period)

  • General: 6.70%
  • Senior Citizen: 7.20%
  • Super Senior Citizen: 7.35%

Non-Callable Star Vaibhav (450 Days, < Rs.3 Cr)

  • General: 6.85%
  • Senior Citizen: 7.35%
  • Super Senior Citizen: 7.50%

Green Deposit (999 Days, Rs.1 Lakh to < Rs.10 Cr)

  • Rate: 6.70%
  • Annualized: 7.27%
  • Senior Citizen: +0.50%
  • Super Senior Citizen: +0.65%

Non-Callable Domestic/NRO Deposits

Maturity

Rs.1 Cr to < Rs.3 Cr (%)

Rs.3 Cr to < Rs.10 Cr (%)

1 Year

6.65

6.65

>1 Year to <2 Years (except 450 Days)

6.60

6.40

450 Days (Star Vaibhav)

6.85

6.40

2 Years to <3 Years

6.55

6.15

3 Years

6.40

5.65

Callable Deposits (Rs.10 Cr to < Rs.25 Cr & ≥ Rs.25 Cr, w.e.f. 11.07.2025)

Maturity

Rate (%)

7-14 days

5.00

15-30 days

5.05

31-45 days

5.10

46-90 days

5.25

91-120 days

5.75

121-179 days

5.80

180-269 days

5.90

270 days to <1 Year

6.00

1 Year to 3 Years

6.25

>3 Years to <5 Years

6.25

5 Years to <8 Years

6.00

8-10 Years

6.00

Non-Callable Deposits (Rs.10 Cr to < Rs.25 Cr & ≥ Rs.25 Cr, w.e.f. 11.07.2025)

Maturity

Rate (%)

1 Year

6.35

>1 Year to <2 Years

6.30

2-3 Years

6.30

Senior/Super Senior Citizen Rates (< Rs.3 Cr, Callable, w.e.f. 16.06.2025)

Maturity

Senior Citizen (%)

Super Senior Citizen (%)

7-45 days

3.00

3.00

46-90 days

4.50

4.50

91-179 days

4.25

4.25

180-210 days

6.00

6.15

211-269 days

6.00

6.15

270 days to <1 Year

6.00

6.15

1 Year

7.00

7.15

>1 Year to <2 Years (except 450 Days)

6.95

7.10

450 Days (Star Vaibhav)

7.20

7.35

2 Years to <3 Years

6.90

7.05

3 Years to <5 Years

7.00

7.15

5 Years to <8 Years

6.75

6.90

8-10 Years

6.75

6.90

Non-Callable Senior/Super Senior Citizen Rates (Rs.1 Cr to < Rs.3 Cr)

Maturity

Senior Citizen (%)

Super Senior Citizen (%)

1 Year

7.15

7.30

>1 Year to <2 Years (except 450 Days)

7.10

7.25

450 Days (Star Vaibhav)

7.35

7.50

2 Years to <3 Years

7.05

7.20

3 Years

7.15

7.30

Annualized Rates (Cumulative Deposits, Quarterly Compounding)

Maturity

< Rs.3 Cr Rate (%)

< Rs.3 Cr Annualized (%)

Rs.3 Cr to < Rs.10 Cr Rate (%)

Rs.3 Cr to < Rs.10 Cr Annualized (%)

180-210 days

5.50

5.54

6.00

6.04

211-269 days

5.50

5.54

6.00

6.04

270 days to <1 Year

5.50

5.58

6.00

6.09

1 Year

6.50

6.66

6.50

6.66

>1 Year to <2 Years (except 450 Days)

6.45

6.61

6.25

6.40

450 Days

6.70

6.87

6.25

6.40

2 Years to <3 Years

6.40

6.77

6.00

6.32

3 Years to <5 Years

6.25

6.82

5.50

5.94

5 Years to <8 Years

6.00

6.94

5.50

6.28

8-10 Years

6.00

7.63

5.50

6.85

Senior/Super Senior Citizen Annualized Rates (< Rs.3 Cr)

Maturity

Senior Citizen Rate (%)

Senior Citizen Annualized (%)

Super Senior Citizen Rate (%)

Super Senior Citizen Annualized (%)

180-210 days

6.00

6.04

6.15

6.20

211-269 days

6.00

6.04

6.15

6.20

270 days to <1 Year

6.00

6.09

6.15

6.25

1 Year

7.00

7.19

7.15

7.34

>1 Year to <2 Years (except 450 Days)

6.95

7.13

7.10

7.29

450 Days

7.20

7.40

7.35

7.56

2 Years to <3 Years

6.90

7.33

7.05

7.50

3 Years to <5 Years

7.00

8.02

7.15

7.90

5 Years to <8 Years

6.75

7.71

6.90

8.16

8-10 Years

6.75

8.85

6.90

9.11

Key Guidelines

  • Minimum Deposit: Rs.10,000 (except for court orders/earnest money).
  • Recurring Deposit: Min. Rs.500 (Normal), Rs.1,000 (Flexi), Max. Rs.10 Lakh (approval needed for higher amounts).
  • Max Tenor: 10 years (except court-ordered deposits).
  • Senior Citizen (60 to <80 years): +0.50% for 6 months to <3 years, +0.75% for 3-10 years (< Rs.3 Cr).
  • Super Senior Citizen (≥80 years): +0.65% for 6 months to <3 years, +0.90% for 3-10 years (< Rs.3 Cr).
  • Premature Withdrawal Penalty:
    • < Rs.5 Lakh, ≥12 months: Nil
    • < Rs.5 Lakh, <12 months: 0.50%
    • ≥ Rs.5 Lakh: 1.00%
    • No penalty for death of depositor, staff/ex-staff, or renewal for longer tenure.
  • TDS: Applied on total interest earned across all deposits.
  • NRE Deposits: Min. 1 year, max. 10 years.
  • Court Orders: 10-year rate applies, documents subject to audit.

IndusInd Fixed Deposit Interest Rates

Effective from 16.06.2025

FD Rates for Deposits < ₹3 Cr (Premature Withdrawal Allowed)

(Senior Citizen rates do not apply to NRO/NRE deposits)

Tenure

Rate (%)

Annualized Yield (%)

Senior Citizen Rate (%)

Senior Citizen Annualized Yield (%)

7 days to 30 days

3.25

3.25

4.00

4.00

31 days to 45 days

3.50

3.50

4.25

4.25

46 days to 60 days

4.50

4.50

5.25

5.25

61 days to 90 days

4.75

4.75

5.50

5.50

91 days to 120 days

5.00

5.00

5.75

5.75

121 days to 180 days

5.00

5.00

5.75

5.75

181 days to 210 days

5.75

5.88

6.50

6.66

211 days to 269 days

6.00

6.14

6.75

6.92

270 days to 354 days

6.25

6.40

7.00

7.19

355 days to 364 days

6.50

6.66

7.25

7.45

1 Year to < 1 Year 1 month

6.75

6.92

7.50

7.71

1 Year 1 month to 2 Years

7.00

7.19

7.75

7.98

> 2 Years to 3 Years 3 Months

6.75

6.92

7.50

7.71

> 3 Years 3 Months to < 61 Months

6.65

6.82

7.40

7.61

61 months and above

6.50

6.66

7.25

7.45

Tax Saver FD (5 years)

6.65

6.82

7.40

7.61

Note: Interest is compounded quarterly. Simple interest paid on maturity for tenures up to 180 days.

FD Rates for Deposits ₹3 Cr to < ₹5 Cr (Premature Withdrawal Allowed)

Effective from 16.06.2025
(Senior Citizen rates do not apply to NRO/NRE deposits)

Tenure

Rate (%)

Annualized Yield (%)

Senior Citizen Rate (%)

Senior Citizen Annualized Yield (%)

7 days to 14 days

4.65

4.65

5.40

5.40

15 days to 30 days

4.75

4.75

5.50

5.50

31 days to 45 days

5.25

5.25

6.00

6.00

46 days to 60 days

5.75

5.75

6.50

6.50

61 days to 90 days

6.00

6.00

6.75

6.75

91 days to 120 days

6.15

6.15

6.90

6.90

121 days to 180 days

6.25

6.25

7.00

7.00

181 days to 210 days

6.40

6.56

7.15

7.34

211 days to 269 days

6.50

6.66

7.25

7.45

270 days to 354 days

6.50

6.66

7.25

7.45

355 days to 364 days

6.60

6.77

7.35

7.56

1 Year to < 1 Year 1 month

6.85

7.03

7.60

7.82

1 Year 1 Month to 2 Years

7.05

7.24

7.80

8.03

> 2 Years to 3 Years 3 Months

6.85

7.03

7.60

7.82

> 3 Years 3 Months to < 61 Months

6.70

6.87

7.45

7.66

61 months and above

6.55

6.71

7.30

7.50

Note: Interest is compounded quarterly. Simple interest paid on maturity for tenures up to 180 days.

FD Rates for Deposits ₹1 Cr to < ₹3 Cr (Premature Withdrawal Not Allowed)

Effective from 16.06.2025
(Senior Citizen rates do not apply to NRO/NRE deposits)

Tenure

Rate (%)

Annualized Yield (%)

Senior Citizen Rate (%)

Senior Citizen Annualized Yield (%)

7 days to 14 days

4.65

4.65

5.40

5.40

15 days to 30 days

4.75

4.75

5.50

5.50

31 days to 45 days

5.35

5.35

6.10

6.10

46 days to 60 days

5.75

5.75

6.50

6.50

61 days to 120 days

6.25

6.25

7.00

7.00

121 days to 180 days

6.35

6.35

7.10

7.10

181 days to 210 days

6.50

6.66

7.25

7.45

211 days to 354 days

6.60

6.77

7.35

7.56

355 days to 364 days

6.65

6.82

7.40

7.61

1 Year to < 1 Year 1 month

6.90

7.08

7.65

7.87

1 Year 1 Month to 2 Years

7.10

7.29

7.85

8.08

> 2 Years to 3 Years 3 Months

6.90

7.08

7.65

7.87

> 3 Years 3 Months to < 61 Months

6.75

6.92

7.50

7.71

61 months and above

6.60

6.77

7.35

7.56

Note: Interest is compounded quarterly. Simple interest paid on maturity for tenures up to 180 days.

FD Rates for Deposits ₹3 Cr to < ₹5 Cr (Premature Withdrawal Not Allowed)

Effective from 16.06.2025
(Senior Citizen rates do not apply to NRO/NRE deposits)

Tenure

Rate (%)

Annualized Yield (%)

Senior Citizen Rate (%)

Senior Citizen Annualized Yield (%)

7 days to 14 days

4.65

4.65

5.40

5.40

15 days to 30 days

4.75

4.75

5.50

5.50

31 days to 45 days

5.35

5.35

6.10

6.10

46 days to 60 days

5.75

5.75

6.50

6.50

61 days to 120 days

6.25

6.25

7.00

7.00

121 days to 180 days

6.35

6.35

7.10

7.10

181 days to 210 days

6.50

6.66

7.25

7.45

211 days to 354 days

6.60

6.77

7.35

7.56

355 days to 364 days

6.65

6.82

7.40

7.61

1 Year to < 1 Year 1 month

6.90

7.08

7.65

7.87

1 Year 1 Month to 2 Years

7.10

7.29

7.85

8.08

> 2 Years to 3 Years 3 Months

6.90

7.08

7.65

7.74

> 3 Years 3 Months to < 61 Months

6.75

6.92

7.50

7.71

61 months and above

6.60

6.77

7.35

7.56

Note: Interest is compounded quarterly. Simple interest paid on maturity for tenures up to 180 days.

Disclaimer

Rates are applicable as of 16.06.2025 and may vary across banks and financial institutions. Simple interest is paid on maturity for deposits with tenures up to 180 days.

 

Yes Bank Fixed Deposit Interest Rates

For Deposits Less Than INR 3 Cr (w.e.f. 12th June, 2025)

Tenure

Regular Interest (% p.a.)*

Regular Annualised Yield^

Senior Citizen Interest (% p.a.)**

Senior Citizen Annualised Yield^

7 days to 14 days

3.25%

3.25%

3.75%

3.75%

15 days to 45 days

3.50%

3.50%

4.00%

4.00%

46 days to 90 days

4.50%

4.50%

5.00%

5.00%

91 days to 120 days

4.75%

4.75%

5.25%

5.25%

121 days to 180 days

4.75%

4.75%

5.25%

5.25%

181 days to 271 days

6.00%

6.14%

6.50%

6.66%

272 days to < 12 months

6.25%

6.40%

6.75%

6.92%

12 months

6.75%

6.92%

7.25%

7.45%

12 months 1 day to < 18 months

6.85%

7.03%

7.35%

7.56%

18 months

6.85%

7.03%

7.35%

7.56%

18 months 1 day to < 24 months

7.00%

7.19%

7.50%

7.71%

24 months to < 36 months

7.00%

7.19%

7.50%

7.71%

36 months to < 60 months

7.10%

7.29%

7.85%

8.08%

60 months

6.75%

6.92%

7.50%

7.71%

60 months 1 day to ≤ 120 months

6.75%

6.92%

7.50%

7.71%

*Interest rates are subject to change at the bank’s discretion.
**Senior Citizen rates are applicable only for resident customers.
^Annualised yields compounded quarterly.

For Deposits INR 3 Cr to < INR 5 Cr Non-Senior Citizen

Tenure

Non-Senior Citizen (% p.a.)

          
 

Premature Withdrawal Allowed

    

Premature Withdrawal Not Allowed

    
 

3 Cr to < 3.10 Cr

3.10 Cr to < 3.15 Cr

3.15 Cr to < 5 Cr

3 Cr to < 3.10 Cr

3.10 Cr to < 3.15 Cr

3.15 Cr to < 5 Cr

7 to 14 Days

3.25%

3.25%

3.25%

3.25%

3.25%

3.25%

15 to 30 Days

3.50%

3.50%

3.50%

3.50%

3.50%

3.50%

31 to 45 Days

3.50%

3.50%

3.50%

3.50%

3.50%

3.50%

46 to 60 Days

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

61 to 90 Days

4.50%

4.50%

4.50%

4.50%

4.50%

4.50%

91 to 120 Days

4.75%

4.75%

4.75%

4.85%

4.85%

4.85%

121 to 150 Days

4.75%

4.75%

4.75%

4.85%

4.85%

4.85%

151 to 180 Days

4.75%

4.75%

4.75%

4.85%

4.85%

4.85%

181 to 270 Days

6.00%

5.25%

6.00%

6.10%

6.10%

6.10%

271 Days to < 1 Year

6.25%

5.40%

6.25%

6.35%

6.35%

6.35%

12 Months (1 Year)

6.75%

5.50%

6.75%

6.85%

6.85%

6.85%

12 Months 1 Day to 12 Months 20 Days

6.85%

5.50%

6.85%

6.95%

6.95%

6.95%

12 Months 21 Days to < 15 Months

6.85%

5.50%

6.85%

6.95%

6.95%

6.95%

15 Months

6.85%

5.50%

6.85%

6.95%

6.95%

6.95%

15 Months 1 Day to < 18 Months

6.85%

5.50%

6.85%

6.95%

6.95%

6.95%

18 Months to < 20 Months

7.00%

5.50%

7.00%

7.10%

7.10%

7.10%

20 Months to 22 Months

7.00%

5.50%

7.00%

7.10%

7.10%

7.10%

22 Months 1 Day to < 2 Years

7.00%

5.50%

7.00%

7.10%

7.10%

7.10%

2 Years to < 3 Years

7.00%

5.50%

7.00%

7.10%

7.10%

7.10%

3 Years to < 5 Years

7.10%

5.50%

7.10%

7.20%

7.20%

7.20%

5 Years

6.75%

5.50%

6.75%

6.85%

6.85%

6.85%

5 Years 1 Day & Above

6.75%

5.50%

6.75%

6.85%

6.85%

6.85%

*Interest rates subject to change at bank’s discretion.

 For Deposits INR 3 Cr to < INR 5 Cr Senior Citizen

Senior Citizen (% p.a.)

          

Premature Withdrawal Allowed

    

Premature Withdrawal Not Allowed

    

3 Cr to < 3.10 Cr

3.10 Cr to < 3.15 Cr

3.15 Cr to < 5 Cr

3 Cr to < 3.10 Cr

3.10 Cr to < 3.15 Cr

3.15 Cr to < 5 Cr

3.75%

3.75%

3.75%

3.75%

3.75%

3.75%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.00%

5.25%

5.25%

5.25%

5.35%

5.35%

5.35%

5.25%

5.25%

5.25%

5.35%

5.35%

5.35%

5.25%

5.25%

5.25%

5.35%

5.35%

5.35%

6.50%

5.75%

6.50%

6.60%

6.60%

6.60%

6.75%

5.90%

6.75%

6.85%

6.85%

6.85%

7.25%

6.00%

7.25%

7.35%

7.35%

7.35%

7.35%

6.00%

7.35%

7.45%

7.45%

7.45%

7.35%

6.00%

7.35%

7.45%

7.45%

7.45%

7.35%

6.00%

7.35%

7.45%

7.45%

7.45%

7.35%

6.00%

7.35%

7.45%

7.45%

7.45%

7.50%

6.00%

7.50%

7.60%

7.60%

7.60%

7.50%

6.00%

7.50%

7.60%

7.60%

7.60%

7.50%

6.00%

7.50%

7.60%

7.60%

7.60%

7.50%

6.00%

7.50%

7.60%

7.60%

7.60%

7.85%

6.25%

7.85%

7.95%

7.95%

7.95%

7.50%

6.25%

7.50%

7.60%

7.60%

7.60%

7.50%

6.25%

7.50%

7.60%

7.60%

7.60%

*Interest rates subject to change at bank’s discretion.

Key Points

  • Reference Tenures: 3 months = 91 days, 6 months = 181 days, 9 months = 272 days.
  • Reinvestment: Available for minimum tenure of 6 months 1 day.
  • Senior Citizen Benefit: Additional 0.50% for tenures < 3 years, 0.75% for tenures ≥ 3 years (for deposits < INR 5 Cr).
  • Monthly Payout: Discounted rate applies.
  • No Premature Withdrawal Details: Visit www.yesbank.in.
  • Rates for > INR 5 Cr: Contact nearest branch.

Penalty Structure for Premature Withdrawal (< INR 5 Cr)

Tenure Completed

Penalty Rate (w.e.f. 5th Jul 2019)

Penalty Rate (w.e.f. 16th May 2022)

Penalty Rate (w.e.f. 8th Aug 2022)

Penalty Rate (w.e.f. 3rd Nov 2023)

≤ 181 Days

Nil

0.25%

0.50%

0.75%

≥ 182 Days

0.50%

0.50%

0.75%

1.00%
  • Senior Citizens: No penalty for FDs booked/renewed on/after 16th May 2022.
  • YES Bank Staff: No penalty for FDs booked/renewed on/after 10th May 2021.
  • Minimum Tenure: 7 days; no interest if withdrawn within 7 days.
  • Penalty Application: Applies to partial/full withdrawals, including sweep-in FDs.

Penalty Structure for Deposits ≥ INR 5 Cr

  • Penalty: 0.25% for all tenures and value buckets.
  • Applies to partial/full withdrawals.

Federal Bank Fixed Deposit Interest Rates

Single Deposit Less than ₹300 Lakhs (Effective from 12-06-2025)

Period

General Public

Senior Citizen

7 days to 29 days

3.00%

3.50%

30 days to 45 days

3.50%

4.00%

46 days to 90 days

4.50%

5.00%

91 days to 180 days

5.00%

5.50%

181 days to 270 days

6.00%

6.50%

271 days to less than 1 year

6.25%

6.75%

1 year

6.50%

7.00%

Above 1 year to 443 days

6.70%

7.20%

444 days

6.85%

7.35%

445 days to 3 years

6.70%

7.20%

Above 3 years to 10 years

6.50%

7.00%

Annuity Deposits (Effective from 12-06-2025)

Deposit Amount: ₹15 Lakhs to less than ₹2 Crores

Tenure: 5 years to 20 years (Resident Individuals Only)

Period

General Public

Senior Citizen*

5 years to 10 years

6.50%

7.00%

Above 10 years to 20 years

6.00%

6.15%

*Note: NRO Accounts are not eligible for Senior Citizen rates.

Deposit Plus (Non-Callable, Resident & NRO TD without Premature Withdrawal, Effective from 12-06-2025)

Minimum Amount: ₹1,00,00,001

Pre-closure not allowed, Minimum Period: 12 Months

Period

General Public

Senior Citizen*

1 year

6.60%

7.10%

Above 1 year to 443 days

6.80%

7.30%

444 days

6.95%

7.45%

445 days to 3 years

6.80%

7.30%

Above 3 years to 5 years

6.60%

7.10%

*Note: NRO Accounts are not eligible for Senior Citizen rates.

NRE Term Deposits (Effective from 12-06-2025)

Single Deposit Less than ₹300 Lakhs

Period

Interest Rate

1 year

6.50%

Above 1 year to 443 days

6.70%

444 days

6.85%

445 days to 3 years

6.70%

Above 3 years to 10 years

6.50%

Resident & NRE Term Deposits (₹3 Crore and Above, Effective from 11-07-2025)

Period

₹3 Cr to ₹4.75 Cr

Above ₹4.75 Cr to ₹5 Cr

Above ₹5 Cr to ₹24.75 Cr

Above ₹24.75 Cr to ₹25 Cr

Above ₹25 Cr to ₹49.75 Cr

Above ₹49.75 Cr to ₹50 Cr

Above ₹50 Cr to ₹150 Cr

Above ₹150 Cr

7 – 14 days

3.50%

2.50%

3.50%

2.50%

3.50%

2.50%

3.50%

3.50%

15 – 29 days

3.75%

2.75%

3.75%

2.75%

3.75%

2.75%

3.75%

3.75%

30 – 45 days

4.00%

3.00%

4.00%

3.00%

4.00%

3.00%

4.00%

4.00%

46 – 60 days

4.50%

3.50%

4.50%

3.50%

4.50%

3.50%

5.50%

4.50%

61 – 90 days

5.50%

4.50%

5.53%

4.50%

5.50%

4.50%

5.50%

5.50%

91 – 120 days

5.90%

5.00%

5.90%

5.00%

5.90%

5.00%

5.90%

5.90%

121 – 180 days

6.00%

5.10%

6.00%

5.10%

6.00%

5.10%

6.00%

6.00%

181 – 270 days

6.10%

5.20%

6.10%

5.20%

6.10%

5.20%

6.10%

6.15%

271 days to less than 1 year

6.20%

5.30%

6.20%

5.30%

6.20%

5.30%

6.20%

6.20%

1 Year

6.40%

5.40%

6.40%

5.40%

6.45%

5.40%

6.45%

6.45%

1 year 1 day to 15 months

6.40%

5.40%

6.40%

5.40%

6.40%

5.40%

6.40%

6.40%

Above 15 months to 18 months

6.30%

5.30%

6.30%

5.30%

6.30%

5.30%

6.30%

6.30%

Above 18 months to 2 years

6.30%

5.30%

6.30%

5.30%

6.30%

5.30%

6.30%

6.30%

Above 2 years to 3 years

6.30%

5.30%

6.30%

5.30%

6.30%

5.30%

6.30%

6.30%

Above 3 years to 5 years

6.30%

5.30%

6.30%

5.30%

6.30%

5.30%

6.30%

6.30%

Above 5 years

6.30%

5.30%

6.30%

5.30%

6.30%

5.30%

6.30%

6.30%

*Note: Senior citizen benefit is not applicable for single deposits of ₹3 crore and above.

Resident & NRE Term Deposits (Non-Withdrawable, ₹3 Crore and Above, Effective from 10-07-2025)

Period

₹3 Cr to ₹5 Cr

Above ₹5 Cr to ₹25 Cr

Above ₹25 Cr to ₹50 Cr

Above ₹50 Cr to ₹150 Cr

Above ₹150 Cr

91 days to 120 days

6.05%

6.05%

6.05%

6.05%

6.05%

121 days to 180 days

6.15%

6.15%

6.15%

6.15%

6.15%

181 days to 270 days

6.25%

6.25%

6.25%

6.25%

6.30%

271 days to less than 1 year

6.35%

6.35%

6.35%

6.35%

6.35%

1 year

6.50%

6.50%

6.55%

6.55%

6.60%

1 year 1 day to 15 months

6.50%

6.50%

6.50%

6.50%

6.50%

Above 15 months to 18 months

6.45%

6.45%

6.45%

6.45%

6.45%

Above 18 months to 2 years

6.45%

6.45%

6.45%

6.45%

6.45%

Above 2 years to 3 years

6.45%

6.45%

6.45%

6.45%

6.45%

Above 3 years to 5 years

6.45%

6.45%

6.45%

6.45%

6.45%

*Note: No senior citizen benefits for single deposits of ₹3 crore and above.
*Eligibility: Resident individuals, clubs, associations, educational institutions, partnerships, joint stock companies, and other eligible institutions.

Premature Withdrawal Penalty (Effective from 21-10-2022)

Rupee Term Deposits

Period of Deposit

Single Deposit < ₹3 Cr

Single Deposit ≥ ₹3 Cr

Up to and including 15 days

0%

1%

Above 15 days

1%

1%

Smart Deposit Scheme

Period of Deposit

Penal Interest

Up to and including 90 days

0%

Above 90 days

1%

*Note: Rates are subject to change without notice. For other terms and conditions, contact the nearest Federal Bank branch.

 

Bandhan Bank Fixed Deposit Interest Rates

Effective from July 02, 2025

Retail Domestic / Non-Resident Rupee Term Deposit Interest Rates

Applicable for deposits less than ₹3 crore

Maturity Bucket

Non-Senior Citizens

Senior Citizens

7 days to 14 days

3.00%

3.75%

15 days to 30 days

3.00%

3.75%

31 days to < 2 months

3.50%

4.25%

2 months to < 3 months

4.25%

5.00%

3 months to < 6 months

4.25%

5.00%

6 months to < 1 year

4.25%

5.00%

1 year

7.25%

7.75%

1 year 1 day to 1 year 9 months

7.25%

7.75%

1 year 9 months 1 day to < 2 years

7.25%

7.75%

2 years to < 3 years

7.40%

7.90%

3 years to < 5 years

7.25%

7.75%

5 years to 10 years

5.85%

6.60%

Tax Saver Fixed Deposit Interest Rates

Effective from December 04, 2023

TD Type

Non-Senior Citizens

Senior Citizens

Tax Saver Fixed Deposit

7.00%

7.50%

Notes:

  • Applicability: Rates apply to deposits < ₹3 crore.
  • Senior Citizen Rates: For Resident Indians only, proof of age mandatory.
  • Tax Benefits: Up to ₹1,50,000 tax exemption under Section 80C for Tax Saver Fixed Deposits.
  • Lock-in: Tax Saver Fixed Deposits have a 5-year lock-in, no premature closure.
  • TDS: Applicable on interest > ₹50,000 (Non-Senior) or ₹1,00,000 (Senior) annually. Form 15G/15H can be submitted if income < ₹2,50,000 (Non-Senior) or ₹12,00,000 (Senior).
  • Tax Saver Eligibility: Resident Indians, HUFs, NRO customers. Minimum deposit ₹1,000.
  • Penal Interest: 1% penalty on premature withdrawal (card rate for original or actual tenure, whichever is lower).
  • Minimum Tenure: 7 days (Domestic/NRO), 1 year (NRE). No interest if withdrawn within these periods.
  • PAN: Mandatory, else higher TDS as per Income Tax laws.
  • Interest Rates: Subject to change. Contact Bandhan Bank for deposits ≥ ₹3 crore.
  • Reinvestment Deposits: Interest reinvested post-TDS, affecting maturity amount.
  • NRE Premature Withdrawal: Interest paid within 1 year recovered from principal.

Domestic/NRO Bulk Deposit Interest Rates

Effective from July 11, 2025

With Premature Payment Facility (“Callable”)

Tenure

₹3 cr to ₹10 cr

> ₹10 cr to < ₹25 cr

₹25 cr to < ₹50 cr

₹50 cr and above

7 days to 15 days

3.00%

3.00%

3.00%

3.00%

16 days to < 1 month

3.25%

3.25%

3.25%

3.25%

1 month to < 2 months

5.00%

5.00%

5.00%

5.00%

2 months to < 3 months

5.35%

5.35%

5.35%

5.35%

3 months to < 4 months

5.75%

5.75%

5.75%

5.75%

4 months to < 5 months

5.75%

5.75%

5.75%

5.75%

5 months to < 6 months

5.85%

5.85%

5.85%

5.85%

6 months to < 7 months

5.85%

5.85%

5.85%

5.85%

7 months to < 8 months

5.85%

5.85%

5.85%

5.85%

8 months to < 9 months

5.95%

5.95%

5.95%

5.95%

9 months to < 10 months

5.95%

5.95%

5.95%

5.95%

10 months to < 11 months

5.95%

5.95%

5.95%

5.95%

11 months to < 12 months

5.95%

5.95%

5.95%

5.95%

12 months

6.75%

6.75%

6.75%

6.75%

12 months 1 day to < 13 months

6.75%

6.75%

6.75%

6.75%

13 months to < 14 months

6.55%

6.55%

6.55%

6.55%

14 months to < 15 months

6.55%

6.55%

6.55%

6.55%

15 months to < 16 months

6.15%

6.15%

6.15%

6.15%

16 months to < 17 months

6.15%

6.15%

6.15%

6.15%

17 months to < 18 months

6.15%

6.15%

6.15%

6.15%

18 months to < 2 years

6.15%

6.15%

6.15%

6.15%

2 years to < 3 years

6.15%

6.15%

6.15%

6.15%

3 years to < 5 years

5.55%

5.55%

5.55%

5.55%

5 years to 10 years

4.40%

4.40%

4.40%

4.40%

Without Premature Payment Facility (“Non-Callable”)

Tenure

₹3 cr to ₹10 cr

> ₹10 cr to < ₹25 cr

₹25 cr to < ₹50 cr

₹50 cr and above

7 days to 15 days

3.00%

3.00%

3.00%

3.00%

16 days to < 1 month

3.40%

3.40%

3.40%

3.40%

1 month to < 2 months

5.15%

5.15%

5.15%

5.15%

2 months to < 3 months

5.50%

5.50%

5.50%

5.50%

3 months to < 4 months

5.90%

5.90%

5.90%

5.90%

4 months to < 5 months

5.90%

5.90%

5.90%

5.90%

5 months to < 6 months

6.00%

6.00%

6.00%

6.00%

6 months to < 7 months

6.00%

6.00%

6.00%

6.00%

7 months to < 8 months

6.00%

6.00%

6.00%

6.00%

8 months to < 9 months

6.10%

6.10%

6.10%

6.10%

9 months to < 10 months

6.10%

6.10%

6.10%

6.10%

10 months to < 11 months

6.10%

6.10%

6.10%

6.10%

11 months to < 12 months

6.10%

6.10%

6.10%

6.10%

12 months

6.90%

6.90%

6.90%

6.90%

12 months 1 day to < 13 months

6.90%

6.90%

6.90%

6.90%

13 months to < 14 months

6.85%

6.85%

6.85%

6.85%

14 months to < 15 months

6.85%

6.85%

6.85%

6.85%

15 months to < 16 months

6.70%

6.70%

6.70%

6.70%

16 months to < 17 months

6.70%

6.70%

6.70%

6.70%

17 months to < 18 months

6.70%

6.70%

6.70%

6.70%

18 months to < 2 years

6.70%

6.70%

6.70%

6.70%

2 years to < 3 years

6.70%

6.70%

6.70%

6.70%

3 years to < 5 years

6.15%

6.15%

6.15%

6.15%

5 years to 10 years

4.90%

4.90%

4.90%

4.90%

NRE Bulk Deposit Interest Rates

Effective from July 11, 2025

With Premature Payment Facility (“Callable”)

Tenure

₹3 cr to ₹10 cr

> ₹10 cr to < ₹25 cr

₹25 cr to < ₹50 cr

₹50 cr and above

12 months

6.75%

6.75%

6.75%

6.75%

12 months 1 day to < 13 months

6.75%

6.75%

6.75%

6.75%

13 months to < 14 months

6.55%

6.55%

6.55%

6.55%

14 months to < 15 months

6.55%

6.55%

6.55%

6.55%

15 months to < 16 months

6.15%

6.15%

6.15%

6.15%

16 months to < 17 months

6.15%

6.15%

6.15%

6.15%

17 months to < 18 months

6.15%

6.15%

6.15%

6.15%

18 months to < 2 years

6.15%

6.15%

6.15%

6.15%

2 years to < 3 years

6.15%

6.15%

6.15%

6.15%

3 years to < 5 years

5.55%

5.55%

5.55%

5.55%

5 years to 10 years

4.40%

4.40%

4.40%

4.40%

Without Premature Payment Facility (“Non-Callable”)

Tenure

₹3 cr to ₹10 cr

> ₹10 cr to < ₹25 cr

₹25 cr to < ₹50 cr

₹50 cr and above

12 months

6.90%

6.90%

6.90%

6.90%

12 months 1 day to < 13 months

6.90%

6.90%

6.90%

6.90%

13 months to < 14 months

6.85%

6.85%

6.85%

6.85%

14 months to < 15 months

6.85%

6.85%

6.85%

6.85%

15 months to < 16 months

6.70%

6.70%

6.70%

6.70%

16 months to < 17 months

6.70%

6.70%

6.70%

6.70%

17 months to < 18 months

6.70%

6.70%

6.70%

6.70%

18 months to < 2 years

6.70%

6.70%

6.70%

6.70%

2 years to < 3 years

6.70%

6.70%

6.70%

6.70%

3 years to < 5 years

6.15%

6.15%

6.15%

6.15%

5 years to 10 years

4.90%

4.90%

4.90%

4.90%

Disclaimer:

  • Callable Deposits: 1% penalty on premature withdrawal based on ROI for actual tenure.
  • Deposits ≥ ₹10 crore: Require prior Treasury approval.
  • NRE Premature Withdrawal: Interest paid within 1 year recovered from principal.

IDBI Bank Fixed Deposit Interest Rates

Resident Term Deposit / NRO (< Rs. 3 Crore (w.e.f. June 12, 2025))

Maturity Slab

General Customers (% p.a.)

Senior Citizens (% p.a.)

0-6 Days

NA

NA

07-30 days

3.00

3.50

31-45 days

3.25

3.75

46-60 days

4.50

5.00

61-90 days

4.75

5.25

91 days to 6 months

5.50

6.00

6 months 1 day to 270 days

5.75

6.25

271 days to < 1 year

6.00

6.50

1 Year to 2 Years (except 444, 555, 700 Days)

6.55

7.05

> 2 Years to < 3 Years

6.70

7.20

3 Years to 5 Years

6.25

6.75

> 5 Years to 10 Years

5.95

6.45

> 10 Years to 20 Years*

4.80

5.30

Tax Saving FD (5 Years)

6.25

6.75

*Eligible only for specific beneficiaries (e.g., awards from courts, margin money for bank guarantees) from Jan 1, 2021.

General Terms & Conditions

  • NRO Tenure: 7 days to 10 years.
  • NRE Tenure: 1 year to 10 years.
  • Staff & Senior Citizen rates not applicable to NRO & NRE deposits.
  • No interest for deposits < 7 days.
  • Premature Withdrawal: Rate applicable for the period deposit remained with the bank, with a 1% penalty.
  • Retail Term Deposit Threshold: Enhanced to < Rs. 3 Crore from June 10, 2024 (previously < Rs. 2 Crore).

Utsav FD (Callable, w.e.f. June 12, 2025, valid till Sep 30, 2025)

Special Buckets

General/NRE/NRO (% p.a.)

Senior Citizens (% p.a.)

444 Days

6.85

7.35

555 Days

6.90

7.40

700 Days

6.75

7.25
  • Premature withdrawal permitted.
  • Staff/Senior Citizen rates not applicable to NRO/NRE.
  • Other term deposit conditions apply.

IDBI Chiranjeevi-Super Senior Citizen FD (w.e.f. June 12, 2025, for age ≥ 80 years)

Special Buckets

Super Senior Citizens (% p.a.)

444 Days

7.50

555 Days

7.55

700 Days

7.40
  • Applicable only for resident super senior citizens (≥ 80 years).
  • Premature withdrawal permitted.
  • Rates not applicable to NRO/NRE.
  • Valid till Utsav FD bucket duration.
  • Other term deposit conditions apply.

Suvidha Tax Saving Fixed Deposits (5 Years, w.e.f. June 12, 2025)

Category

Rate (% p.a.)

Normal Retail

6.25

Senior Citizens

6.75

Systematic Savings Plan (SSP/SSP Plus, w.e.f. June 12, 2025)

Maturity Slab

General Customers (% p.a.)

Senior Citizens (% p.a.)

1 Year to 2 Years

6.55

7.05

> 2 Years to < 3 Years

6.70

7.20

3 Years to 5 Years

6.25

6.75

> 5 Years to 10 Years

5.95

6.45
  • Premature Withdrawal: Rate for the period deposit remained, with a 1% penalty.

Non-Callable Bulk Term Deposits (BTD, w.e.f. June 24, 2025)

Maturity Slab

3 Cr to 7.5 Cr

>7.5 Cr to 10 Cr

>10 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 200 Cr

>200 Cr to 500 Cr

>500 Cr

91 – 180 days

6.01%

6.06%

6.16%

6.16%

6.16%

6.16%

6.16%

181 – 250 days

6.06%

6.16%

6.21%

6.21%

6.21%

6.21%

6.21%

251 days – 270 days

6.16%

6.21%

6.23%

6.23%

6.23%

6.23%

6.23%

271 days to < 1 year

6.21%

6.26%

6.26%

6.26%

6.26%

6.26%

6.26%

1 year

6.21%

6.28%

6.31%

6.31%

6.31%

6.31%

6.31%

>1 year to 1 year 3 months

6.16%

6.16%

6.16%

6.16%

6.16%

6.16%

6.16%

>1 year 3 months to 2 years

6.06%

6.06%

6.06%

6.16%

6.16%

6.16%

6.16%
  • Treasury consent required for deposits > Rs. 7.5 Cr.
  • Non-callable: No premature/partial withdrawal, sweep-in/out, or auto-renewal.
  • Rates subject to revision.

Callable Bulk Term Deposits (BTD, w.e.f. June 24, 2025)

Maturity Slab

3 Cr to 7.5 Cr

>7.5 Cr to 10 Cr

>10 Cr to 50 Cr

>50 Cr to 100 Cr

>100 Cr to 200 Cr

>200 Cr to 500 Cr

>500 Cr

7 – 14 days

4.25%

4.31%

4.31%

4.36%

4.36%

4.36%

4.36%

15 – 30 days

4.45%

4.51%

4.56%

4.61%

4.61%

4.61%

4.61%

31 – 45 days

4.76%

4.81%

4.91%

4.96%

4.96%

4.96%

4.96%

46 – 90 days

5.51%

5.61%

5.66%

5.66%

5.66%

5.66%

5.66%

91 – 180 days

5.96%

6.01%

6.11%

6.11%

6.11%

6.11%

6.11%

181 – 250 days

6.01%

6.11%

6.16%

6.16%

6.16%

6.16%

6.16%

251 days – 270 days

6.11%

6.16%

6.18%

6.18%

6.18%

6.18%

6.18%

271 days to < 1 year

6.16%

6.21%

6.21%

6.21%

6.21%

6.21%

6.21%

1 year

6.16%

6.23%

6.26%

6.26%

6.26%

6.26%

6.26%

>1 year to 1 year 3 months

6.11%

6.11%

6.11%

6.11%

6.11%

6.11%

6.11%

>1 year 3 months to 2 years

6.01%

6.01%

6.01%

6.11%

6.11%

6.11%

6.11%

>2 years to 36 months

6.01%

6.01%

6.01%

6.11%

6.11%

6.11%

6.11%

>36 months to 5 years

6.01%

6.01%

6.01%

6.11%

6.11%

6.11%

6.11%

>5 years to 7 years

6.01%

6.01%

6.01%

6.11%

6.11%

6.11%

6.11%

>7 years to 10 years

6.01%

6.01%

6.01%

6.11%

6.11%

6.11%

6.11%
  • Treasury consent required for deposits > Rs. 7.5 Cr.
  • Rates subject to revision.

NRO/NRE Term Deposit Rates (< Rs. 3 Crore, w.e.f. June 12, 2025)

Maturity Slab

NRO (% p.a.)

NRE (% p.a.)

07-14 days

3.00

–

15-30 days

3.00

–

31-45 days

3.25

–

46-60 days

4.50

–

61-90 days

4.75

–

91 days to 6 months

5.50

–

6 months 1 day to 270 days

5.75

–

271 days to < 1 year

6.00

–

1 Year

6.55

6.55

>1 Year to 2 Years (except 444, 555, 700 Days)

6.55

6.55

>2 Years to <3 Years

6.70

6.70

3 Years to <5 Years

6.25

6.25

5 Years

6.25

6.25

>5 Years to 7 Years

5.95

5.95

>7 Years to 10 Years

5.95

5.95

Utsav Callable FD (NRE/NRO, w.e.f. June 12, 2025, valid till Sep 30, 2025)

Special Buckets

NRE (% p.a.)

NRO (% p.a.)

444 Days

6.85

6.85

555 Days

6.90

6.90

700 Days

6.75

6.75
  • Premature withdrawal permitted.
  • No interest on NRE deposits closed prematurely in < 1 year.
  • Staff/Senior Citizen rates not applicable.
  • Other term deposit conditions apply.
  • Special Non-Callable Option FD discontinued from June 18, 2025.

AU Small Finance Bank Retail Fixed Deposits

 

Domestic & NRE/NRO Retail Fixed Deposit Interest Rates

Effective from 3rd July, 2025 (for amounts less than INR 3 Crore)

Tenure

Interest Rates (p.a.)

Annualized Yield

7 Days to 1 Month 15 Days

3.50%

–

1 Month 16 Days to 3 Months

4.75%

–

3 Months 1 Day to 6 Months

5.25%

5.35%

6 Months 1 Day to 12 Months

6.35%

6.50%

12 Months 1 Day to 15 Months

6.90%

7.08%

15 Months 1 Day to 18 Months

6.90%

7.08%

18 Months 1 Day to 24 Months

6.90%

7.08%

24 Months 1 Day to 36 Months

7.10% (Highest)

7.29% (Highest)

36 Months 1 Day to 45 Months

7.00%

7.19%

45 Months 1 Day to < 60 Months

6.75%

6.92%

60 Months to 120 Months

6.75%

6.92%

Non-Callable Retail Fixed Deposits (INR ≥1 Crore 1 Thousand to < 3 Crore)*

Not applicable to Non-Resident Indians (NRI)

Tenure

Interest Rates (p.a.)

Annualized Yield

12 Months 1 Day to 15 Months

7.00%

7.19%

15 Months 1 Day to 18 Months

7.00%

7.19%

18 Months 1 Day to 24 Months

7.00%

7.19%

24 Months 1 Day to 36 Months

7.20% (Highest)

7.40% (Highest)

Senior Citizen Fixed Deposits (for amounts less than INR 3 Crore)*

Applicable only for Resident Indian Senior Citizens with AU Small Finance Bank

Tenure

Interest Rates (p.a.)

Annualized Yield

7 Days to 1 Month 15 Days

4.00%

–

1 Month 16 Days to 3 Months

5.25%

–

3 Months 1 Day to 6 Months

5.75%

5.88%

6 Months 1 Day to 12 Months

6.85%

7.03%

12 Months 1 Day to 15 Months

7.40%

7.61%

15 Months 1 Day to 18 Months

7.40%

7.61%

18 Months 1 Day to 24 Months

7.40%

7.61%

24 Months 1 Day to 36 Months

7.60% (Highest)

7.82% (Highest)

36 Months 1 Day to 45 Months

7.50%

7.71%

45 Months 1 Day to < 60 Months

7.25%

7.45%

60 Months to 120 Months

7.25%

7.45%

Monthly Payout Fixed Deposits (for amounts less than INR 3 Crore)

Tenure

Resident/NRE/NRO Interest Rates (p.a.)

Senior Citizen Interest Rates (p.a.)

7 Days to 1 Month 15 Days

–

–

1 Month 16 Days to 3 Months

–

–

3 Months 1 Day to 6 Months

5.23%

5.72%

6 Months 1 Day to 12 Months

6.32%

6.81%

12 Months 1 Day to 15 Months

6.86%

7.35%

15 Months 1 Day to 18 Months

6.86%

7.35%

18 Months 1 Day to 24 Months

6.86%

7.35%

24 Months 1 Day to 36 Months

7.06% (Highest)

7.55% (Highest)

36 Months 1 Day to 45 Months

6.96%

7.45%

45 Months 1 Day to < 60 Months

6.71%

7.21%

60 Months to 120 Months

6.71%

7.21%

Planet First – AU Green Fixed Deposits (for amounts less than INR 3 Crore)

Tenure

Interest Rates (p.a.)

Annualized Yield

12 Months 1 Day to 15 Months

6.90%

7.08%

15 Months 1 Day to 18 Months

6.90%

7.08%

18 Months 1 Day to 24 Months

6.90%

7.08%

24 Months 1 Day to 36 Months

7.10%

7.29%

36 Months 1 Day to 45 Months

7.00%

7.19%

45 Months 1 Day to < 60 Months

6.75%

6.92%

60 Months to 120 Months

6.75%

6.92%

Bulk Fixed Deposits (INR 3 Crore to 10 Crore) – With Premature Withdrawal

Effective from 11th July, 2025

Tenure

Interest Rates (p.a.)

7 Days

5.25%

8 Days to 1 Month

5.00%

1 Month 1 Day to 1 Month 15 Days

5.25%

1 Month 16 Days to 2 Months

5.65%

2 Months 1 Day to 2 Months 9 Days

5.90%

2 Months 10 Days

5.75%

2 Months 11 Days to 2 Months 19 Days

5.90%

2 Months 20 Days to 3 Months

5.75%

3 Months 1 Day to 3 Months 9 Days

6.10%

3 Months 10 Days

6.00%

3 Months 11 Days to 4 Months

6.10%

4 Months 1 Day to 5 Months 28 Days

6.25%

5 Months 29 Days to 6 Months

6.00%

6 Months 1 Day to 9 Months

6.50%

9 Months 1 Day to 11 Months 24 Days

6.60%

11 Months 25 Days

6.00%

11 Months 26 Days to 12 Months

6.60%

12 Months 1 Day

6.00%

12 Months 2 Days to 13 Months

6.90%

13 Months 1 Day to 15 Months

7.00%

15 Months 1 Day to 18 Months

7.00%

18 Months 1 Day to 24 Months

7.00%

24 Months 1 Day to 36 Months

6.75%

36 Months 1 Day to 45 Months

6.75%

45 Months 1 Day to 60 Months

6.75%

60 Months 1 Day and Above

6.75%

Bulk Fixed Deposits (INR 3 Crore to 10 Crore) – Without Premature Withdrawal

Effective from 11th July, 2025

Tenure

Interest Rates (p.a.)

7 Days to 1 Month

5.00%

1 Month 1 Day to 1 Month 15 Days

5.35%

1 Month 16 Days to 2 Months

5.75%

2 Months 1 Day to 3 Months

6.00%

3 Months 1 Day to 4 Months

6.20%

4 Months 1 Day to 6 Months

6.35%

6 Months 1 Day to 9 Months

6.60%

9 Months 1 Day to 12 Months

6.70%

12 Months 1 Day to 13 Months

7.00%

13 Months 1 Day to 15 Months

7.10%

15 Months 1 Day to 18 Months

7.10%

18 Months 1 Day to 24 Months

7.10%

24 Months 1 Day to 36 Months

6.85%

36 Months 1 Day to 45 Months

6.85%

45 Months 1 Day to 60 Months

6.85%

60 Months 1 Day and Above

6.85%

Terms and Conditions

  1. Retail Fixed Deposits: Single deposits < INR 3 Crore, booked w.e.f. 8th June 2024.
  2. NRE Fixed Deposits: Tenures of 12 months 1 day & above applicable.
  3. Interest rates subject to change. Rates based on date/time of fund receipt.
  4. Senior Citizen rates: Only for Resident Indian Senior Citizens (60+ years).
  5. Interest calculation: Based on actual months/days (366 days in leap year, 365 in non-leap year).
  6. Premature closure: Lower of (i) base rate for original tenure or (ii) base rate for tenure in force. 1% penalty applies.
  7. NRE deposits: No interest if withdrawn before 1 year.
  8. Domestic deposits: No interest if withdrawn within 7 days.
  9. Non-Callable FDs: Cannot be closed before maturity.
  10. Bulk Deposits: Acceptance at Bank’s discretion. Rates for > INR 10 Cr, contact Relationship Manager/branch.
  11. Monthly Payout FDs: Available for tenures > 3 months, at discounted rates.
  12. Interest compounding/payout: Anniversary basis.
  13. Tax saver FDs: 60-month tenure, rates as above.
  14. Premature withdrawal of AU Green FD: Treated as regular FD with applicable rates.
  15. TDS: As per Income Tax Laws.
  16. Interbank Deposit rates: Contact AU Small Finance Bank branch.

Bank of Maharashtra Fixed Deposit Interest Rates

Domestic Term Deposits / NRO Term Deposits (w.e.f. 27.06.2025)

Special Schemes

Tenure

Less than Rs. 3 Cr

Rs. 3 Cr to Rs. 10 Cr

366 days

6.70%

–

555 days

6.60%

–

1777 days (Green Deposit)

6.10%

5.50%

 Regular Schemes

Tenure

Less than Rs. 3 Cr

Rs. 3 Cr to Rs. 10 Cr

Above Rs. 10 Cr to Rs. 100 Cr

Above Rs. 100 Cr to Rs. 400 Cr

Above Rs. 400 Cr

7 – 30 days

2.75%

2.75%

2.65%

2.65%

2.65%

31 – 45 days

3.00%

3.00%

3.50%

3.50%

3.50%

46 – 90 days

4.20%

4.50%

4.75%

4.75%

4.75%

91 – 119 days

4.50%

5.00%

5.00%

5.00%

5.00%

120 – 180 days

4.75%

5.00%

5.25%

5.25%

5.25%

181 – 270 days

5.00%

5.25%

5.50%

5.50%

5.50%

271 – 364 days

5.25%

5.50%

5.75%

5.75%

5.75%

365 days / 1 year

6.20%

6.20%

6.25%

6.25%

6.25%

> 1 year to 2 years

6.20%

6.20%

6.20%

6.20%

6.20%

> 2 years to 3 years

6.20%

5.50%

5.50%

5.50%

5.50%

> 3 years to 5 years

6.10%

5.50%

5.25%

5.25%

5.25%

> 5 years

6.10%

5.25%

–

–

–

 Notes:

  • Senior Citizens: Additional 0.50% p.a. for deposits up to Rs. 5 Cr (91 days and above, not applicable for NRO deposits).
  • Bank Staff/Retirees: Additional 1.00% p.a. for deposits up to Rs. 5 Cr.
  • Premature Withdrawal: Interest rate 1.00% below applicable rate for the period held.
  • Tax Saving Scheme: Up to Rs. 1.5 Lakh for 5 years.
  • Maximum Tenure: 10 years.
  • Auto Rollover: Not available for special schemes.

 

NRE Term Deposits

Special Schemes

Tenure

Less than Rs. 3 Cr

366 days

6.70%

555 days

6.60%

 Regular Schemes

Tenure

Less than Rs. 3 Cr

365 days / 1 year

6.20%

> 1 year to 2 years

6.20%

> 2 years to 3 years

6.20%

> 3 years to 5 years

6.10%

> 5 years

6.10%

 Notes:

  • Premature Withdrawal: No interest if closed before 1 year; 1% penalty on applicable rate after 1 year.
  • Senior Citizens: No additional interest.
  • NRE Savings Deposits: Up to 2.75% p.a.

UCO Bank Fixed Deposit Interest Rates

(w.e.f. 23.06.2025)
Domestic Term Deposits (< Rs. 3 Crores )

Maturity Period

Existing ROI (General)

Existing Yield

Revised ROI (General)

Revised Yield

7-14 days

2.90%

2.90%

2.90%

2.90%

15-29 days

2.90%

2.90%

2.90%

2.90%

30-45 days

3.00%

3.00%

3.00%

3.00%

46-60 days

3.50%

3.50%

3.50%

3.50%

61-90 days

3.50%

3.50%

3.50%

3.50%

91-120 days

4.50%

4.50%

4.25%

4.25%

121-150 days

4.50%

4.51%

4.25%

4.26%

151-180 days

5.00%

5.02%

4.75%

4.77%

181-332 days

5.50%

5.54%

5.00%

5.03%

333 days

6.85%

7.01%

6.30%

6.44%

334–364 days

5.50%

5.60%

5.00%

5.09%

1 year

6.50%

6.66%

6.25%

6.40%

Above 1 Yr–443 days

6.40%

6.56%

6.20%

6.35%

444 Days

6.90%

7.14%

6.60%

6.82%

445 days–2 yrs

6.40%

6.61%

6.20%

6.39%

Above 2 yrs–3 yrs

6.30%

6.66%

6.15%

6.49%

Above 3 yrs–5 yrs

6.20%

6.76%

6.10%

6.64%

Above 5 yrs

6.10%

7.07%

6.00%

6.94%

Note: 444-Day Special Scheme applies to NRE/NRO Term Deposits.

Additional Interest for Senior Citizens/Staff

Category

Up to 1 Year

Above 1 Year

Staff

1.00%

1.00%

Senior Citizen

0.25%

0.50%

Retired Staff Senior Citizen

1.25%

1.50%

UCO Green Deposit Scheme (< Rs. 3 Crores)

Tenor

Rate (General)

Effective ROI

12 Months

Card Rate + 0.20%

6.45%

1000 Days

Card Rate + 0.20%

6.35%

2000 Days

Card Rate + 0.20%

6.20%

3000 Days

Card Rate + 0.20%

6.20%

Additional Interest for Green Deposits

Category

Up to 1 Year

Above 1 Year

Senior Citizen

0.25%

0.50%

Staff Member

1.00%

1.00%

Ex-Staff & Senior Citizen

1.25%

1.50%

Bulk NRE Term Deposits (Rs. 3 Cr–Rs. 10 Cr, w.e.f. 06.06.2025)

Deposit Period

Existing ROI

Revised ROI

1 year

6.00%

5.75%

Above 1 year–2 years

6.00%

5.50%

Above 2 years–<3 years

5.25%

5.00%

3 years–<5 years

5.25%

4.75%

5 years & above

5.25%

4.75%

UCO Green Deposits (Bulk, Rs. 3 Cr & above)

  • Rate: 0.10% less than applicable card rate.

Domestic Bulk Deposits (> Rs. 10 Cr)

  • Contact nearest branch for rates (Single/Non-Callable).

Notes:

  • Deposits < 6 months: Simple interest.
  • Deposits ≥ 6 months: Compounded quarterly.
  • Year reckoning: 366 days (leap year), 365 days (non-leap year).

 

You may have missed

Top 8 Best Companies for Gold Loan: Who Will Save You Money in 2025?

Top 8 Gold Loan Companies in India: Who Will Save You Money in 2025?

Daily Finanacial 13 July 2025 7
Flawless ITR Filing: Can You Combine Two Businesses Under One PAN Without Penalties?

ITR Filing: Can You Combine Two Businesses Under One PAN Without Penalties?

Daily Finanacial 12 July 2025 3
Can PM Vidyalaxmi’s Zero-Collateral Loans Make IITs and IIMs Affordable for You?

Can PM Vidyalaxmi’s Zero-Collateral Loans Make IITs and IIMs Affordable for You?

Daily Finanacial 12 July 2025 4
How Udyogini Scheme is Transforming Lives: Is This India’s Biggest Women Empowerment Revolution?

How Udyogini Scheme is Transforming Lives: Is This India’s Biggest Women Empowerment Revolution?

Daily Finanacial 12 July 2025 4