Bandhan Bank offers fixed deposits with interest rates ranging from 3.00% to 7.40% per annum, for the general public and 3.75% p.a. to 7.90% p.a. for senior citizens, depending on the deposit amount, chosen tenure, and customer category. You can invest for durations ranging from 7 days to 10 years. Senior citizens who are residents of India may benefit from preferential rates (usually 0.50% higher). You can also choose between callable and non-callable deposit types, with a 1% penalty on early withdrawals for callable FDs.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
What is a Bandhan Bank Fixed Deposit?
Bandhan Bank FD schemes are known for attractive interest rates, easy withdrawal, and a low minimum balance. When you deposit a fixed lump sum for a predetermined tenure, you earn higher FD interest rates, which are guaranteed irrespective of market conditions. With schemes like Neo+ Digital, the bank enables a seamless FD booking experience. Customers get to enjoy features like paperless account opening, no branch visit, and video KYC, among other flexibilities.
Information About FDs & Other Options
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
Information About
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits & Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
6.9%* (TAX-FREE)
Returns After Tax
6.9%*
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
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*For annual premium upto ₹5 Lacs
Bandhan Bank FD Interest Rates: Key Highlights
Tenure
3 months to 10 years
Minimum Deposit Amount
Rs 1,000
Maximum Deposit Amount
NIL
Loan Facility
Up to 90%
Nomination Facility
Available
TDS
Available under Section 80C
Auto-Renewal
Yes available
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#Premature withdrawal involves penalties as per the bank’s policy; charges and rules differ for callable and non-callable fixed deposits. ~The bank may reduce applicable interest rates or levy charges for loans against fixed deposits.
Bandhan Bank FD Latest Updates
Bandhan Bank of India, being one of the small finance banks that has its rate revision on July 2, 2025, senior citizens can now earn up to 7.90% interest, offering one of the most attractive returns in the fixed income segment.
Bandhan Bank FD Interest Rates
The tables below present the applicable Bandhan Bank FD interest rates across different tenures and deposit amounts.
Tenure
Regular Rates
Current Rates
Senior Citizen
7 Days to 14 Days
3.00%
3.75%
15 Days to 1 Month
3.00%
3.75%
1 Month 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 12 Months
4.25%
5.00%
1 Year
7.25%
7.75%
1 Year to 1 Year
7.25%
7.75%
1.8 Years 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
7.00%
7.50%
5 Years to 10 Years
5.85%
6.60%
Tenure
₹3 Crore up to ₹10 Crore (% p.a.)
Above ₹10 Crore to less than ₹25 Crore (% p.a.)
7 Days to 15 Days
3.00%
3.00%
16 Days to less than 1 Month
3.25%
3.25%
1 Month to less than 2 Months
5.00%
5.00%
2 Months to less than 3 Months
5.35%
5.35%
3 Months to less than 4 Months
6.00%
6.00%
4 Months to less than 5 Months
5.75%
5.75%
5 Months to less than 6 Months
5.85%
5.85%
6 Months to less than 7 Months
5.85%
5.85%
7 Months to less than 8 Months
5.85%
5.85%
8 Months to less than 9 Months
5.95%
5.95%
9 Months to less than 10 Months
6.30%
6.30%
10 Months to less than 11 Months
6.30%
6.30%
11 Months to less than 12 Months
6.30%
6.30%
12 Months
7.00%
7.00%
12 Months 1 day to <13 months
7.00%
7.00%
13 Months to less than 14 Months
6.55%
6.55%
14 Months to less than 15 Months
6.55%
6.55%
15 Months to less than 16 Months
6.15%
6.15%
16 Months to less than 17 Months
6.15%
6.15%
17 Months to less than 18 Months
6.15%
6.15%
18 Months to less than 2 Years
6.15%
6.15%
2 Years to less than 3 Years
6.15%
6.15%
3 Years to less than 5 Years
5.55%
5.55%
5 Years to 10 Years
4.40%
4.40%
*Bandhan Bank FD interest rates w.e.f. July 02, 2025
Types of Bandhan Bank FD Schemes
Neo+ Digital Fixed Deposit (MODs)
Neo+ Digital Fixed Deposit is a contactless, paperless, and video KYC-based FD that is available through the Neo+ platform of Bandhan Bank. No prior relationship is required.
Minimum Deposit Amount : Rs 1,000
Maximum Deposit Amount : Rs 2,00,000
Tenure : 7 years to 10 years
Documentation Process : Paperless
Standard Fixed Deposit
The depositors have the option to receive monthly or quarterly interest earnings, and the product allows partial withdrawal, early redemption, auto-renewal, nomination, and a loan or overdraft facility against the deposit.
Tenure : 7 days to 10 years
Partial or Premature Withdrawal : Available
Minimum Deposit : Rs 1,000
Automatic Renewal Option : Available
Dhan Samriddhi Fixed Deposit
It is planned in such a way that it will help you to achieve your short-term financial objectives like marriage, festivals, travel, education, or home renovation. It is a safe and flexible way of planning future expenditures.
Tenure : 6 months to 10 years
Minimum face value: Rs 5,000
Overdraft Against Fixed Deposit : Available
Nomination Facility : Available
Tax Saver Fixed Deposit
Tax Saver Fixed Deposit is a safe investment that provides a tax savings advantage under Section 80C of the Income Tax Act, and the deduction is up to 1.5 lakhs in a year. It includes a compulsory 5-year lock-in period, offers guaranteed returns, and is a perfect product to suit risk-averse individuals.
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
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Key Benefits of Bandhan Bank Fixed Deposits
01
Attractive Interest Rates
General citizens can earn up to 7.40% per annum on Bandhan Bank FDs, depending on the deposit amount and selected tenure.
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02
Senior Citizen Advantage
Bandhan Bank provides additional interest rates for resident senior citizens with valid age proof. These special rates apply only to Resident Indians. Senior citizens get rates as high as 7.90%.
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03
Variety of Schemes
Choose from multiple Bandhan Bank FD options like Neo+ Digital, Standard, Premium, Tax Saver, Advantage, and Dhan Samriddhi.
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04
Premature Withdrawal
Most Bandhan Bank FDs allow premature withdrawal with a 1% penalty on the applicable interest rate. However, this facility is not available for Tax Saver FDs.
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05
Low Minimum Deposit
You can start a Bandhan Bank fixed deposit with as little as ₹1,000.
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06
Loan Against FD
In case of urgent financial needs, customers can avail a loan of up to 90% of the FD amount instead of breaking the deposit. You must pay a deposit rate plus 1.5% to 2% interest.
Read more
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How to Open a Bandhan Bank Fixed Deposit
Follow these simple steps to open a Fixed Deposit with Bandhan Bank, whether you're a new or existing customer. You can choose between online and offline methods based on your convenience.
Online
If you are willing to open your Bandhan Bank FD online, then you can go through the way through NetBanking or the Mobile App. Follow the steps given below to know more -
Offline FD Account Opening
If you prefer to visit a branch, you can easily open a fixed deposit account offline.
Log In:
Log in to your Bandhan Bank NetBanking account or the mBandhan mobile app.
Go to 'Fixed Deposit':
From the main menu, navigate to the 'Fixed Deposit' section and select the 'Open FD' option.
Fill in Details:
Enter required details, including the deposit amount, preferred tenure, and nomination details.
Maturity Instructions:
Choose your maturity instructions, such as interest payout frequency or auto-renewal.
Review & Submit:
Review all the details carefully, and click 'Submit' to confirm
Visit a Branch
Visit your nearest Bandhan Bank branch with documents
Fill the FD Form
Fill out the fixed deposit application form at the branch.
Submit Documents
Submit the completed form along with the necessary KYC documents
Fund Transfer/Deposit
Deposit the FD amount via cheque, cash, or a digital transfer.
Tenure & Interest Options
Choose your desired tenure and interest payout frequency.
Get the FD Receipt
Upon successful processing, a confirmation will be there
Eligibility
The following are eligible people who can open a Bandhan Bank FD:
Resident individuals
Minors
NRIs
HUFs
Partnership firms
Key Takeaways
Bandhan Bank Fixed Deposits offer a range of tenures, digital account opening, multiple FD schemes, and the option to avail loans against deposits, making them a flexible investment choice. However, interest earned is fully taxable, with TDS applicable beyond ₹50,000 for non-senior citizens and ₹1,00,000 for senior citizens. Non-callable FDs don’t allow premature withdrawal, and Tax Saver FDs come with a 5-year lock-in. It is recommended to compare interest rates and terms across banks before making an investment decision. Before investing, always compare with the FD Interest Rates in India so that you can make informed decisions.
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.
How much tax exemption can I claim under Section 80C with a Bandhan Bank Tax Saver FD?
You can claim a maximum tax exemption of up to ₹1,50,000 per financial year under Section 80C by investing in a Bandhan Bank Tax Saver Fixed Deposit.
Can I close my Bandhan Bank Tax Saver Fixed Deposit before maturity?
No, Bandhan Bank Tax Saver Fixed Deposits cannot be closed prematurely or partially before the completion of the mandatory 5-year lock-in period to get benefits under the Income Tax Act, 1961.
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.
What are the latest fixed deposit interest rates offered by Bandhan Bank in 2025?
The latest fixed deposit interest rates offered by Bandhan Bank in 2025 range from 3.00% to 7.40% per annum, for the general public, and 3.75% p.a. to 7.90% p.a. for senior citizens.
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