Yes Bank FD interest rates vary between 3.25% and 7.75% annually for the general public and 3.75% - 7.40% annually for the senior citizens based on the deposit amount, term, and category of the customer. Fixed deposits are offered by Yes Bank for terms ranging from 7 days to 10 years. Senior citizens are given an additional interest rate of up to 0.75% on qualifying terms.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
Yes Bank FD is a term deposit wherein you can invest your savings for a fixed period and earn a guaranteed return at pre-defined interest rates. Customers can choose between a monthly or quarterly interest payout option. The minimum investment amount is ₹10,000. Besides, depositors can earn ‘YES Rewards' by booking an FD online. This article summarises the Yes Bank FD interest rates and how one can apply for the FD, either online or offline.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
₹10,000
Up to 5 crore
Yes Available
Up to 90%
From 0.50% to 0.75%
Applicable
YES Bank has once again changed its Fixed Deposit interest rates. The highest FD rate has been brought down from 7.50% to 7.00% in June 2025.
Below are the current fixed deposit interest rates offered by Yes Bank across different deposit amounts and tenures. Rates vary depending on deposit size and senior citizen eligibility.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.25% | 3.75% |
| 15 Days to 2 Months | 3.50% | 4.00% |
| 2 Months to 3 Months | 4.50% | 5.00% |
| 3 Months to 4 Months | 4.75% | 5.25% |
| 4 Months to 6 Months | 4.75% | 5.25% |
| 6 Months to 9 Months | 6.00% | 6.50% |
| 9 Months to 12 Months | 6.25% | 6.75% |
| 1 Year | 6.65% | 7.15% |
| 1 Year to 1.5 Years | 6.75% | 7.25% |
| 1.5 Years | 6.75% | 7.25% |
| 1.5 Years to 2 Years | 6.90% | 7.40% |
| 2 Years to 3 Years | 6.90% | 7.40% |
| 3 Years to 5 Years | 7.75% | 7.00% |
| 5 Years | 7.50% | 6.75% |
| 5 Years to 10 Years | 7.50% | 6.75% |
| Tenure | Regular Interest Rate
(% p.a.) |
Senior Citizen Interest Rate
(% p.a.) |
| 7 to 14 Days | 4.40 – 4.75 | 4.90 – 5.25 |
| 15 to 30 Days | 4.60 – 4.90 | 5.10 – 5.40 |
| 31 to 45 Days | 4.85 – 5.45 | 5.35 – 5.95 |
| 46 to 60 Days | 4.90 – 5.85 | 5.40 – 6.35 |
| 61 to 90 Days | 5.00 – 6.25 | 5.50 – 6.75 |
| 91 to 120 Days | 5.05 – 6.60 | 5.55 – 7.10 |
| 121 to 150 Days | 5.05 – 6.60 | 5.55 – 7.10 |
| 151 to 180 Days | 5.05 – 6.70 | 5.55 – 7.20 |
| 181 to 270 Days | 5.25 – 6.80 | 5.75 – 7.30 |
| 271 Days to < 1 Year | 5.40 – 6.85 | 5.90 – 7.35 |
| 12 Months (1 Year) | 5.50 – 7.05 | 6.00 – 7.55 |
| 12 Months 1 Day to 12 Months 20 Days | 5.50 – 7.05 | 6.00 – 7.55 |
| 12 Months 21 Days to < 15 Months | 5.50 – 7.05 | 6.00 – 7.55 |
| 15 Months | 5.50 – 7.00 | 6.00 – 7.50 |
| 15 Months 1 Day to < 18 Months | 5.50 – 7.00 | 6.00 – 7.50 |
| 18 Months < 20 Months | 5.50 – 7.05 | 6.00 – 7.55 |
| 20 Months to 22 Months | 5.50 – 7.05 | 6.00 – 7.55 |
| 22 Months 1 Day to < 2 Years | 5.50 – 7.05 | 6.00 – 7.55 |
| 2 Years to < 3 Years | 5.50 – 6.95 | 6.00 – 7.45 |
| 3 Years to < 5 Years | 5.50 – 6.95 | 6.25 – 7.70 |
| 5 Years | 5.50 – 6.85 | 6.25 – 7.60 |
| 5 Years 1 Day & Above | 5.50 – 6.85 | 6.25 – 7.60 |
*Yes Bank FD interest rates w.e.f. June 12, 2025
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3.5% | 7% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 6.79% | 7.58% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Unity Small Finance Bank | 4% | 7.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
Here are some of the key benefits of opening a Yes Bank FD.
YES Bank Fixed Deposit is a secure and sound method of getting assured returns on your savings. You may also make a lump sum investment over a fixed period and earn interest on it at good rates. The FD can be opened through Internet Banking / Mobile App or a Bank visit in just a few steps.
You can open a Fixed Deposit using either YES Bank Internet Banking or the YES Mobile App by following these simple steps:
The offline method is, you need to visit your nearest YES Bank branch, and follow the given steps below.
Yes Bank FD interest rates go up to 7.40% for senior citizens and 7.00% for general customers. With a minimum of ₹10,000 investment and flexible tenures going up to 10 years, the FD suits every type of investor. Other features are monthly/quarterly returns, overdraft facilities, auto-renewal, and easy accessibility through mobile, web, or chatbot. Customers can compare the best FD interest rates offered by different banks to make smart investment decisions.
˜Top 5 plans based on annualized premium, for bookings made through https://www.policybazaar.com in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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