Yes Bank FD interest rates vary between 3.25% and 8.25% annually based on the deposit amount, term, and category of the customer (general and senior citizens). Fixed deposits are offered by the bank for a term ranging from 7 days up to 10 years. Senior citizens are given an additional interest rate of up to 0.75% on qualifying terms.
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.
Here are some of the key benefits of opening a Yes Bank FD.
Using the Sweep-out feature, you can automatically move the unutilised funds from Savings to FD and earn higher interest.
Resident senior citizens get up to 0.50% extra for tenure less than 3 years and 0.75% extra for tensures of 3 years and above, with no penalty for premature withdrawals. This makes the FD ideal for stable, long-term income.
You can avail of an overdraft up to 90% of your FD value, providing liquidity without breaking the deposit. Interest rates are lower than personal loans.
Manage FDs online with YES Online, Mobile App, WhatsApp Banking, or even through YES ROBOT chatbot. You can also enable sweep-in and sweep-out to automatically convert idle savings into an FD and maintain liquidity.
You can auto-renew your deposit at maturity and add a nominee for smoother processing in case of unforeseen events.
For deposits below ₹5 Cr, premature withdrawal incurs a 0.75% penalty for tenures up to 181 days and 1.00% for periods beyond 181 days. Senior citizens are exempt from any penalty.
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 (% p.a.) | Senior Citizen (% p.a.) |
| 7 – 14 days | 3.25 | 3.75 |
| 15 – 45 days | 3.70 | 4.20 |
| 46 – 90 days | 5.00 | 5.50 |
| 91 – 120 days | 5.00 | 5.50 |
| 121 – 180 days | 5.00 | 5.50 |
| 181 – 271 days | 6.25 | 6.75 |
| 272 days – < 12 months | 6.50 | 7.00 |
| 12 months | 7.00 | 7.50 |
| 12 months 1day – < 36 month | 7.50 | 8.00 |
| 36 months – < 60 months | 7.50 | 8.25 |
| 60 months | 7.50 | 8.25 |
| 60 months 1day – ≤ 120 months | 7.00 | 7.75 |
*Yes Bank FD interest rates w.e.f. April 21, 2025
Note: Yields are annualised and compounded quarterly.
| 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 1, 2025
| 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 – 5.65 | 5.35 – 6.15 |
| 46 to 60 Days | 4.90 – 6.05 | 5.40 – 6.55 |
| 61 to 90 Days | 5.00 – 6.45 | 5.50 – 6.95 |
| 91 to 120 Days | 6.80 | 7.30 |
| 121 to 150 Days | 6.80 | 7.30 |
| 151 to 180 Days | 6.90 | 7.40 |
| 181 to 270 Days | 7.00 | 7.50 |
| 271 Days to < 1 Year | 7.05 | 7.55 |
| 12 Months (1 Year) | 7.15 | 7.65 |
| 12 Months 1 Day to 12 Months 20 Days | 7.15 | 7.65 |
| 12 Months 21 Days to < 15 Months | 7.15 | 7.65 |
| 15 Months | 7.10 | 7.60 |
| 15 Months 1 Day to < 18 Months | 7.10 | 7.60 |
| 18 Months < 20 Months | 7.10 | 7.60 |
| 20 Months to 22 Months | 7.10 | 7.60 |
| 22 Months 1 Day to < 2 Years | 7.10 | 7.60 |
| 2 Years to < 3 Years | 7.00 | 7.50 |
| 3 Years to < 5 Years | 7.00 | 7.75 |
| 5 Years | 6.95 | 7.70 |
| 5 Years 1 Day & Above | 6.95 | 7.70 |
**Yes Bank FD interest rates w.e.f. June 1, 2025
You can open a Yes Bank Fixed Deposit (FD) using either online or offline methods. Here’s a step-by-step guide for each option:
You can open a Yes Bank FD online through the following platforms:
For those who prefer visiting a branch:
To open a Yes Bank FD, you may need the following:
Yes Bank FD interest is treated as taxable income and must be declared under “Income from Other Sources.” TDS applies when the total interest crosses ₹50,000 in a financial year, or ₹1 lakh for senior citizens. The bank deducts TDS at 10 if PAN is submitted; otherwise, a higher 20% rate is applied. To prevent TDS, eligible depositors, those whose total income falls below the taxable limit, can submit Form 15G/15H (for non-senior and senior citizens). Even if TDS isn't deducted, the interest must still be reported in your tax return.
Yes Bank FD interest rates go up to 8.25% for senior citizens and 7.50% 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.
* Tax adjustment considering income tax slab of 30%
** Life cover for a plan with an annualized premium of Rs 1L
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