Indian Overseas Bank FD Interest Rates

The Fixed Deposit scheme is Indian Overseas bank is outstanding. Indian Overseas Bank FD Interest Rates differ for the amount of principal invested and the tenure that it is invested for. Another reason for the fluctuation of Indian Overseas Bank FD Interest Rates is the nature of the person who applies for the deposit.

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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%

Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
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%
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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Senior citizens get a higher interest rate when compared to the other cadre of citizens. The Fixed Deposit scheme is available in three modes - The quarterly payout scheme where the interest can be withdrawn every quarter from the start date of the investment, the monthly payout scheme where the customer can withdraw the interest every month if he chooses, and collecting the interest along with the final amount during the maturity period.

Indian Overseas Bank Fixed Deposits

This private sector bank which has its branches spread across the south of India is helping thousands through its FD scheme.

Saving efficiently is the key to having a safe and secure future. The Indian Overseas bank sees the importance of this fact. This bank based out of Chennai, Tamil Nadu has grown and expanded across India. A major reason to that is the products that they offer. Among their noteworthy products is the Deposit schemes. There are two kinds of deposits- the fixed deposit and the recurring Deposit.

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About Indian Overseas Bank’s Fixed Deposit Interest Rate Calculator

Indian Overseas Bank’s 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

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Indian Overseas Bank Fixed Deposit Rates in India

It is advisable to reconfirm the FD Rates from the bank before making any decision on basis of data provided below.

For Domestic Deposits - Upto Rs. 1 cr (As on Dec 01, 2021)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
7 days to 14 days (for single deposit of Rs.1 lakh and above) Upto Rs. 1 cr 4.00%
15 days to 29 days Upto Rs. 1 cr 4.00%
30 days to 45 days Upto Rs. 1 cr 4.00%
46 days to 60 days Upto Rs. 1 cr 4.00%
61 days to 90 days Upto Rs. 1 cr 4.50%
91 days to 120 days Upto Rs. 1 cr 5.00%
121 days to 179 days Upto Rs. 1 cr 5.00%
180 days to 269 days Upto Rs. 1 cr 5.75%
270 days less than 1 year Upto Rs. 1 cr 6.25%
1year Upto Rs. 1 cr 6.75%
Above1 year to less than 2 years Upto Rs. 1 cr 6.50%
2 years to 3 years Upto Rs. 1 cr 6.25%
Above 3 years to less than 5 years Upto Rs. 1 cr 6.00%
5 years and above Upto Rs. 1 cr 6.00%
 
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For Domestic Deposits - Upto Rs. 25 lakh (As on Dec 01, 2021)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
7 days to 14 days (for single deposit of Rs.1 lakh and above) Upto Rs. 25 lakh 4.50%
15 days to 29 days Upto Rs. 25 lakh 4.50%
30 days to 45 days Upto Rs. 25 lakh 4.50%
46 days to 60 days Upto Rs. 25 lakh 4.50%
61 days to 90 days Upto Rs. 25 lakh 5.00%
91 days to 120 days Upto Rs. 25 lakh 5.50%
121 days to 179 days Upto Rs. 25 lakh 5.50%
180 days to 269 days Upto Rs. 25 lakh 6.25%
270 days less than 1 year Upto Rs. 25 lakh 6.75%
1year Upto Rs. 25 lakh 7.25%
Above1 year to less than 2 years Upto Rs. 25 lakh 7.00%
2 years to 3 years Upto Rs. 25 lakh 6.75%
Above 3 years to less than 5 years Upto Rs. 25 lakh 6.50%
5 years and above Upto Rs. 25 lakh 6.50%

 

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Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD

DEPOSIT AMOUNT

INTEREST RATE (p.a.)

General

Senior Citizen

IOB Tax Saver Deposit Scheme - 5 Years

Upto Rs. 1 lakh

6.00%

6.50%

Tax Implications

  1. The amount invested in Fixed Deposit with a tenure of 5 years with Indian Overseas Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.
  2. The applicable tax will be deducted at source, i.e. Indian Overseas Bank, in case the annual interest earned crosses Rs. 10,000.

For NRO Fixed Deposit - Upto Rs. 1 cr (As on Dec 01, 2021)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
7 days to 14 days (for single deposit of Rs.1 lakh and above) Upto Rs. 1 cr 4.00%
15 days to 29 days Upto Rs. 1 cr 4.00%
30 days to 45 days Upto Rs. 1 cr 4.00%
46 days to 60 days Upto Rs. 1 cr 4.00%
61 days to 90 days Upto Rs. 1 cr 4.50%
91 days to 120 days Upto Rs. 1 cr 5.00%
121 days to 179 days Upto Rs. 1 cr 5.00%
180 days to 269 days Upto Rs. 1 cr 5.75%
270 days less than 1 year Upto Rs. 1 cr 6.25%
1year Upto Rs. 1 cr 6.75%
Above1 year to less than 2 years Upto Rs. 1 cr 6.50%
2 years to 3 years Upto Rs. 1 cr 6.25%
Above 3 years to less than 5 years Upto Rs. 1 cr 6.00%
5 years and above Upto Rs. 1 cr 6.00%
 

For NRE Fixed Deposit - Upto Rs. 1 cr (As on Dec 01, 2021)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
1year Upto Rs. 1 cr 6.75%
Above1 year to less than 2 years Upto Rs. 1 cr 6.50%
2 years to 3 years Upto Rs. 1 cr 6.25%
Above 3 years to less than 5 years Upto Rs. 1 cr 6.00%
5 years and above Upto Rs. 1 cr 6.00%

 

*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

FD Calculator

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₹500 ₹30L
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