Download the Policybazaar app
to manage all your insurance needs.
Yes Bank FD Rates
YES Bank FD offers FD rates ranging from 3.25% p.a. to 7.25% p.a. for general depositors and from 3.75% p.a. to 3.75% p.a. for senior citizens, effective from 2nd June, 2026 (less than ₹3 crore). The deposit tenure ranges from 7 days to 10 years.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
-
Home
-
Financial Planning
-
Fixed Deposits
- Yes Bank FD Rates
YES Bank FD Interest Rates
-
General Public Interest Range: 3.25% – 7.25% p.a.
-
Senior Citizen Interest Range: 3.55% – 7.75% p.a.
-
Highest Yield Scheme: 7.25% p.a. for 18 months 1 day < 24 months
-
5-Year Tax Saver Rate: 6.75% p.a. (General Public) | 7.50% p.a. (Senior Citizens)
YES Bank Fixed Deposit Interest Rates (Below ₹3 Crore)
The highest YES Bank interest rate is up to 7.25% p.a. for general citizens and up to 7.75% p.a. for senior citizens on the same tenure of 18 months 1 day < 24 months, effective from 02nd June, 2026 (last verified in October 2026):
| Tenure | Regular Citizens Rates (p.a.) | Senior Citizens Rates (p.a.) |
| 7 days to 14 days | 3.25% | 3.75% |
| 15 days to 45 days | 3.50% | 4.00% |
| 46 days to 90 days | 4.50% | 5.00% |
| 91 days to 120 days | 4.75% | 5.25% |
| 121 days to 180 days | 4.75% | 5.25% |
| 181 days to 271 days | 6.00% | 6.50% |
| 272 days to 335 days | 6.25% | 6.75% |
| 336 days to < 12 months | 6.50% | 7.00% |
| 12 months | 6.65% | 7.15% |
| 12 months 1 day < 18 months | 6.75% | 7.25% |
| 18 months | 6.75% | 7.25% |
| 18 months 1 day < 24 months | 7.25% (Highest) | 7.75% (Highest) |
| 24 months < 35 months | 7.00% | 7.50% |
| 35 months | 6.90% | 7.40% |
| 35 months 1 day to < 36 months | 7.00% | 7.50% |
| 36 months to < 60 months | 7.00% | 7.75% |
| 60 months | 6.75% | 7.50% |
| 60 months 1 day to <= 120 months | 6.75% | 7.50% |
YES Bank FD interest rates w.e.f. 2nd June, 2026
How Are YES Bank FD Interest Rates Decided?
YES Bank sets its fixed deposit (FD) interest rates based on prevailing financial conditions, regulatory changes, and specific customer requirements.
-
Deposit Duration: Rates change depending on how long your money stays invested. Short periods (such as 7 to 14 days) offer lower returns, while mid-to-long terms (around 18 to 36 months) deliver the highest interest payouts.
-
Payout Preference: You can opt for regular interest payouts (monthly or quarterly) to cover living expenses, or choose the cumulative option to re-invest your earnings and earn interest on interest.
-
Investment Amount: Standard savings under ₹3 crore qualify for regular retail interest rates, whereas larger sums fall into bulk deposit categories with separate pricing schedules.
-
RBI Rate Movements: FD rates of every bank move in line with Reserve Bank of India policy changes. YES Bank also features floating-rate options linked to the RBI repo rate, allowing your return to adjust automatically whenever official benchmark rates move.
YES Bank FD Rates for Deposits Above ₹3 Crore to Less Than ₹5 Crore
The highest fixed deposit rate on deposits above 3 crore is 7.25% p.a. for general citizens and 8.00% p.a. for senior citizens, effective from 09th October 2026 (last verified in October 2026). Senior citizens get an additional 0.75% on deposits above 3 crore to less than 5 crore.
| Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
| 7 days to 14 days | 3.25% | 4.00% |
| 15 days to 30 days | 3.50% | 4.25% |
| 31 days to 45 days | 3.50% | 4.25% |
| 46 days to 60 days | 4.50% | 5.25% |
| 61 days to 90 days | 4.50% | 5.25% |
| 91 days to 120 days | 4.75% | 5.50% |
| 121 days to 150 days | 4.75% | 5.50% |
| 151days to 180 days | 4.75% | 5.50% |
| 181 days to 271 days | 6.00% | 6.75% |
| 272 days to 335 days | 6.25% | 7.00% |
| 336 days to less than 12 M | 6.50% | 7.25% |
| 12M (1 Year) | 6.65% | 7.40% |
| 12 M 1 D to < 15 Months | 6.75% | 7.50% |
| 15M to <18M | 6.75% | 7.50% |
| 18 M | 6.75% | 7.50% |
| 18M 1 Day to less than 2 Yrs | 7.25% (Highest) | 8.00% (Highest) |
| 2 YR to less than 35 M | 7.00% | 7.75% |
| 35 M | 6.90% | 7.65% |
| 35 M 1 Day to less than 3 Yrs | 7.00% | 7.75% |
| 3 Yrs to less than 5 Yrs | 7.00% | 7.75% |
| 5 Years | 6.75% | 7.50% |
| 5 Years 1 Day & Above | 6.75% | 7.50% |
Yes Bank FD Interest Rates for above 3 crore w.e.f. 09th October, 2026
YES Bank FD Rates Tax Saver
Yes Bank Tax Saver FD offers rates up to 6.75% p.a. for regular citizens and 7.50% p.a. for senior citizens on a 5-year tenure. In a tax saver FD, your money stays locked for a mandatory tenure of 5 years with no early withdrawal option. You can also claim tax deductions up to ₹1.5 lakh under Section 123 of the Income-tax Act, 2025, subject to applicable conditions. You can invest anywhere between ₹10,000 and ₹1.5 lakh per financial year and choose to receive your interest earnings monthly, quarterly, or as a lump sum at maturity.
YES Bank Senior Citizen FD Rates
YES Bank senior citizens FD interest rates are among the highest, offering rates that range from 3.75% to 7.75% p.a. on deposits below ₹3 crore. Senior citizens receive an extra 0.50% interest for tenures under 3 years and a higher 0.75% boost for terms of 3 years and above. Rates start at 3.75% for short-term deposits (7 to 14 days) and reach the highest rate of 7.75% on select mid-to-long-term options, such as 18 to 24 months or 3 to 5 years.
YES Bank FD Calculator
The YES Bank FD calculator quickly estimates your total returns and earned interest based on your deposit tenure, applicant type, and payout schedule. It displays maturity values as well as regular income options, excluding any applicable TDS tax deductions. This helps you easily compare different tenure options and make informed savings decisions without doing complex math.
FAQs
-
Q. What are the current FD rates of YES BANK?
The current YES Bank FD interest rates start from 3.50% p.a. up to 7.25% p.a. for general depositors and from 3.75% p.a. up to 7.75% p.a. for senior citizens for deposits below 3 crore, effective from 02nd June, 2026. -
Q. Is YES BANK safe for FD now?
YES Bank fixed deposits are considered a safe savings option today, backed by strong regulatory oversight from the Reserve Bank of India. Additionally, your deposits are protected under the DICGC insurance program, securing your principal and interest up to ₹5 lakh per depositor. -
Q. Which FD is best in YES BANK?
The best-performing fixed deposit (FD) tenure in YES Bank for general citizens is 18 months 1 day to less than 24 months, offering the highest interest rate of 7.25% p.a. and 7.75% p.a. for senior citizens, effective 02, June 2026. -
Q. What are the latest Yes Bank FCNR rates?
The YES Bank FCNR rates go up to 4.60% p.a. on USD currency for a period of 1 Yr to < 2 Yrs, effective from 5th October 2026.
FD Calculator
Interest Earned
Maturity AmountFD Rates Articles
Recent Articles
Popular Articles
10 Feb 2026
Fixed deposit (FD) interest rates in India currently range from
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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 7.4% 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ