Citi Bank Fixed Deposit

Out of all the different kind of bank accounts that a customer can ask for in any bank, fixed deposit is one. A fixed deposit account is one in which you need to deposit a fixed amount of money at regular periods.

There will be given a fixed period after which you can withdraw the entire amount of deposited money along with interest accumulated.

Citi Bank FD Rates in India
Tenure General Public FD Rates Senior Citizen FD Rates
7 days to 14 days 2.75% 3.25%
15 days to 25 days 3.00% 3.50%
26 days to 35 days 3.00% 3.50%
36 days to 45 days 3.00% 3.50%
46 days to 90 days 3.00% 3.50%
91 days to 120 days 3.00% 3.50%
121 days to 150 days 3.00% 3.50%
151 days to 180 days 3.00% 3.50%
181 days to 270 days 3.00% 3.50%
271 days to 400 days 3.00% 3.50%
401 days to 540 days 3.25% 3.75%
541 days to 731 days 3.25% 3.75%
732 days to 1095 days 4.00% 4.50%
1096 days to 1825 days 4.00% 4.50%

Fixed Deposit Accounts In Citi Bank

Citi Bank is one of the many banks in India which offer fixed deposit accounts. This bank is an excellent choice for an FD account as it gives you high rates of interest.

Citi Bank Fixed Deposit Account – Rate of Interest

The fixed deposit scheme of Citi Bank is top notch. And the rate of interest offered is also profitable throughout the year.

The Reserve Bank of India, or the RBI, sets some rules regarding the fixed deposit rates specification. However, Citi Bank helps you earn high profits despite the regulations. Especially if you are a businessman, you can earn high profits from the rates of interest on fixed deposits in Citi Bank.

Citi Bank Fixed Deposit Rates

It is advisable to reconfirm the FD Rates from the bank before making any decision on basis of data provided below.

For Domestic Deposits - Less than Rs. 2 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 10 days Less than Rs. 1 cr 3.00% 3.50%
11 days to 14 days Less than Rs. 1 cr 3.00% 3.50%
15 days to 25 days Less than Rs. 1 cr 3.25% 3.75%
26 days to 35 days Less than Rs. 1 cr 3.50% 4.00%
36 days to 45 days Less than Rs. 1 cr 4.50% 5.00%
46 days to 60 days Less than Rs. 1 cr 4.75% 5.25%
61 days to 90 days Less than Rs. 1 cr 4.75% 5.25%
91 days to 120 days Less than Rs. 1 cr 5.00% 5.50%
121 days to 150 days Less than Rs. 1 cr 5.00% 5.50%
151 days to 180 days Less than Rs. 1 cr 5.00% 5.50%
181 days to 270 days Less than Rs. 1 cr 5.25% 5.75%
271 days to 364 days Less than Rs. 1 cr 5.25% 5.75%
365 days to 400 days Less than Rs. 1 cr 5.25% 5.75%
401 days to 540 days Less than Rs. 1 cr 5.25% 5.75%
541 days to 731 days Less than Rs. 1 cr 5.50% 6.00%
732 days to 1095 days Less than Rs. 1 cr 5.50% 6.00%
1096 days and above Less than Rs. 1 cr 5.50% 6.00%

For Domestic Deposits - Rs 2 cr less than 2 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 10 days Rs 1 cr less than 2 cr 3.00% N.A
11 days to 14 days Rs 1 cr less than 2 cr 3.00% N.A
15 days to 25 days Rs 1 cr less than 2 cr 3.25% N.A
26 days to 35 days Rs 1 cr less than 2 cr 3.50% N.A
36 days to 45 days Rs 1 cr less than 2 cr 4.50% N.A
46 days to 60 days Rs 1 cr less than 2 cr 4.75% N.A
61 days to 90 days Rs 1 cr less than 2 cr 4.75% N.A
91 days to 120 days Rs 1 cr less than 2 cr 5.00% N.A
121 days to 150 days Rs 1 cr less than 2 cr 5.00% N.A
151 days to 180 days Rs 1 cr less than 2 cr 5.00% N.A
181 days to 270 days Rs 1 cr less than 2 cr 5.25% N.A
271 days to 364 days Rs 1 cr less than 2 cr 5.25% N.A
365 days to 400 days Rs 1 cr less than 2 cr 5.25% N.A
401 days to 540 days Rs 1 cr less than 2 cr 5.25% N.A
541 days to 731 days Rs 1 cr less than 2 cr 5.50% N.A
732 days to 1095 days Rs 1 cr less than 2 cr 5.50% N.A
1096 days and above Rs 1 cr less than 2 cr 5.50% N.A

 

For Domestic Deposits - Rs 2 cr less than 3 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 10 days Rs 2 cr less than 3 cr 5.50% N.A
11 days to 14 days Rs 2 cr less than 3 cr 5.00% N.A
15 days to 25 days Rs 2 cr less than 3 cr 5.00% N.A
26 days to 35 days Rs 2 cr less than 3 cr 4.75% N.A
36 days to 45 days Rs 2 cr less than 3 cr 5.00% N.A
46 days to 60 days Rs 2 cr less than 3 cr 5.00% N.A
61 days to 90 days Rs 2 cr less than 3 cr 5.00% N.A
91 days to 120 days Rs 2 cr less than 3 cr 5.00% N.A
121 days to 150 days Rs 2 cr less than 3 cr 5.00% N.A
151 days to 180 days Rs 2 cr less than 3 cr 4.75% N.A
181 days to 270 days Rs 2 cr less than 3 cr 4.75% N.A
271 days to 364 days Rs 2 cr less than 3 cr 4.75% N.A
365 days to 400 days Rs 2 cr less than 3 cr 4.75% N.A
401 days to 540 days Rs 2 cr less than 3 cr 4.75% N.A
541 days to 731 days Rs 2 cr less than 3 cr 4.75% N.A
732 days to 1095 days Rs 2 cr less than 3 cr 4.75% N.A
1096 days and above Rs 2 cr less than 3 cr 4.75% N.A

 

For Domestic Deposits - Rs 3 cr less than 5 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 10 days Rs 3 cr less than 5 cr 5.35% N.A
11 days to 14 days Rs 3 cr less than 5 cr 5.45% N.A
15 days to 25 days Rs 3 cr less than 5 cr 5.00% N.A
26 days to 35 days Rs 3 cr less than 5 cr 4.75% N.A
36 days to 45 days Rs 3 cr less than 5 cr 5.00% N.A
46 days to 60 days Rs 3 cr less than 5 cr 5.00% N.A
61 days to 90 days Rs 3 cr less than 5 cr 5.00% N.A
91 days to 120 days Rs 3 cr less than 5 cr 5.00% N.A
121 days to 150 days Rs 3 cr less than 5 cr 5.00% N.A
151 days to 180 days Rs 3 cr less than 5 cr 4.75% N.A
181 days to 270 days Rs 3 cr less than 5 cr 4.75% N.A
271 days to 364 days Rs 3 cr less than 5 cr 4.75% N.A
365 days to 400 days Rs 3 cr less than 5 cr 4.75% N.A
401 days to 540 days Rs 3 cr less than 5 cr 4.75% N.A
541 days to 731 days Rs 3 cr less than 5 cr 4.75% N.A
732 days to 1095 days Rs 3 cr less than 5 cr 4.75% N.A
1096 days and above Rs 3 cr less than 5 cr 4.75% N.A

 

For Domestic Deposits - Rs 5 cr less than 10 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 10 days Rs 5 cr less than 10 cr 3.25% N.A
11 days to 14 days Rs 5 cr less than 10 cr 4.60% N.A
15 days to 25 days Rs 5 cr less than 10 cr 5.35% N.A
26 days to 35 days Rs 5 cr less than 10 cr 4.75% N.A
36 days to 45 days Rs 5 cr less than 10 cr 5.00% N.A
46 days to 60 days Rs 5 cr less than 10 cr 5.00% N.A
61 days to 90 days Rs 5 cr less than 10 cr 5.00% N.A
91 days to 120 days Rs 5 cr less than 10 cr 5.00% N.A
121 days to 150 days Rs 5 cr less than 10 cr 5.00% N.A
151 days to 180 days Rs 5 cr less than 10 cr 4.75% N.A
181 days to 270 days Rs 5 cr less than 10 cr 4.75% N.A
271 days to 364 days Rs 5 cr less than 10 cr 4.75% N.A
365 days to 400 days Rs 5 cr less than 10 cr 4.75% N.A
401 days to 540 days Rs 5 cr less than 10 cr 4.75% N.A
541 days to 731 days Rs 5 cr less than 10 cr 4.75% N.A
732 days to 1095 days Rs 5 cr less than 10 cr 4.75% N.A
1096 days and above Rs 5 cr less than 10 cr 4.75% N.A

 

Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
Tax Saver Deposits - 5 years Upto Rs. 1 lakh 5.75 N.A

 

Tax Implications:

  1. The amount invested in Fixed Deposit with a tenure of 5 years with Citi Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.
  2. The applicable tax will be deducted at source, i.e. Citi Bank, in case the annual interest earned crosses Rs. 10,000.

For NRE Fixed Deposit - Less than Rs. 2 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 400 days Less than Rs. 1 cr 5.25%
401 days to 540 days Less than Rs. 1 cr 5.25%
541 days to 731 days Less than Rs. 1 cr 5.50%
732 days to 1095 days Less than Rs. 1 cr 5.50%
1096 days and above Less than Rs. 1 cr 5.50%

 

For NRE Fixed Deposit - Rs 1 cr less than 2 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 400 days Rs 1 cr less than 2 cr 5.3
401 days to 540 days Rs 1 cr less than 2 cr 5.3
541 days to 731 days Rs 1 cr less than 2 cr 5.3
732 days to 1095 days Rs 1 cr less than 2 cr 5.3
1096 days and above Rs 1 cr less than 2 cr 5.3

 

For NRE Fixed Deposit - Rs 2 cr less than 3 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 400 days Rs 2 cr less than 3 cr 4.75%
401 days to 540 days Rs 2 cr less than 3 cr 4.75%
541 days to 731 days Rs 2 cr less than 3 cr 4.75%
732 days to 1095 days Rs 2 cr less than 3 cr 4.75%
1096 days and above Rs 2 cr less than 3 cr 4.75%

 

For NRE Fixed Deposit - Rs 3 cr less than 5 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 400 days Rs 3 cr less than 5 cr 4.75%
401 days to 540 days Rs 3 cr less than 5 cr 4.75%
541 days to 731 days Rs 3 cr less than 5 cr 4.75%
732 days to 1095 days Rs 3 cr less than 5 cr 4.75%
1096 days and above Rs 3 cr less than 5 cr 4.75%

 

For NRE Fixed Deposit - Rs 5 cr less than 10 cr effective from October 16, 2019

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
365 days to 400 days Rs 5 cr less than 10 cr 4.75%
401 days to 540 days Rs 5 cr less than 10 cr 4.75%
541 days to 731 days Rs 5 cr less than 10 cr 4.75%
732 days to 1095 days Rs 5 cr less than 10 cr 4.75%
1096 days and above Rs 5 cr less than 10 cr 4.75%
Written By: PolicyBazaar - Updated: 31 July 2020
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