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Bandhan Bank FD Rates
Bandhan Bank Fixed deposit interest rates range from 2.95% to 7.45% p.a. for the general public and 3.70% p.a. to 7.95% p.a. for senior citizens. The tenure for investment ranges from 7 days to 10 years. For a Tax Saver FD, the interest rates for general citizens is 6.25% and 7.25% for senior citizens, with a fixed tenure of 5 years.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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FD Interest Rates
- Bandhan Bank FD Rates
Bandhan Bank FD Scheme Options
Bandhan Bank provides FD schemes to NRIs (such as NRE, NRO and FCNR (B) Fixed Deposit) and resident citizens. FCNR (B) Fixed Deposits may be opened in US Dollar (USD), British Pound Sterling (GBP) and Euro (EUR).
Bandhan Bank FD Interest Rates (p.a.) Highlights
The table below highlights the key FD interest rates across popular tenures, including the highest slab rate and Tax Saving FD rates.
| Tenure | Interest Rates |
| Highest slab rate | 7.45% (tenure: 2 years to 3 years) |
| For 1 year | 7.00% |
| For 2 years | 7.45% |
| For 3 years | 7.25% |
| For 4 years | 7.25% |
| For 5 years | 5.85% |
| Tax-Saving FD | 6.25% |
*The interest rates are updated as of 20 June 2026
Bandhan Bank FD Interest Rates
FD Interest Rates for Domestic/NRE Deposits of Less than ₹3 crore w.e.f. 20 June 2026
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days – 14 days | 2.95 | 3.70 |
| 15 days – 30 days | 2.95 | 3.70 |
| 31 days – less than 2 months | 3.45 | 4.20 |
| 2 months – less than 3 months | 4.20 | 4.95 |
| 3 months – less than 6 months | 4.20 | 4.95 |
| 6 months – less than 1 year | 4.20 | 4.95 |
| 1 year | 7.00 | 7.50 |
| 1 year 1 day – 1 year 9 months | 7.00 | 7.50 |
| 1 year 9 months 1 day – less than 2 years | 7.00 | 7.50 |
| 2 years – less than 3 years | 7.45 | 7.95 |
| 3 years – less than 5 years | 7.25 | 7.75 |
| 5 years – 10 years | 5.85 | 6.60 |
Note:
- The minimum tenure of Non-Residential External (NRE) fixed deposits is 1 year.
- Only resident Indians are given the additional senior citizen interest rates.
Bandhan Bank Tax Saver Deposit w.e.f. 9 August 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years – 10 years | 6.25 | 7.25 |
Interest Rates on FCNR (B) Deposits as of July 2026
Bandhan Bank provides FCNR (B) Fixed Deposits with select foreign currencies to Non-Resident Indians. The rates below become effective from July 2026.
| Tenure/Currency | Interest Rates (% p.a.) | |||
| USD | GBP | EUR | ||
| Less than 1 million | 1 million and above | |||
| 1 year only | 3.50 | 3.50 | – | – |
| 1 year 1 day – less than 2 years | 3.50 | 3.50 | 3.48 | NA |
| 2 years – less than 3 years | 3.50 | 3.50 | NA | NA |
| 3 years – less than 4 years | 7.00 | 7.10 | NA | NA |
| 4 years – less than 5 years | 7.00 | 7.10 | NA | NA |
| 5 years only | 7.00 | 7.10 | NA | NA |
Note:
- For deposits of exactly 1 year, interest is paid without compounding. For deposits of more than 1 year, interest is compounded half-yearly.
- There is no interest payable in case the FCNR deposit is withdrawn before the completion of 1 year.
Types of Bandhan Bank Fixed Deposit Scheme
Bandhan Bank has various Fixed Deposit schemes to fulfill various investment requirements.
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Standard Fixed Deposit
The Standard Fixed Deposit offers guaranteed returns and has a flexible investment duration and periodical payment of interest.
- Minimum Deposit: ₹1,000
- Term: 7 days to 10 years.
- Interest Payout: Monthly or quarterly
- Premature Withdrawal: Permitted
- Nomination & Auto Renewal: Available
- Loan/Overdraft: Can be availed against the deposit
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Dhan Samriddhi Fixed Deposit (Reinvestment of Interest Component)
Dhan Samriddhi Fixed Deposit is a cumulative FD scheme where the interest is reinvested with the principal, making it suitable for medium- and long-term savings goals.
- Minimum Deposit: ₹5,000
- Tenure: 6 months to 10 years
- Interest Option: Interest is compounded and paid at maturity
- Nomination & Auto Renewal: Available
- Loan/Overdraft: Can be obtained against the deposit.
- Premature Closure: Allowed as per the bank's terms
- Senior Citizen Benefit: Additional interest is available only for resident senior citizens.
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Neo+ Digital Fixed Deposit
Neo+ Digital Fixed Deposit gives eligible customers the option of opening an FD without stepping out of their comfort zone to visit a bank branch.
- Deposit Amount: ₹1,000 to ₹2 lakh
- Term: 7 days to 10 years.
- Mode of Opening: Digital with Video KYC
- Customer Requirement: No mandatory existing Bandhan Bank account.
- Available Options: Tax Saver and Regular Fixed Deposits
- Documentation: Aadhaar linked with mobile number and PAN linked with Aadhaar are required.
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Premium Fixed Deposit
Premium Fixed Deposit is designed to serve customers who invest large deposits and require flexibility in the interest payouts.
- Minimum Deposit: ₹2 crore
- Tenure: 7 days to 10 years
- Interest Payout: Monthly or quarterly
- Premature Closure: Allowed
- Loan/Overdraft: Available
- Nomination Facility: Available
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Tax Saver Fixed Deposit
The Tax Saver Fixed Deposit is aimed at eligible investors seeking tax deductions under the applicable provisions of the Income-tax Act, 2025.
- Deposit Amount: ₹1,000 to ₹1.5 lakh in a financial year
- Lock-in Period: 5 years
- Nomination Facility: Available
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Advantage Fixed Deposit
Advantage Fixed Deposit is a cumulative deposit which has compounding advantage plus flexibility of withdrawal and borrowing.
- Minimum Deposit: ₹1,000
- Tenure: 6 months to 10 years
- Interest Option: Interest is reinvested up to maturity.
- Premature Closure: Permitted
- Loan/Overdraft: Available
- Nomination & Auto Renewal: Available
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Super Saver Fixed Deposit
The Super Saver Fixed Deposit is designed for customers who save small amounts daily. Daily deposits made are swept into a Fixed Deposit once they have met the necessary limit.
- Daily Deposit Amount: ₹10 to ₹8,000
- Tenure: 1 year
- Collection Facility: Collection at the doorstep daily.
- Auto Transfer: When the savings exceed the stipulated limit, it is transferred to a one-year Fixed Deposit.
- Savings Access: Small amounts may be withdrawn via the linked savings account.
- Additional Benefit: Customers can also apply for a Micro Bazaar Loan.
Types of Bandhan Bank FD for NRIs
Bandhan Bank has a variety of Fixed Deposits programs available to NRIs to suit various savings and investment requirements.
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NRE Fixed Deposit
The NRE Fixed Deposit allows NRIs to invest their foreign earnings in Indian rupees with repatriation benefits.
- Minimum Deposit: ₹1,000
- Tenure: 1 year to 10 years
- Repatriation: Principal and interest are completely repatriable.
- Interest Payout: Either monthly or quarterly.
- Nomination & Auto Renewal: Available
- Loan/Overdraft: Available
- Premature Closure: Permitted
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NRO Fixed Deposit
The NRO Fixed Deposit is an effective way to deposit income received in India with a flexible tenure.
- Minimum Deposit: ₹1,000
- Tenure: 7 days to 10 years
- Repatriation: Up to USD 1 million per financial year, subject to RBI guidelines
- Interest Payout: Monthly or quarterly
- Nomination & Auto Renewal: Available
- Loan/Overdraft: Available
- Premature Closure: Permitted
Premature Withdrawal Facility
Bandhan Bank allows premature withdrawal of eligible Fixed Deposits, subject to its applicable terms and conditions. The applicable interest rate is the lower of the contracted rate and the rate applicable for the actual period the deposit was held with the bank. A 1% penalty is then deducted from this applicable rate to arrive at the final interest payable
Bandhan Bank Loan/Overdraft against FD
Bandhan Bank enables the customers to borrow on eligible Fixed Deposits without having to redeem their deposit before the maturity date.
- Loan Amount: Up to 90% of the deposit value
- Maximum Loan Tenure: Up to 5 years
- Processing Charges: Nil
- Interest Rate: The interest rate is usually 1.50% to 2.00% above the prevailing FD interest rate, according to the policy of the bank.
Bandhan Bank FD Calculator
The Bandhan Bank FD Calculator is an online tool which assists to estimate the maturity value and overall gained FD interest rates. Users enter the deposit amount, tenure, applicable interest rate, and preferred interest payout frequency (monthly, quarterly, or at maturity). According to this information, the calculator immediately approximates the value of maturity and the amount of interest to be paid, hence it is more convenient to compare the various Fixed Deposit plans before investing.
FAQs
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What is the highest Bandhan Bank FD interest rate?
Bandhan Bank offers a maximum interest rate of 7.45% p.a. for regular citizens and 7.95% p.a. for senior citizens on Fixed Deposits with a tenure of 2 years to less than 3 years. -
What is the interest rate on Bandhan Bank Tax Saver FD?
Bandhan Bank Tax Saver Fixed Deposit offers 6.25% p.a. interest rate for regular citizens and 7.25% p.a. interest rate for senior citizens. -
Is Bandhan Bank providing extra interest rate for senior citizens?
Yes. Domestic Fixed Deposits are given an extra interest rate for eligible resident senior citizens. -
Are there Fixed Deposits for NRIs in Bandhan Bank?
Yes. Bandhan Bank provides NRE, NRO and FCNR (B) Fixed Deposit to eligible NRIs. -
Is it possible to take a loan on Bandhan Bank FD?
Yes. Customers who are eligible can get a loan or an overdraft facility on their Fixed Deposits on the bank's terms and conditions. -
How can I calculate the maturity amount of my FD?
You can use the Bandhan Bank FD Calculator by entering the deposit amount, tenure, applicable interest rate, and interest payout option to estimate the maturity amount and interest earnings.
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10 Feb 2026
Fixed Deposit (FD) interest rates in India currently range from
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ