Nainital Bank FD Interest Rates

Fixed deposits are now one of the popular choices of investment as they are considered to be less risky and safe. The general idea is how a lump sum can bring in a regular flow of income in the form of interest.
Nainital Bank also offers its customers to invest and save money via fixed deposits. The Nainital Bank Fixed Deposit interest rates are sensible and present a window for savings. The following segments include the features of the account and its interest rates.

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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
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%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
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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Nainital Bank Fixed Deposit Interest Rates 2023

Below is a table depicting the term deposit tenure (maturity range) and the rate of returns as given on the official website of Nainital Bank w.e.f. 10.05.21:

Tenure Interest for Regular Depositors (%p.a.) Interest for Senior Citizens (%p.a) 
7 days to 14 days 3.35% 3.85%
15 days to 30 days 3.35% 3.85%
31 days to 45 days 3.35% 3.85%
46 days to 90 days 4.35% 4.85%
91 days to 179 days 4.35% 4.85%
180 days and above but less than 270 days 5.05% 5.05%
270 days and above but less than one year 5.15% 5.65%
One year and above but less than or equal to 18 months 5.25% 5.75%
Above 18 months but less than or equal to 2 years 5.35% 5.85%
Above two years but less than or equal to 3 years 5.35% 5.85%
Above three years but less than or equal to 5 years 5.35% 5.85%
Above five years but less than or equal to up to 10 years 5.35% 5.85%
Naini Immune Deposit Scheme (1001 days)** 5.60% -
Naini Tax Saver Scheme 6.35% -
**Rates effective from 10th May to 31st July 2021
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*Fixed Deposit Interest rates are subject to change.

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Features of Nainital Bank Fixed Deposit

Some of the features of Nainital Bank fixed deposit include:

  • Nainital Bank offers for renewals of fixed deposits.
  • Customers can also make additions in terms of nominations.
  • There are two kinds of fixed deposit schemes - regular and tax saver - offered by the bank.
  • The tax saver account can be availed by individuals or Hindu Undivided Families, also referred to as the HUFs.
  • A minimum of thousand rupees is to be banked for a regular fixed deposit account. At the same time, a minimum of hundred rupees is to be deposited in the case of a fixed deposit that is tax saving.
  • Customers can open accounts either individually or jointly.
  • For the tax saver accounts, a maximum amount of one lakh rupees can be availed as tax benefits.
  • Tax deductions are applicable per the Indian Income Tax Act of 1961.
  • Customers with tax saver accounts cannot avail of loans against their deposits.
  • Premature withdrawal is only allowed if the depositor passes away after five years of the commencement of the account.
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About Nainital Bank Fixed Deposit Interest Rate Calculator

Nainital Bank 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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Nainital Bank Fixed Deposit Rates: Things to Know!

Some of the things to keep in mind when investing in Nainital Bank fixed deposit are:

  • The interest garnered over the deposited sum is payable every quarter.
  • Senior citizens are likely to garner higher interest rates, i.e., an extra return of 0.50%. Contact the bank for further details.
  • The interest rate for regular depositors ranges from 3.35% to 6.35%.
  • The interest rate for senior citizens can range from 3.85% to 5.85%.

Summing it Up

Customers are advised to confirm the terms and conditions with the bank. Interest rates are subject to revisions as per the bank's discretion and policies. Such modifications and revisions can take place at any time in a fiscal year without prior notice to the customers.

*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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