Bandhan Bank FD Interest Rates

In this fast-paced world, saving for tomorrow has become a necessity. What better wayto save than investing in a Fixed Deposit scheme? You can check Bandhan Bank FD Rates  online in India before investing in a fixed deposit scheme. The bank offers competitive interest rates to help its customers save and build a future corpus.  

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The schemes and policies follow the guidelines prescribed by the Reserve Bank of India. The main aim of the Fixed Deposit scheme offered by Bandhan Bank is to assure its customers of a safe financial future.

Features of Bandhan Bank Fixed Deposit

Investment Amount  Minimum - Rs. 1,00,00,000 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 10 Years
Interest Rate  Minimum - 3.25 %Maximum- 6.00%

Bandhan Bank FD Rates in India
Maturity Bucket Regular Interest Rates Interest Rates for Senior Citizens
7 days to 14 days 3.00% 3.75%
15 days to 30 days 3.00% 3.75%
31 days to Less than 2 months 3.50% 4.25%
2 months to less than 3 months 3.50% 4.25%
3 months to less than 6 months 3.50% 4.25%
6 months to less than 1 year 4.50% 5.25%
1 year to 18 months 5.25% 6.00%
Above 18 months to less than 2 years 5.25% 6.00%
2 years to less than 3 years 6.25% 7.00%
3 years to less than 5 years 6.25% 7.00%
5 years to up to 10 years 5.60% 6.35%
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Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bank of Baroda FD Rates 2.80% - 5.25% 3.30% - 6.25%
Bank of India FD Rates 2.85% - 5.05% 3.35% - 5.55%
Canara Bank FD Rates 2.90% - 5.40% 2.90% - 5.90%
Central Bank of India FD Rates 2.75% - 5.00% 2.90% - 3.25%
DBS Bank FD Rates 2.50% - 5.50% 3.50% - 6.00%
HDFC Bank FD Rates 2.50% - 5.60% 3.00% - 6.35%
IDFC Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
IndusInd Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Punjab National Bank FD Rates 2.90% - 5.25% 3.50% - 5.75%
SBI FD Rates 5.30% - 5.40% 5.80% - 6.20%
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
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About Bandhan Bank Fixed Deposit Interest Rate Calculator

Bandhan Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • The amount that is invested

  • The Rate of Interest offered

  • The tenure of the Fixed Deposit Account

  • The compounding period, that is, yearly, half-yearly, quarterly, or monthly

  • The FD Amount

Once entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

Guaranteed return plan Guaranteed return plan

Bulk Term Deposits Rates of 2 crores to 25 crores (w.e.f. 17 February 2022) – with premature payment facility

Tenure ₹2 cr to ₹10 cr Above ₹10 cr to Less Than ₹25 cr
7 days to 15 days 3.25% 3.25%
16 days to 28 days 3.25% 3.25%
29 days to 45 days 3.75% 3.75%
46 days to 90 days 3.75% 3.75%
91 days to 180 days 3.75% 3.75%
181 days to 364 days 4.00% 4.00%
For 365 days 5.75% 5.75%
For 366 days 5.75% 5.75%
For 367 days to less than 15 months 5.00% 5.00%
15 months to less than 2 years 5.00% 5.00%
2 years to less than 3 years 5.00% 5.00%
3 years to less than 5 years 5.00% 5.00%
5 years to 10 years 5.00% 5.00%

Bulk Term Deposits Rates of above 25 crores (w.e.f. 17 February 2022) – with premature payment facility

Tenure ₹25 cr to less than ₹50 cr ₹50 cr and above
7 days to 15 days 3.25% 3.25%
16 days to 28 days 3.25% 3.25%
29 days to 45 days 3.75% 3.75%
46 days to 90 days 3.75% 3.75%
91 days to 180 days 3.75% 3.75%
181 days to 364 days 4.00% 4.00%
For 365 days 5.75% 5.75%
For 366 days 5.75% 5.75%
For 367 days to less than 15 months 5.00% 5.00%
15 months to less than 2 years 5.00% 5.00%
2 years to less than 3 years 5.00% 5.00%
3 years to less than 5 years 5.00% 5.00%
5 years to 10 years 5.00% 5.00%
Get Market Linked Returns Get Market Linked Returns

Things to Note

  • Interest rates vary for fixed deposits without premature payment facilities. Contact your nearest branch or relationship manager to know the details.

  • In case of premature withdrawal of deposit, a 1% penalty applies to the corresponding ROI for which the deposit has been kept in the bank.

  • Any deposit above 10 crores is taken only after the treasury’s approval.

Types of Bandhan Bank FD Schemes

The Bandhan Bank offers five different types of FD schemes, which are as follows:

  1. FD Premium

    This fixed deposit scheme as its name says offers premium rates for fixed deposits that are of high value. The Bandhan Bank FD rates for regular deposits do not apply to this scheme. It is a bulk deposit scheme that earns high Bandhan Bank FD rates.

    Parameters Details
    Minimum Deposit Amount Rs. 2 Crore
    Tenure 7 Days to 10 Years
    Senior Citizen Rates NA
    The facility of Overdraft/ Loan Against FD Available
    Features . Option to close the deposit in case of an emergency.
    . All the deposits that are above Rs.10 Crore can be made after one takes approval from the treasury.
    . Bandhan Bank FD rates without premature tenure facility that ranges from 91 days to 3 years.
    Get Market Linked Returns Get Market Linked Returns
  2. FD Standard (Traditional FD)

    An ideal FD scheme that is there to meet your long-term and short-term financial goals. A Standard Fixed Deposit scheme by Bandhan Bank offers a flexible option for tenure that is coupled with a higher rate of interest offered by the Bandhan Bank as compared to the rate of interest provided on a savings account.

    Parameters Details
    Minimum Deposit Amount Rs. 1,000
    Tenure 7 Days to 10 Years
    Senior Citizen Rates Bandhan Bank FD rates for senior citizens are 0.50% extra than normal Bandhan Bank FD rates for deposits that are more than Rs.1 Crore.
    Rate of Interest The interest is compounded quarterly/ monthly.
    The facility of Overdraft/ Loan Against FD Available
    Premature withdrawal Available
    Features . Provides auto-renewal facility.
    . Offers facility of nomination.
  3. FD Advantage

    This fixed deposit scheme is designed to offer the benefit of compounding the interest that is earned. This scheme offers flexibility in terms of the investment period and the amount that is to be deposited. The customers can invest in the multiples of Re.1 after investing the minimum deposit amount, which is Rs.1, 000 and this makes the scheme affordable.

    Parameters Details
    Minimum Deposit Amount Rs. 1,000
    Tenure 6 Months to 10 Years
    Senior Citizen Rates Bandhan Bank FD rates for senior citizens are 0.50% extra than normal Bandhan Bank FD rates for deposits that are more than Rs. 1 Crore.
    Treatment of Interest The interest is compounded quarterly.
    The facility of Overdraft/ Loan Against FD Available
    Premature withdrawal Available
    Features . You can withdraw the deposit partially or fully.
    . The facility of nomination is provided.
    . An option of automatic plan renewal is provided.
  4. FD Tax Saver

    A tax saver FD by Bandhan Bank helps the customers to save tax by investing in it. At the time of filing an ITR, the investors of Tax Saver FD have the option to claim income tax deduction u/s 80C of the IT Act, 1961. Details related to this scheme are mentioned in the below table:

    Parameters Details
    Deposit Amount Rs. 1,000 to Rs. 1.5 Lakh
    Tenure 5 to 10 years
    Senior Citizen Rates For senior citizens, the rates are 0.75% extra than normal Bandhan Bank FD rates.
    Bandhan Bank FD rates of interest Compounding of interest
    Premature withdrawal N/A
    Features ·  Offers the dual benefit of higher returns and tax savings
    ·  The facility of nomination is also provided.
    ·  Offers tax benefit u/s 80C of the IT Act, 1961.
  5. FD Dhan Samriddhi

    A fixed deposit scheme that is designed to offer higher returns to the investors in a short duration. It is one of the growth-oriented FD schemes that have the aim of earning higher returns as per the frequent Bandhan bank FD rates.

    Parameters Details
    Minimum Deposit Amount Rs. 5,000
    Tenure 6 months to 10 years
    Treatment of Interest Compounding of Interest
    Premature withdrawal Available
    Features ·     Offers low balance maintenance at Rs. 1,000
    ·     Automatic renewal option
    ·     Easy FD booking through phone banking, internet banking, or at the branch.
    ·     The facility of nomination is offered.

Loan Against Fixed Deposit of Bandhan Bank

In times of requirement, an investor can take a loan against their FD under a few conditions:

  • An investor can take a loan up to 90% of his/her FD amount.

  • The loan is offered at standard FD rates plus 1.5 to 2.00%.

  • The bank charges no processing fee and repayment can be extended for three years.

  • Unlike other loans that banks offer, loan against FD offers faster disbursement that makes the FD liquid in case of emergency.

Steps to Apply for the FD Schemes of Bandhan Bank?

  1. Online Process:

    One has to follow the below-mentioned steps to apply for a fixed deposit scheme offered by Bandhan Bank online:

    • Visit Bandhan Bank’s official website.

    • Move to the 'Apply Now’ tab that is situated on the menu bar available on the upper side of the webpage.

    • The page that opens next, choose the variant of the FD from the menu that comes in the drop-down which is available on the upper side of this form.

    • Now fill this form with mobile number, email id, name, etc.

    • For completing the intimation process, click the 'Submit' button.

    A representative of Bandhan Bank contacts to provide information related to further steps. Ensure to check the Bandhan Bank FD interest rates.

    Documents Required to Apply Bandhan Bank FD Schemes

    The list of documents required to open an FD account with Bandhan Bank are as follows:

    • PAN Card

    • Photo ID Proof (Aadhar card, PAN Card, etc.)

    • Passport size photograph

    • Proof of residence (Voter ID Card, Aadhar Card, Passport, etc.)

    • Form 15H/ 15G

  2. Offline Process:

    For applying offline, all one needs to do is to visit the nearest branch of Bandhan Bank with all the above-mentioned documents and follow the steps to apply there with the help of bank personnel.

About Bandhan Bank

Badhan bank is among the premier banks in India that offer selective banking solutions as per the customer's needs. From savings accounts to investment schemes like fixed deposits, the bank efficiently aids its customers with multiple options. The bank, based out in Kolkata, has multiple branches across India.

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