Vijaya Bank Fixed Deposit

When you open a fixed deposit account in India, you secure a certain amount of money for a certain number of years to earn interest. A few companies also provide this facility, but it is always wise to choose the bank.
The Vijaya Bank FD rates or the interest rate of every other bank in India is predetermined. Here are a few facts about fixed deposit that an investor must be aware of.

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Features of Vijaya Bank Fixed Deposit

Investment Amount  Minimum - Rs.50 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 10 Years
Interest Rate  Minimum - 5.00 %Maximum- 6.80%

Vijaya Bank Fixed Deposit Rates 2021

Vijaya Bank FD Rates in India
Tenure General Public FD Rates Senior Citizen FD Rates
7 days to 29 days 5.00% 5.50%
30 days to 45 days 5.50% 6.00%
46 days to 60 days 6.00% 6.50%
61 days to 90 days 6.00% 6.50%
91 days to 180 days 6.35% 6.85%
181 days to 269 days 6.50% 7.00%
270 days to 364 days 6.60% 7.10%
400 days 6.80% 7.30%
401 days to 499 days 6.80% 7.30%
500 days 6.80% 7.30%
501 days to 10 years 6.80% 7.30%
1 year to 399 days 6.80% 7.30%

Comparison of FD Rates by Top 10 Financial Institutes

Name Interest Rates Tenure  
Axis Bank 5.75% 5 years to 10 years View Details
Bank of Baroda 5.30% 5 years 1 day to 10 years View Details
Bank of India 5.40% 5 years to 10 years View Details
Canara Bank 5.45% 3 years to 10 years View Details
Central Bank of India 5.35% 5 years to 10 years View Details
HDFC Bank 5.50% 5 years 1 day to 10 years View Details
ICICI Bank 5.50% 5 years 1 day to 10 years View Details
IDBI Bank 5.70% 7 years 1 day to 10 years View Details
State Bank Of India 5.40% 5 years to 10 years View Details
Yes Bank 7.00% 1 year to 10 years View Details

Tax Deductions

A Vijaya Bank Fixed Deposit Scheme or a deposit account in any other bank in India amounting up to Rs 1 lakh for five-year tenure is eligible for a deduction of Taxes under Section 80 C. For investors looking at small investments with tax redemption, a fixed deposit in Vijaya Bank or any other bank is appropriate.

FD interest rates and tax amount

FD interest rates in Vijaya Bank or any other bank in India is tax adjusted. It does not mean that that the interest rate on FD in Vijaya Bank or any other bank in India is tax-free. The interest rate is taxable, and the investor pays according to the tax slab his principal amount belongs to.

Income from the fixed deposit amounting to up to Rs 10,000 is free from tax deductions.

Fixed deposit rates in Vijaya Bank and every other bank in India is higher by a small percentage for senior citizens. A re-investment every year can earn the investor compound interest.

For individuals looking at safety as a top priority when it comes to investments, a fixed deposit account is a perfect choice.

Vijaya Bank Fixed Deposit Rates

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

For Domestic Deposits - Less than Rs. 1 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Less than Rs. 1 cr 4 4
30 days to 45 days Less than Rs. 1 cr 4 4
46 daysto 60 days Less than Rs. 1 cr 4.5 4.5
61 days to 90 days Less than Rs. 1 cr 4.5 4.5
91 days to 180 days Less than Rs. 1 cr 5.25 5.25
181 days to 269 days Less than Rs. 1 cr 6.25 6.25
270 days to less than 1 year Less than Rs. 1 cr 6.25 6.25
1Year Less than Rs. 1 cr 6.5 7
More than 1year to less than 2 Years Less than Rs. 1 cr 6.5 7
2 years Less than Rs. 1 cr 6.5 7
More than 2 years to less than 3 years Less than Rs. 1 cr 6.5 7
3 years to 5 years Less than Rs. 1 cr 6.5  
5 years and above Less than Rs. 1 cr 6.25 6.75

 

For Domestic Deposits - Rs. 1 cr to 5 crs (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 1 cr to 5 crs 4 N.A
30 days to 45 days Rs. 1 cr to 5 crs 4 N.A
46 days to 60 days Rs. 1 cr to 5 crs 4.25 N.A
61 days to 90 days Rs. 1 cr to 5 crs 4.25 N.A
91 days to 180 days Rs. 1 cr to 5 crs 5 N.A
181 days to 269 days Rs. 1 cr to 5 crs 5.25 N.A
270 days to less than 1 year Rs. 1 cr to 5 crs 5.25 N.A
1Year Rs. 1 cr to 5 crs 5.5 N.A
More than 1year to less than 2 Years Rs. 1 cr to 5 crs 5.25 N.A
2 years Rs. 1 cr to 5 crs 5 N.A
More than 2 years to less than 3 years Rs. 1 cr to 5 crs 5 N.A
3 years to 5 years Rs. 1 cr to 5 crs 5 N.A
5 years and above Rs. 1 cr to 5 crs 5 N.A

For Domestic Deposits - Rs. 100 cr to 200 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 100 cr to 200 cr 4 N.A
30 days to 45 days Rs. 100 cr to 200 cr 4 N.A
46 days to 60 days Rs. 100 cr to 200 cr 4.25 N.A
61 days to 90 days Rs. 100 cr to 200 cr 4.25 N.A
91 days to 180 days Rs. 100 cr to 200 cr 5 N.A
181 days to 269 days Rs. 100 cr to 200 cr 5.25 N.A
270 days to less than 1 year Rs. 100 cr to 200 cr 5.25 N.A
1Year Rs. 100 cr to 200 cr 5.5 N.A
More than 1year to less than 2 Years Rs. 100 cr to 200 cr 5.25 N.A
2 years Rs. 100 cr to 200 cr 5 N.A
More than 2 years to less than 3 years Rs. 100 cr to 200 cr 5 N.A
3 years to 5 years Rs. 100 cr to 200 cr 5 N.A
5 years and above Rs. 100 cr to 200 cr 5 N.A

 

For Domestic Deposits - Rs. 200 cr and above (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 200 cr and above 4 N.A
30 days to 45 days Rs. 200 cr and above 4 N.A
46 days to 60 days Rs. 200 cr and above 4.25 N.A
61 days to 90 days Rs. 200 cr and above 4.25 N.A
91 days to 180 days Rs. 200 cr and above 5 N.A
181 days to 269 days Rs. 200 cr and above 5.25 N.A
270 days to less than 1 year Rs. 200 cr and above 5.25 N.A
1Year Rs. 200 cr and above 5.5 N.A
More than 1year to less than 2 Years Rs. 200 cr and above 5.25 N.A
2 years Rs. 200 cr and above 5 N.A
More than 2 years to less than 3 years Rs. 200 cr and above 5 N.A
3 years to 5 years Rs. 200 cr and above 5 N.A
5 years and above Rs. 200 cr and above 5 N.A

 

For Domestic Deposits - Rs. 25 cr to 50 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 25 cr to 50 cr 4 N.A
30 days to 45 days Rs. 25 cr to 50 cr 4 N.A
46 days to 60 days Rs. 25 cr to 50 cr 4.25 N.A
61 days to 90 days Rs. 25 cr to 50 cr 4.25 N.A
91 days to 180 days Rs. 25 cr to 50 cr 5 N.A
181 days to 269 days Rs. 25 cr to 50 cr 5.25 N.A
270 days to less than 1 year Rs. 25 cr to 50 cr 5.25 N.A
1Year Rs. 25 cr to 50 cr 5.5 N.A
More than 1year to less than 2 Years Rs. 25 cr to 50 cr 5.25 N.A
2 years Rs. 25 cr to 50 cr 5 N.A
More than 2 years to less than 3 years Rs. 25 cr to 50 cr 5 N.A
3 years to 5 years Rs. 25 cr to 50 cr 5 N.A
5 years and above Rs. 25 cr to 50 cr 5 N.A

 

For Domestic Deposits - Rs. 5 cr to 25 crs (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 5 cr to 25 crs 4 N.A
30 days to 45 days Rs. 5 cr to 25 crs 4 N.A
46 days to 60 days Rs. 5 cr to 25 crs 4.25 N.A
61 days to 90 days Rs. 5 cr to 25 crs 4.25 N.A
91 days to 180 days Rs. 5 cr to 25 crs 5 N.A
181 days to 269 days Rs. 5 cr to 25 crs 5.25 N.A
270 days to less than 1 year Rs. 5 cr to 25 crs 5.25 N.A
1Year Rs. 5 cr to 25 crs 5.5 N.A
More than 1year to less than 2 Years Rs. 5 cr to 25 crs 5.25 N.A
2 years Rs. 5 cr to 25 crs 5 N.A
More than 2 years to less than 3 years Rs. 5 cr to 25 crs 5 N.A
3 years to 5 years Rs. 5 cr to 25 crs 5 N.A
5 years and above Rs. 5 cr to 25 crs 5 N.A

 

For Domestic Deposits - Rs. 50 cr to 75 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 50 cr to 75 cr 4 N.A
30 days to 45 days Rs. 50 cr to 75 cr 4 N.A
46 days to 60 days Rs. 50 cr to 75 cr 4.25 N.A
61 days to 90 days Rs. 50 cr to 75 cr 4.25 N.A
91 days to 180 days Rs. 50 cr to 75 cr 5 N.A
181 days to 269 days Rs. 50 cr to 75 cr 5.25 N.A
270 days to less than 1 year Rs. 50 cr to 75 cr 5.25 N.A
1Year Rs. 50 cr to 75 cr 5.5 N.A
More than 1year to less than 2 Years Rs. 50 cr to 75 cr 5.25 N.A
2 years Rs. 50 cr to 75 cr 5 N.A
More than 2 years to less than 3 years Rs. 50 cr to 75 cr 5 N.A
3 years to 5 years Rs. 50 cr to 75 cr 5 N.A
5 years and above Rs. 50 cr to 75 cr 5 N.A

 

For Domestic Deposits - Rs. 75 cr to 100 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
7 days to 29 days Rs. 75 cr to 100 cr 4 N.A
30 days to 45 days Rs. 75 cr to 100 cr 4 N.A
46 days to 60 days Rs. 75 cr to 100 cr 4.25 N.A
61 days to 90 days Rs. 75 cr to 100 cr 4.25 N.A
91 days to 180 days Rs. 75 cr to 100 cr 5 N.A
181 days to 269 days Rs. 75 cr to 100 cr 5.25 N.A
270 days to less than 1 year Rs. 75 cr to 100 cr 5.25 N.A
1Year Rs. 75 cr to 100 cr 5.5 N.A
More than 1year to less than 2 Years Rs. 75 cr to 100 cr 5.25 N.A
2 years Rs. 75 cr to 100 cr 5 N.A
More than 2 years to less than 3 years Rs. 75 cr to 100 cr 5 N.A
3 years to 5 years Rs. 75 cr to 100 cr 5 N.A
5 years and above Rs. 75 cr to 100 cr 5 N.A

 

Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
General Senior Citizen
Vijaya Tax Saving Scheme - 5 years Upto Rs. 1 lakh 6.25 6.75

 

Tax Implications

  1. The amount invested in Fixed Deposit with a tenure of 5 years with Vijaya 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. Vijaya Bank, in case the annual interest earned crosses Rs. 10,000.

For NRO Fixed Deposit - Less than Rs. 1 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Less than Rs. 1 cr 4
30 days to 45 days Less than Rs. 1 cr 4
46 days to 60 days Less than Rs. 1 cr 4.5
61 days to 90 days Less than Rs. 1 cr 4.5
91 days to 180 days Less than Rs. 1 cr 5.25
181 days to 269 days Less than Rs. 1 cr 6.25
270 days to less than 1 year Less than Rs. 1 cr 6.25
1Year Less than Rs. 1 cr 6.5
More than 1year to less than 2 Years Less than Rs. 1 cr 6.5
2 years Less than Rs. 1 cr 6.5
More than 2 years to less than 3 years Less than Rs. 1 cr 6.5
3 years to 5 years Less than Rs. 1 cr 6.5
5 years and above Less than Rs. 1 cr 6.25

 

For NRO Fixed Deposit - Rs. 1 cr to 5 crs (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 1 cr to 5 crs 4
30 days to 45 days Rs. 1 cr to 5 crs 4
46 days to 60 days Rs. 1 cr to 5 crs 4.25
61 days to 90 days Rs. 1 cr to 5 crs 4.25
91 days to 180 days Rs. 1 cr to 5 crs 5
181 days to 269 days Rs. 1 cr to 5 crs 5.25
270 days to less than 1 year Rs. 1 cr to 5 crs 5.25
1Year Rs. 1 cr to 5 crs 5.5
More than 1year to less than 2 Years Rs. 1 cr to 5 crs 5.25
2 years Rs. 1 cr to 5 crs 5
More than 2 years to less than 3 years Rs. 1 cr to 5 crs 5
3 years to 5 years Rs. 1 cr to 5 crs 5
5 years and above Rs. 1 cr to 5 crs 5

 

For NRO Fixed Deposit - Rs. 100 cr to 200 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 100 cr to 200 cr 4
30 days to 45 days Rs. 100 cr to 200 cr 4
46 days to 60 days Rs. 100 cr to 200 cr 4.25
61 days to 90 days Rs. 100 cr to 200 cr 4.25
91 days to 180 days Rs. 100 cr to 200 cr 5
181 days to 269 days Rs. 100 cr to 200 cr 5.25
270 days to less than 1 year Rs. 100 cr to 200 cr 5.25
1Year Rs. 100 cr to 200 cr 5.5
More than 1year to less than 2 Years Rs. 100 cr to 200 cr 5.25
2 years Rs. 100 cr to 200 cr 5
More than 2 years to less than 3 years Rs. 100 cr to 200 cr 5
3 years to 5 years Rs. 100 cr to 200 cr 5
5 years and above Rs. 100 cr to 200 cr 5

 

For NRO Fixed Deposit - Rs. 200 cr and above (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 200 cr and above 4
30 days to 45 days Rs. 200 cr and above 4
46 days to 60 days Rs. 200 cr and above 4.25
61 days to 90 days Rs. 200 cr and above 4.25
91 days to 180 days Rs. 200 cr and above 5
181 days to 269 days Rs. 200 cr and above 5.25
270 days to less than 1 year Rs. 200 cr and above 5.25
1Year Rs. 200 cr and above 5.5
More than 1year to less than 2 Years Rs. 200 cr and above 5.25
2 years Rs. 200 cr and above 5
More than 2 years to less than 3 years Rs. 200 cr and above 5
3 years to 5 years Rs. 200 cr and above 5
5 years and above Rs. 200 cr and above 5

 

For NRO Fixed Deposit - Rs. 25 cr to 50 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 25 cr to 50 cr 4
30 days to 45 days Rs. 25 cr to 50 cr 4
46 days to 60 days Rs. 25 cr to 50 cr 4.25
61 days to 90 days Rs. 25 cr to 50 cr 4.25
91 days to 180 days Rs. 25 cr to 50 cr 5
181 days to 269 days Rs. 25 cr to 50 cr 5.25
270 days to less than 1 year Rs. 25 cr to 50 cr 5.25
1Year Rs. 25 cr to 50 cr 5.5
More than 1year to less than 2 Years Rs. 25 cr to 50 cr 5.25
2 years Rs. 25 cr to 50 cr 5
More than 2 years to less than 3 years Rs. 25 cr to 50 cr 5
3 years to 5 years Rs. 25 cr to 50 cr 5
5 years and above Rs. 25 cr to 50 cr 5

 

For NRO Fixed Deposit - Rs. 5 cr to 25 crs (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 5 cr to 25 crs 4
30 days to 45 days Rs. 5 cr to 25 crs 4
46 days to 60 days Rs. 5 cr to 25 crs 4.25
61 days to 90 days Rs. 5 cr to 25 crs 4.25
91 days to 180 days Rs. 5 cr to 25 crs 5
181 days to 269 days Rs. 5 cr to 25 crs 5.25
270 days to less than 1 year Rs. 5 cr to 25 crs 5.25
1Year Rs. 5 cr to 25 crs 5.5
More than 1year to less than 2 Years Rs. 5 cr to 25 crs 5.25
2 years Rs. 5 cr to 25 crs 5
More than 2 years to less than 3 years Rs. 5 cr to 25 crs 5
3 years to 5 years Rs. 5 cr to 25 crs 5
5 years and above Rs. 5 cr to 25 crs 5

 

For NRO Fixed Deposit - Rs. 50 cr to 75 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 50 cr to 75 cr 4
30 days to 45 days Rs. 50 cr to 75 cr 4
46 days to 60 days Rs. 50 cr to 75 cr 4.25
61 days to 90 days Rs. 50 cr to 75 cr 4.25
91 days to 180 days Rs. 50 cr to 75 cr 5
181 days to 269 days Rs. 50 cr to 75 cr 5.25
270 days to less than 1 year Rs. 50 cr to 75 cr 5.25
1Year Rs. 50 cr to 75 cr 5.5
More than 1year to less than 2 Years Rs. 50 cr to 75 cr 5.25
2 years Rs. 50 cr to 75 cr 5
More than 2 years to less than 3 years Rs. 50 cr to 75 cr 5
3 years to 5 years Rs. 50 cr to 75 cr 5
5 years and above Rs. 50 cr to 75 cr 5

 

For NRO Fixed Deposit - Rs. 75 cr to 100 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
7 days to 29 days Rs. 75 cr to 100 cr 4
30 days to 45 days Rs. 75 cr to 100 cr 4
46 days to 60 days Rs. 75 cr to 100 cr 4.25
61 days to 90 days Rs. 75 cr to 100 cr 4.25
91 days to 180 days Rs. 75 cr to 100 cr 5
181 days to 269 days Rs. 75 cr to 100 cr 5.25
270 days to less than 1 year Rs. 75 cr to 100 cr 5.25
1Year Rs. 75 cr to 100 cr 5.5
More than 1year to less than 2 Years Rs. 75 cr to 100 cr 5.25
2 years Rs. 75 cr to 100 cr 5
More than 2 years to less than 3 years Rs. 75 cr to 100 cr 5
3 years to 5 years Rs. 75 cr to 100 cr 5
5 years and above Rs. 75 cr to 100 cr 5

 

For NRE Fixed Deposit - Above Rs. 1 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
1Year Above Rs. 1 cr 5.5
More than 1year to less than 2 Years Above Rs. 1 cr 5.25
2 years Above Rs. 1 cr 5
2 years to less than 3 years Above Rs. 1 cr 5
3 years to less than 5 years Above Rs. 1 cr 5
5 years and above Above Rs. 1 cr 5

 

For NRE Fixed Deposit - Less than Rs. 1 cr (As on Jan 12, 2017)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (% p.a.)
1Year Less than Rs. 1 cr 6.5
More than 1year to less than 2 Years Less than Rs. 1 cr 6.5
2 years Less than Rs. 1 cr 6.5
2 years to less than 3 years Less than Rs. 1 cr 6.5
3 years to less than 5 years Less than Rs. 1 cr 6.5
5 years and above Less than Rs. 1 cr 6.25
Written By: PolicyBazaar - Updated: 12 October 2021
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