Flexi Fixed Deposit Bandhan Bank

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What is a Bandhan Bank Flexi Fixed Deposit?

Flexi Fixed Deposit Bandhan Bank combines the liquidity of a savings account with the higher returns of a fixed deposit. The sweep-in feature of Flexi Fixed Deposit automatically transfers surplus savings into an FD. At the same time, the reverse sweep-out moves funds back if the balance falls below the threshold. To make saving even more convenient, the facility also supports daily deposits starting from ₹10 up to ₹8,000, making it especially useful in semi-urban and rural areas.

Bandhan Bank Flexi Fixed Deposit Interest Rates

Bandhan Bank Flexi Deposit Interest Rates are similar to regular fixed deposit rates. Here are the latest Bandhan Bank FD rates for general and senior citizens across different maturity periods:

*Bandhan Bank FD interest rates w.e.f. July 2, 2025

Key Features of Bandhan Bank Flexi Fixed Deposit 

The Flexi Deposit Bandhan Bank comes with several smart features that make it a secure investment option. Some of these include:

• Competitive Interest Rates: The fixed deposit portion earns higher interest than a regular savings account. FD interest rates vary depending on the deposit amount, customer category (regular or senior citizen), and tenure.
• Flexible Investment Options: The Flexi Deposit facility accommodates both small savers and high-net-worth individuals. It offers flexibility for all types of investors.
• Partial Withdrawal Support: Unlike regular fixed deposits, you don’t have to close the full deposit. Only the amount required is withdrawn, ensuring your remaining FD continues to earn interest.
• Auto-Renewal Facility: You can opt for automatic renewal upon maturity, so your investment earns interest without interruption or manual intervention.

How to Open a Bandhan Bank Flexi Fixed Deposit?

You can open a Flexi Deposit at Bandhan Bank either online through internet banking or offline by visiting a branch. Existing Bandhan Bank customers can directly book a Flexi Deposit. New customers need to open a savings account first and then link the Flexi Deposit to that account.

1. Online Method

   Bandhan Bank offers online banking services primarily through Internet Banking and the mBandhan mobile app. Here’s how to get started:

   • Log in to Bandhan Bank’s Internet Banking or mBandhan mobile app.
   • Go to the ‘Deposits’ section and click on ‘Open Fixed Deposit’.
   • Select the Flexi Fixed Deposit or Auto Sweep option.
   • Enter the deposit amount, tenure, and choose the linked savings account.
   • Set up sweep-in and sweep-out instructions as required.
   • Review all details and confirm to complete the process.

2. Offline Method

   If you prefer the offline process, you can visit your nearest Bandhan Bank branch to book a fixed deposit with the flexi facility.

   • New and existing customers can open a Flexi Fixed Deposit by visiting the nearest Bandhan Bank branch.
   • Request and fill out the Fixed Deposit application form, and mention that you want to open a Flexi Fixed Deposit.
   • Submit the form along with your savings account number.
   • New customers must provide the following documents for KYC (PAN, Aadhaar, or other valid ID)
   • The bank official will verify the documents and complete the process.

Difference Between Flexi Fixed Deposits and Regular Fixed Deposits

Here’s how a Flexi Fixed Deposit differs from a Regular Fixed Deposit in terms of accessibility, structure, and flexibility:

Key Takeaways

Bandhan Bank Flexi Fixed Deposit offers higher returns than a regular FD on your deposits, along with the liquidity of a savings account. It allows sweep-in to transfer surplus funds from your savings account into a fixed deposit and sweep-out to withdraw funds when needed. This facility is particularly suitable for individuals looking for a secure investment option without compromising on accessibility.