Central Bank of India FD Rates

Central Bank of India FD Rates (Below ₹3 Cr.)

The highest Central Bank of India FD rate is up to 6.25% p.a. for general depositors and up to 6.75% p.a. for senior depositors. The interest rates are effective from 10 August 2026:

*Central Bank of India FD rates w.e.f. 10 August 2026.

How Are Central Bank of India FD Interest Rates Decided?

Central Bank of India FD rates vary according to the deposit amount, maturity period and customer category. The bank publishes separate rates for retail and bulk deposits. The following factors affect the applicable rate structure.

• Deposit Slab: The Central Bank of India offers different interest rates for different investment ranges, from below ₹3 crore to above ₹10 crore.
• Deposit Tenure: The applicable interest rate may vary depending on the maturity periods from 7 days to 10 years. CBI special deposit FD schemes are also available for selected periods, which include 333, 444 and 555 days.
• Customer Category: Senior citizens above 60 years receive an additional 0.50% p.a. over the normal rate. Additional interest benefits also apply to eligible non-callable deposits, subject to the bank's applicable terms. 
• Rate Revision: The banks can revise their FD interest rates from time to time. Revised rates apply to fresh deposits and renewals of maturing deposits.

Central Bank of India FD Rates (₹3 Cr. to ₹10 Cr.)

The highest Central Bank of India FD rate for deposits above ₹3 crore is 6.25% p.a. for the general public, and for senior citizens it’s 6.75% p.a. for 2 years to less than 3 years. The rates are effective from 28th September 2026:

Central Bank of India FD rates w.e.f. 28th September 2026

Key Features of Central Bank of India FD Rates

Central Bank of India offers several facilities, and the applicable features depend on the deposit type, amount and customer category.

• Short Tenure Flexibility: Central Bank of India accepts fixed deposits from 7 days to 10 years. Customers can select the maturity period based on their investment requirements.
• Premature Withdrawal Facility: CBI Premature withdrawal FD is available under the prevailing rules. The bank charges 1% penal interest on premature withdrawal of an FD, irrespective of the amount. 
• Loan or Overdraft Against FD: Eligible deposits can be used for loan or overdraft facilities. The bank provides such facilities according to applicable rules and deposit terms.
• Sweep-In: The Central Bank Sweep-in FD facility links eligible savings or current accounts with fixed deposits. Surplus funds can be transferred into FDs automatically. 
• Auto-Renewal Facility: The eligible Central Bank customer can select the auto-renewal feature for fixed deposits. The bank also provides this facility through its digital banking platform.

Central Bank of India FD Interest Rate Calculator

The Central Bank of India FD Interest Rate Calculator helps to estimate the interest earned and maturity amount. You can enter the deposit amount, tenure and applicable FD interest rate to estimate the returns. 

The calculator can help customers compare different deposit periods before booking an FD. The Central Bank FD Calculator can be used to estimate the maturity amount and interest earned on an FD. However, the final maturity amount may depend on the deposit amount, selected tenure, applicable interest and calculation method.