Bandhan Bank FD Interest Rates

Bandhan bank FD interest rates for 1 year 7 months 21 days to 4 years 11 months 26 days is 7.25% for regular citizens and 7.5% for senior citizens. In this fast-paced world, saving for tomorrow has become a necessity. What better way to 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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Features of IDFC Bank Fixed Deposit

Investment Amount  Minimum - Rs.10,000 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 10 Years
Interest Rate  Minimum - 4.00 %Maximum- 8.00%

Bandhan Bank FD Rates in India

Tenure Normal Citizen FD Rate (%) Senior Citizen FD Rate (%)
7 days to 30 days 3.00 3.75
1 month to 1 month 28 days 3.50 4.25
1 month 29 days to 11 months 27 days 4.50 5.25
11 months 28 days to 1 year 7 months 19 days 7.25 7.75
1 year 7 months 20 days (600 days) 8.00% 8.50%
1 year 7 months 21 days to 4 years 11 months 26 days 7.25 7.75
4 years 11 months 27 days up to 10 years 5.85 6.60

Note: Interest rates are subject to changes.

Features and Benefits of Bandhan Bank FDs

Bandhan Bank offers several features and benefits to customers who invest in FDs. Some of them are:

  1. Higher Interest Rates

    Bandhan Bank offers attractive interest rates on FDs, which can help you earn higher returns on your savings.

  2. Flexible Tenure

    The bank offers flexible tenure options for FDs, ranging from 7 days to 10 years. You can choose the tenure that suits your investment needs.

  3. Loan against FD

    Bandhan Bank allows you to take a loan against your FD, which can be useful in case of emergencies.

  4. Nomination Facility

    The Bank allows you to nominate a person who will receive the FD amount in case of your unfortunate demise.

  5. Automatic Renewal

    It offers automatic FD renewals, meaning your FD will be renewed automatically on maturity unless you instruct otherwise.

Bulk Term Deposits Rates of Rs 2 to 50 crores (w.e.f. 01 March 2023) – With Premature Payment Facility

Tenure Interest Rates
7 days to 15 days 5%
16 days to 28 days 5.80%
29 days to 45 days 5.80%
46 days to 90 days 5.80%
91 days to 180 days 6.25%
181 days to 364 days 7.50%
For 365 days 8.10%
For 366 days 8.10%
For 367 days to less than 15 months 8.10%
15 months to less than 2 years 6.60%
2 years to less than 3 years 6.60%
3 years to less than 5 years 6.15%
5 years to 10 years 5.00%

Note: Interest rates are subject to change. All investors must confirm it with their bank before making the final investment.

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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 types of FD schemes, which are as follows:

  1. FD Premium

    FD premium scheme offers premium rates for high value fixed deposits. Bandhan Bank FD rates for regular deposits do not apply to this scheme. It is a bulk deposit scheme that attracts high interest rates.

    Parameters Details
    Minimum Deposit Amount Rs 2 Crore
    Tenure 7 Days to 10 Years
    Senior Citizen Rates NA
    Overdraft/ Loan Against FD Available
    Features . Option to close the deposit in case of an emergency
    . Deposits above Rs 10 Crore made treasury’s approval
    . Bandhan Bank FD rates without premature tenure facility range between 91 days and 3 years
  2. FD Standard (Traditional FD)

    A Standard Fixed Deposit scheme by Bandhan Bank offers flexible tenures coupled with a higher rate of interest as compared to the 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% higher than regular rates for deposits of more than Rs 1 Crore
    Rate of Interest Current interest rate: 3 – 7.25%

    Interest payout: Quarterly or monthly

    Overdraft/ Loan Against FD Available
    Premature withdrawal Available
    Features . Provides auto-renewal facility
    . Offers facility for nomination
  3. FD Advantage

    FD Advantage scheme offers compound interest benefits. This scheme has a flexible investment period and deposit amount requirement. Here are some features of the Bandhan Bank FD scheme:

    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% higher than normal rates for deposits of more than Rs. 1 Crore
    Interest Rates Current interest rates: 4.50 – 7.25%
    Overdraft/ Loan Against FD Available
    Premature withdrawal Available
    Features . You can withdraw the deposit partially or fully.
    . The facility of nomination is available.
    . Automatic plan renewal is available to all investors.
  4. FD Tax Saver

    A tax saver FD by Bandhan Bank helps customers to save tax and earn decent returns. At the time of filing an ITR, investors of Tax Saver FD have the option to claim income tax deductions u/s 80C of the IT Act, 1961.

    Parameters Details
    Deposit Amount Rs. 1,000 to Rs. 1.5 Lakh
    Tenure 5 to 10 years (lock-in)
    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
    ·  Nomination available
    ·  Offers tax benefit u/s 80C of the IT Act, 1961
  5. FD Dhan Samriddhi

    FD Dhan Samriddhi is a Bandhan Bank fixed deposit scheme designed to offer higher returns to its investors in a short duration. It is one of the growth-oriented FD schemes aiming at 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
    · Facility of nomination available
FD interest rates India have fallen consistently over the last 10 years.
Invest in Plans that offer Guaranteed Returns for over 25 Years

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.

  • 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.

  • Loan against FD offers faster disbursement that makes the FD liquid in case of emergency.

How to Apply for the FD Schemes of Bandhan Bank?

  1. Online Process

    Follow these 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 situated on the menu bar available on the upper side of the webpage.

    • Choose your suitable FD type from the drop-down available on top.

    • Fill your form with details like mobile number, email id, and name.

    • Click 'Submit' after reviewing each detail.

    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:

    • 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 you need to do is to visit the nearest branch of Bandhan Bank with all the above-mentioned documents and follow the instructions of the bank’s representative.

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 receivable at the end of the policy term. 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:

  • Amount that is invested

  • Rate of Interest offered

  • Tenure of the Fixed Deposit Account

  • Compounding period, that is, yearly, half-yearly, quarterly, or monthly

Once entered the following details, an investor will come to know the maturity value of the FD and the total interest earned during the complete tenure.

About Bandhan Bank

Bandhan 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. Headquartered in Kolkata, Bandhan bank has multiple branches across India.

In Conclusion

Bandhan Bank offers competitive FD interest rates, flexible tenure options, and several other benefits to its customers. Investing in FDs can help you earn higher returns on your savings and secure your financial future. However, before investing in FDs, it is important to evaluate your financial goals and risk appetite to make an informed decision.

FAQ's

  • What is the highest Bandhan Bank FD interest rate available currently?

    As of February 6, 2023, the highest Bandhan Bank FD interest rate available is 8.00% for deposits of tenure 1 year 7 months 20 days (i.e. 600 days) for amounts less than Rs 2 crores. 
    For deposit amounts above Rs 2 crores, the highest interest rate available is 8.10% for tenures of 365 days to 15 months.
  • Are there any additional benefits available to senior citizens on Bandhan Bank FD interest rates?

    Yes, senior citizens can avail of 0.50% higher FD interest rates than regular rates on select deposit tenures.
  • Can I open a Bandhan Bank FD account online?

    Yes, you can open a Bandhan Bank FD account online through their website or mobile banking app. You can also visit the nearest Bandhan Bank branch to open an FD account.
  • Will the interest rate on my Bandhan Bank FD remain fixed throughout the tenure?

    Yes, the interest rate on your Bandhan Bank FD will remain fixed throughout the tenure, as per the rate prevailing at the time of deposit. However, premature withdrawal of the FD may attract a penalty and the interest rate on such withdrawals may vary.
  • Is there a minimum deposit amount for opening a Bandhan Bank FD account?

    Yes, the minimum deposit amount to open a Bandhan Bank FD account is Rs. 1,000. The maximum deposit amount may vary based on the deposit type and tenure.

*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

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