Download the Policybazaar app
to manage all your insurance needs.
Bandhan Bank FD Interest 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, effective from June 20, 2026. The FD tenure ranges from 7 days to 10 years for deposits below ₹3 crore.
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
-
Home
-
FD Interest Rates
- Bandhan Bank FD Rates
Bandhan Bank Fixed Deposit Rates Overview
| Tenure | 7 days to 10 years |
| General Citizens Interest Rates | 2.95% - 7.45% p.a. |
| Senior Citizens Interest Rates | 3.70% - 7.95% p.a. |
| Highest Return Tenure | 7.45% p.a. (2 years to 3 years) |
| Tax Saver Fixed Deposit | 6.25% p.a. (general public) | 7.25% p.a. (senior citizens ) |
Bandhan Bank FD Interest Rates (Below ₹3 Cr.)
Bandhan Bank gives the highest FD rates for a tenure of 2 years to 3 years, up to 7.45% p.a. for general citizens and 7.95% p.a. for senior citizens, effective from June 20, 2026 (last verified in September 2026):
| Tenure | General Citizens (p.a.) | Senior Citizens (p.a.) |
| 7 days to 14 days | 2.95% | 3.70% |
| 15 days to 30 days | 2.95% | 3.70% |
| 31 days to less than 2 months | 3.45% | 4.20% |
| 2 months to less than 3 months | 4.20% | 4.95% |
| 3 months to less than 6 months | 4.20% | 4.95% |
| 6 months to less than 1 year | 4.20% | 4.95% |
| 1 year | 7.00% | 7.50% |
| 1 year 1 day to 1 year 9 months | 7.00% | 7.50% |
| 1 year 9 months 1 day to less than 2 years | 7.00% | 7.50% |
| 2 years to less than 3 years | 7.45% (Highest) | 7.95% (Highest) |
| 3 years to less than 5 years | 7.25% | 7.75% |
| 5 years to up to 10 years | 5.85% | 6.60% |
*Bandhan Bank FD interest rates w.e.f. June 20, 2026, as per the IRDAI Regulations, 2024.
Bandhan Bank FD Interest Rates: Key Highlights
Below are the important things you should know about Bandhan Bank fixed deposit interest rates:
| Features | Details |
| FD interest rates | 2.95% - 7.45% |
| Senior Citizens Rates | 0.50% to 0.75% additional |
| Deposit Tenure | 7 days to 10 years |
| Minimum Deposit | ₹1,000 |
| Interest payout options | Monthly, half-yearly, yearly, cumulative |
| Premature Withdrawal | Penalty of 1% on the interest earned |
| Loan against FD | Up to 90% of your total fixed/term deposit value |
| Sweep-in/Sweep-out | Both Sweep-in / Sweep-out available |
| Secure Credit Options | Available through Bandhan Bank credit card on FD |
How Are Bandhan Bank FD Interest Rates Decided?
Bandhan Bank updates its FD interest rates based on simple economic factors, overall market trends, and guidelines from the RBI.
- RBI Policy Rates: When the central bank changes key interest rates (like the repo rate), it directly impacts overall FD interest rates, influencing how much interest banks offer across savings and fixed deposits.
- Loan Demand vs. Savings Deposits: If more customers are taking loans than depositing money, Bandhan Bank may raise its FD interest rates to encourage more savings.
- Cash Supply in the Banking System: When cash flow in the overall banking market is tight, banks offer higher FD returns to attract new deposits.
- Deposit Duration (Tenure): Interest rates differ depending on how long you keep your money locked in. Rates vary across short-term, medium-term, and long-term options ranging from 7 days to 10 years.
Bandhan Bank FD Interest Rates (Above 3 Crore)
Bandhan Bank offers bulk deposit rates of callable and non- callable above 3 crore, effective from September 09, 2026 (Last verified in September 2026)
| Tenure | Callable (p.a.) | Non-Callable (p.a.) |
| 7 days to 15 days | 3.00% | 3.00% |
| 16 days < 1 month | 3.25% | 3.25% |
| 1 month < 2 months | 3.25% | 3.50% |
| 2 months < 3 months | 3.25% | 3.50% |
| 3 months < 4 months | 3.25% | 3.50% |
| 4 months < 5 months | 3.25% | 3.50% |
| 5 months < 6 months | 3.25% | 3.50% |
| 6 months < 7 months | 3.25% | 3.50% |
| 7 months < 8 months | 5.00% | 5.25% |
| 8 months < 9 months | 5.00% | 5.25% |
| 9 months < 10 months | 5.00% | 5.25% |
| 10 months < 11 months | 5.00% | 5.25% |
| 11 months < 12 months | 5.00% | 5.25% |
| 12 months | 5.00% | 5.25% |
| 12 months 1 day < 13 months | 5.00% | 5.25% |
| 13 months < 14 months | 5.00% | 5.25% |
| 14 months < 15 months | 5.00% | 5.25% |
| 15 months < 16 months | 5.00% | 5.25% |
| 16 months < 17 months | 5.00% | 5.25% |
| 17 months < 18 months | 5.00% | 5.25% |
| 18 months < 2 years | 5.00% | 5.25% |
| 2 years to less than 3 years | 5.00% | 5.25% |
| 3 years to less than 5 years | 5.00% | 5.25% |
| 5 years to 10 years | 4.40% | 4.90% |
Note: Bandhan Bank FD interest rates w.e.f. September 09, 2026, as per the IRDAI Regulations, 2024. The above rates apply to general citizens for deposits of ₹3 crore to ₹10 crore.
Interest Rates for Bandhan Bank Tax-Saving FD
The Bandhan Bank tax- saver FD offers interest rates of 6.25% for general citizens and 7.25% p.a. for senior citizens on the fixed 5-year tenure. It allows a minimum deposit of ₹1,000 up to a maximum of ₹1,50,000 per financial year.
Bandhan’s Tax Saver FD interest payout is available monthly, quarterly, or cumulative upon maturity, with no allowance or payout permitted before the completion of the 5-year lock-in period. You can claim tax deductions of up to ₹1.5 lakh under Section 123 (previously Section 80C; available only if you opt for the old tax regime) of the Income Tax Act.
Bandhan Bank Senior Citizens FD Rates
The Bandhan Bank senior citizen FD interest rates get 0.50% to 0.75% extra, which reaches up to 7.95% p.a. on standard fixed deposits below ₹3 crore for a tenure of 2 years to less than 3 years, effective from June 20, 2026.
| Tenure | Interest Rates for Senior Citizens |
| 7 days to 14 days | 3.70% |
| 15 days to 30 days | 3.70% |
| 31 days to less than 2 months | 4.20% |
| 2 months to less than 3 months | 4.95% |
| 3 months to less than 6 months | 4.95% |
| 6 months to less than 1 year | 4.95% |
| 1 year | 7.50% |
| 1 year 1 day to 1 year 9 months | 7.50% |
| 1 year 9 months 1 day to less than 2 years | 7.50% |
| 2 years to less than 3 years | 7.95% |
| 3 years to less than 5 years | 7.75% |
| 5 years to up to 10 years | 6.60% |
Bandhan Bank Senior Citizens FD Rates w.e.f. June 20, 2026 as per the IRDAI regulations, 2024
Senior Citizens Tax Saver Fixed Deposit Interest Rate w.e.f. August 09, 2025
| TD Type | Interest Rates for Senior Citizens |
| Tax Saver Fixed Deposit | 7.25% |
Choose Secure Investment Options
Traditional fixed deposits keep your money safe, but taxes and rising prices can take away your returns over time. Guaranteed return plans give you a better way to grow your savings with zero risk. You get fixed interest rates locked in for the long term, tax-free earnings, and built-in life insurance protection. If you want to build lasting wealth rather than just investing your cash, switching to a guaranteed return plan is the smarter choice.
FAQs
-
What is Bandhan Bank FD interest rate?
The current FD rates offered by Bandhan Bank range from 2.95% to 7.25% p.a. for the general public, and from 3.70% to 7.75% p.a. for senior citizens. -
What is the senior citizens' FD rate for Bandhan Bank?
Bandhan Bank offer senior citizens FD rates up to 7.95% p.a. for a tenure of 2 years to less than 3 years. -
What are the Bandhan Bank short-term FD rates?
The Bandhan Bank short-term FD offers interest rates of 2.95% - 7.00% p.a. for general depositors and 3.70% - 7.50% p.a. for senior depositors for the tenure of 7 days to 1 year. -
What is the minimum amount required to open a Bandhan Bank Tax Saver Fixed Deposit?
The minimum amount required to open a Bandhan Bank Tax Saver Fixed Deposit is ₹1,000. -
Is it possible to take a loan against my Bandhan Bank FD?
Yes, Bandhan Bank allows customers to avail of a loan of up to 90% of the FD amount. Customers must pay a deposit rate plus 1.5% to 2% interest for loans against FD.
FD Calculator
Interest Earned
Maturity AmountFD Rates Articles
Recent Articles
Popular Articles
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