Bandhan Bank FD Interest Rates 2025

Bandhan Bank offers fixed deposits with interest rates ranging from 3.00% to 8.25% per annum, 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. Let’s take a closer look at the latest Bandhan Bank FD interest rates in 2025 and see how they align with your savings goals.

Read more
Investment Plans

  • Save upto ₹46,800 in tax under Sec 80C

  • Inbuilt Life Cover

  • Tax Free Returns Unlike FD+

Buy Online & Get upto 4% extra#
Get Guaranteed returns up to 7.1%*

Fully Tax-Free* (unlike FD), Life Cover Included

+91
Secure
We don’t spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs Tax benefit is subject to changes in tax laws
Get Updates on WhatsApp

What is a Bandhan Bank Fixed Deposit?

Bandhan Bank FD schemes are known for attractive interest rates, easy withdrawal and low minimum balance. When you deposit a fixed lump sum for a predetermined tenure, you earn higher interest, which is guaranteed irrespective of market conditions. The Bandhan Bank offers multiple FD schemes, including Standard, Premium, Tax Saving FD, Advantage, and Dhan Samriddhi Fixed Deposits. 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
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits &
Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
7.1% (TAX-FREE)
Returns After Tax
7.1%
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
VIEW PLANS
*For annual premium upto ₹5 Lacs

Bandhan Bank FD Interest Rates 

The tables below present the applicable Bandhan Bank FD interest rates across different tenures and deposit amounts.

Bandhan Bank FD Rates for Retail Domestic / Non-Resident (Less than ₹3 Crore)

Tenure General (% p.a.) Senior Citizens 

(% p.a.)
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 4.50 5.25
3 months to less than 6 months 4.50 5.25
6 months to less than 1 year 4.50 5.25
1 year 7.75 8.25
1 year 1 day to 1 year 9 months 7.65 8.15
1 year 9 months 1 day to less than 2 years 7.25 7.75
2 years to less than 3 years 7.25 7.75
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 09, 2025

Bandhan Bank FD Interest Rates (₹3 Crore to Less Than ₹25 Crore) With Premature Payment Facility (Callable)

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 5.65 5.65
2 months to less than 3 months 5.90 5.90
3 months to less than 4 months 6.60 6.60
4 months to less than 5 months 6.60 6.60
5 months to less than 6 months 6.70 6.70
6 months to less than 7 months 6.70 6.70
7 months to less than 8 months 6.80 6.80
8 months to less than 9 months 6.80 6.80
9 months to less than 10 months 6.85 6.85
10 months to less than 11 months 6.85 6.85
11 months to less than 12 months 6.85 6.85
12 months 6.90 6.90
12 months 1 day to <13 months 6.90 6.90
13 months to less than 14 months 6.70 6.70
14 months to less than 15 months 6.70 6.70
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. June 09, 2025

fd return beater

Bandhan Bank FD Rates (₹3 Crore to Less Than ₹25 Crore) Without Premature Payment Facility (Non-Callable)

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 3.50 3.50
1 month to less than 2 months 5.90 5.90
2 months to less than 3 months 6.20 6.20
3 months to less than 4 months 6.80 6.80
4 months to less than 5 months 6.80 6.80
5 months to less than 6 months 6.90 6.90
6 months to less than 7 months 6.90 6.90
7 months to less than 8 months 7.00 7.00
8 months to less than 9 months 7.00 7.00
9 months to less than 10 months 7.00 7.00
10 months to less than 11 months 7.00 7.00
11 months to less than 12 months 7.00 7.00
12 months 7.10 7.10
12 months 1 day to <13 months 7.10 7.10
13 months to less than 14 months 7.00 7.00
14 months to less than 15 months 7.00 7.00
15 months to less than 16 months 6.70 6.70
16 months to less than 17 months 6.70 6.70
17 months to less than 18 months 6.70 6.70
18 months to less than 2 years 6.70 6.70
2 years to less than 3 years 6.70 6.70
3 years to less than 5 years 6.15 6.15
5 years to 10 years 4.90 4.90

*Bandhan Bank FD interest rates w.e.f. June 09, 2025

FD interest rates India have fallen consistently over the last 12 years.
Invest in Plans that offer Guaranteed Returns for over 25 Years

Key Benefits of Bandhan Bank Fixed Deposits

  1. Flexible Tenure: 

    Bandhan Bank offers FD tenures from 7 days to 10 years, allowing you to align your investment horizon with your life goals.

  2. Attractive Interest Rates: 

    General citizens can earn up to 7.75% per annum on Bandhan Bank FDs, depending on the deposit amount and selected tenure.

  3. 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 8.25%.

  4. Variety of Schemes: 

    Choose from multiple Bandhan Bank FD options like Neo+ Digital, Standard, Premium, Tax Saver, Advantage, and Dhan Samriddhi.

  5. 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.

  6. Low Minimum Deposit: 

    You can start a Bandhan Bank fixed deposit with as little as ₹1,000.

  7. 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. The maximum loan tenure is 5 years.

Guaranteed return plan Guaranteed return plan

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.

  1. Online Method

    For New Customers:

    • Visit the official Bandhan Bank website.

    • Click on ‘Open Neo+ Digital FD’.

    • Complete your Video KYC using Aadhaar and PAN—no prior bank relationship needed.

    • Fill in deposit details such as amount, tenure (7 days to 10 years), and nominee information.

    • Make an online payment to activate the FD instantly.

    • Receive confirmation and start earning interest from the date of deposit.

    For Existing Customers:

    • Log in to your Bandhan Bank Internet Banking or Mobile Banking App.

    • Go to the Fixed Deposit section.

    • Select ‘Open Fixed Deposit’, enter the deposit amount, and choose tenure.

    • Add nominee details and select payout option (monthly, quarterly, or at maturity).

    • Confirm and submit to book your FD instantly.

  2. Offline Method

    For Both New and Existing Customers:

    • Visit the nearest Bandhan Bank branch.

    • New customers must submit KYC documents (Aadhaar, PAN, etc.).

    • Fill out the Fixed Deposit Application Form with the desired amount and tenure.

    • Make the payment through cash or an existing Bandhan Bank account.

    • Receive a confirmation receipt from the branch.

Key Notes:

  • Minimum deposit starts from ₹1,000 (₹5,000 for Dhan Samriddhi FD)

  • Tenure ranges from 7 days to 10 years.

  • Higher interest rates for resident senior citizens

  • Interest payout options are Monthly, quarterly, or cumulative.

  • Digital FD booking is quick, secure, and paperless via the Neo+ Digital FD

Get 100% Guaranteed Returns Get 100% Guaranteed Returns
*Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Taxation on Bandhan Bank Fixed Deposits

Interest earned on Bandhan Bank Fixed Deposits is taxable. TDS (Tax Deducted at Source) is applicable if the total interest earned in a financial year exceeds ₹50,000 for non-senior citizen customers and ₹1,00,000 for senior citizen customers. The applicable TDS rate is 10% if your PAN is provided and 20% if PAN is not provided. To avoid TDS, customers with annual income below the taxable limit can submit Form 15G (for individuals under 60) or Form 15H (for senior citizens).

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 FD Interest Rates in India so that you can make informed decisions.

Bank FD Interest Rates

Bank FD Calculator

NRI-NRE FD Rates

Allahabad Bank FD Rates

Allahabad Bank FD Rates
Andhara Bank FD Rates

Andhara Bank FD Rates
Assam Gramin Vikash Bank FD Rates

Assam Gramin Vikash Bank FD Rates
AU Small Finance Bank FD Rates

AU Small Finance Bank FD Rates
Axis Bank FD Rates

Axis Bank FD Rates
Bajaj Finance FD Rates

Bajaj Finance FD Rates
Bangiya Gramin Vikash Bank FD Rates

Bangiya Gramin Vikash Bank FD Rates
Bank of Baroda FD Rates

Bank of Baroda FD Rates
Bank of Ceylon FD Rates

Bank of Ceylon FD Rates
Bank of Maharashtra FD Rates

Bank of Maharashtra FD Rates
Baroda Gujarat Gramin Bank FD Interest Rates

Baroda Gujarat Gramin Bank FD Interest Rates
BOI FD Interest Rates

BOI FD Interest Rates
Canara Bank FD Rates

Canara Bank FD Rates
Capital Small Finance Bank FD Rates

Capital Small Finance Bank FD Rates
Central Bank of India FD Rates

Central Bank of India FD Rates
Citi Bank FD Rates

Citi Bank FD Rates
City Union Bank FD Rates

City Union Bank FD Rates
Corporation Bank FD Rates

Corporation Bank FD Rates
Dakshin Bihar Gramin Bank FD Rates

Dakshin Bihar Gramin Bank FD Rates
DBS Bank FD Rates

DBS Bank FD Rates
Dena Bank FD Rates

Dena Bank FD Rates
Dhanlaxmi Bank FD Rates

Dhanlaxmi Bank FD Rates
Equitas Bank FD Rates

Equitas Bank FD Rates
ESAF Small Finance Bank FD Rates

ESAF Small Finance Bank FD Rates
HDFC FD Interest Rates

HDFC FD Interest Rates
HSBC FD Rates

HSBC FD Rates
ICICI Bank FD Rates

ICICI Bank FD Rates
IDBI Bank FD Rates

IDBI Bank FD Rates
IDFC Bank FD Rates

IDFC Bank FD Rates
Indian Bank FD Rates

Indian Bank FD Rates
Indian Overseas Bank FD Rates

Indian Overseas Bank FD Rates
IndusInd Bank FD Rates

IndusInd Bank FD Rates
Jana Small Finance Bank FD Rates

Jana Small Finance Bank FD Rates
Karnataka Bank FD Rates

Karnataka Bank FD Rates
Kerala Bank FD Interest Rates

Kerala Bank FD Interest Rates
Kotak FD Rates

Kotak FD Rates
Lakshmi Vilas Bank FD Rates

Lakshmi Vilas Bank FD Rates
Muthoot Capital FD Rates

Muthoot Capital FD Rates
Nainital Bank FD Rates

Nainital Bank FD Rates
Odisha Gramya Bank FD Rates

Odisha Gramya Bank FD Rates
Paschim Banga Bank FD Rates

Paschim Banga Bank FD Rates
Paytm FD Rates

Paytm FD Rates
PNB FD Interest Rates

PNB FD Interest Rates
Prathama UP Gramin Bank FD Rates

Prathama UP Gramin Bank FD Rates
RBL Bank FD Rates

RBL Bank FD Rates
Saurashtra Gramin Bank FD Interest Rates

Saurashtra Gramin Bank FD Interest Rates
SBI FD Interest Rates

SBI FD Interest Rates
Shriram Finance FD Rates

Shriram Finance FD Rates
State Bank of Hyderabad FD Rates

State Bank of Hyderabad FD Rates
State Bank of Mysore FD Rates

State Bank of Mysore FD Rates
State Bank of Travancore FD Rates

State Bank of Travancore FD Rates
Syndicate Bank FD Rates

Syndicate Bank FD Rates
Tamil Nadu Grama Bank FD Interest Rates

Tamil Nadu Grama Bank FD Interest Rates
Telangana Grameena Bank FD Rates

Telangana Grameena Bank FD Rates
Tripura Gramin Bank FD Interest Rates

Tripura Gramin Bank FD Interest Rates
UCO Bank FD Rates

UCO Bank FD Rates
ujjivan small finance bank fd rates

ujjivan small finance bank fd rates
Union Bank FD Rates

Union Bank FD Rates
Uttar Bihar Gramin Bank FD Rates

Uttar Bihar Gramin Bank FD Rates
Uttarakhand Gramin Bank FD Interest Rates

Uttarakhand Gramin Bank FD Interest Rates
Vijaya Bank FD Rates

Vijaya Bank FD Rates
Yes Bank FD Rates

Yes Bank FD Rates

Expand
Allahabad Bank FD Calculator

Allahabad Bank FD Calculator
Andhra Bank FD Calculator

Andhra Bank FD Calculator
AU Bank FD Calculator

AU Bank FD Calculator
Axis Bank FD Calculator

Axis Bank FD Calculator
Bajaj Finance FD Calculator

Bajaj Finance FD Calculator
Bandhan Bank FD Calculator

Bandhan Bank FD Calculator
Bank of Baroda FD Calculator

Bank of Baroda FD Calculator
Bank of India FD Calculator

Bank of India FD Calculator
Bank of Maharashtra FD Calculator

Bank of Maharashtra FD Calculator
Canara Bank FD Calculator

Canara Bank FD Calculator
Central Bank FD Calculator

Central Bank FD Calculator
Corporation Bank FD Calculator

Corporation Bank FD Calculator
Equitas Small Finance Bank FD Calculator

Equitas Small Finance Bank FD Calculator
HDFC Bank FD Calculator

HDFC Bank FD Calculator
ICICI Bank FD Calculator

ICICI Bank FD Calculator
IDBI Bank FD Calculator

IDBI Bank FD Calculator
IDFC Bank FD Calculator

IDFC Bank FD Calculator
Indian Bank FD Calculator

Indian Bank FD Calculator
Indian Overseas Bank FD Calculator

Indian Overseas Bank FD Calculator
IndusInd Bank FD Calculator

IndusInd Bank FD Calculator
Karnataka Bank FD Calculator

Karnataka Bank FD Calculator
Karur Vysya Bank FD Calculator

Karur Vysya Bank FD Calculator
Kotak Bank FD Calculator

Kotak Bank FD Calculator
Mahindra Finance FD Calculator

Mahindra Finance FD Calculator
OBC Bank FD Calculator

OBC Bank FD Calculator
Odisha Gramya Bank FD Calculator

Odisha Gramya Bank FD Calculator
PNB Bank FD Calculator

PNB Bank FD Calculator
SBI FD Calculator

SBI FD Calculator
Shriram Finance FD Calculator

Shriram Finance FD Calculator
Syndicate Bank FD Calculator

Syndicate Bank FD Calculator
Tripura Gramin Bank FD Calculator

Tripura Gramin Bank FD Calculator
UCO Bank FD Calculator

UCO Bank FD Calculator
Union Bank FD Calculator

Union Bank FD Calculator
Yes Bank FD Calculator

Yes Bank FD Calculator

Expand
HDFC NRE FD Rates

HDFC NRE FD Rates
Maybank Malaysia FD Rates

Maybank Malaysia FD Rates
SBI NRI FD Rates

SBI NRI FD Rates
Axis NRI FD Rates

Axis NRI FD Rates
Maybank Singapore FD Rates

Maybank Singapore FD Rates
Yes Bank NRI FD Rates

Yes Bank NRI FD Rates

Frequently Asked Questions

  • 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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

FD Calculator

Total Investment

₹500 ₹30L
Enter Total Investment

Rate of Interest (Yearly)

1% 15%
Rate of Interest (Yearly)

Time Period

1 Year 15 Years
Enter Time Period
Interest Earned
Maturity Amount

FD Rates articles

Recent Articles
Popular Articles
AU Small Finance Bank Credit Card Against FD
AU Small Finance Bank Credit Card Against FD

01 Jul 2025

AU Small Finance Bank credit card against FD offers a credit
Read more
DCB Bank Credit Card Against FD
DCB Bank Credit Card Against FD

01 Jul 2025

DCB Bank credit card against FD offers a credit limit of up to
Read more
Karur Vysya Bank Credit Card Against FD
Karur Vysya Bank Credit Card Against FD

01 Jul 2025

Karur Vysya Bank credit card against FD requires a minimum fixed
Read more
Kotak Mahindra Bank Credit Card Against FD
Kotak Mahindra Bank Credit Card Against FD

01 Jul 2025

Kotak Mahindra Bank credit card against FD offers a credit limit
Read more
IndusInd Bank Credit Card Against FD
IndusInd Bank Credit Card Against FD

01 Jul 2025

IndusInd credit card against FD requires a fixed deposit amount
Read more
SBI Fixed Deposit Monthly Income Scheme
SBI Fixed Deposit Monthly Income Scheme
  • 04 Apr 2022
  • 42909
The SBI Fixed Deposit Monthly Income Scheme, commonly called the SBI Annuity Deposit Scheme, is a specialised
Read more
Best Savings Bank Accounts in India in 2025
Best Savings Bank Accounts in India in 2025
  • 07 May 2025
  • 4738
Choosing the right savings bank account is important for managing your finances efficiently. In 2025, several
Read more
Application for Withdrawal of Fixed Deposit
Application for Withdrawal of Fixed Deposit
  • 03 Dec 2021
  • 74800
An Application for Withdrawal of Fixed Deposit is a formal request to withdraw the Fixed Deposit (FD) amount from
Read more
SBI Credit Card on FD - Eligibility and Benefits
SBI Credit Card on FD - Eligibility and Benefits
  • 20 May 2025
  • 4326
Using an SBI credit card against an FD is an intelligent and safe way of enjoying credit-card benefits for
Read more
SBI Fixed Deposit Double Scheme
SBI Fixed Deposit Double Scheme
  • 18 Feb 2022
  • 28519
The SBI Fixed Deposit Double Scheme is primarily an investment scheme offered by the State Bank of India that
Read more

Explore the popular searches and stay informed

top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL