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FD Interest Rates

RATE OF INTEREST ON SINGLE DOMESTIC/NRO/NRE TERM DEPOSIT UPTO LESS THAN Rs.5 Crore w.e.f. 04-11-2024

 
EXISTING ROI
REVISED ROI
 
Domestic/ NRO Term Deposits
Domestic/ NRO Term Deposits
NRE Term Deposits
NRE Term Deposits
Domestic/ NRO Term Deposits
Domestic/ NRO Term Deposits
NRE Term Deposits
NRE Term Deposits
 
Below Rs. 1 Crore
Rs. 1 Crore to below Rs. 5 crore
Below Rs. 1 crore
Rs. 1 crore Crore to below Rs. 5 Crore
Below Rs. 1 Crore
Rs. 1 Crore to below Rs. 5 Crore
Below Rs. 1 Crore
Rs. 1 Crore to below Rs. 5 crore
Existing ROI %p.a.
Existing ROI %p.a.
Existing ROI %p.a.
Existing ROI %p.a.
Revised ROI %p.a.
Revised ROI %p.a.
Revised ROI %p.a.
Revised ROI %p.a.
7 to 14 days
3.5
3.5
X
X
3.5
3.5
X
X
15 to 29 days
3.5
3.5
X
X
3.5
3.5
X
X
30 to 45 days
3.5
3.5
X
X
3.5
3.5
X
X
46 to 90 days
4.75
5
X
X
4.75
5
X
X
91 to 179 days
5
5.5
X
X
5
5.5
X
X
180 to 270 days
6
6.6
X
X
6
6.6
X
X
271 days to l1 months and 02 days
7.1
7.1
X
X
7.1
7.1
X
X
*333 Days
X
X
X
X
7.4
7.4
X
X
>333 Days to < 01 year
7.1
7.1
X
X
7.1
7.1
X
X
1 year only
7.1
7.25
7.1
7.25
7.1
7.25
7.1
7.25
>1 year to 18 months and 14 days
6.7
6.7
6.7
6.7
6.7
6.7
6.7
6.7
*555 days(18 months and 15 days)
7.4
7.4
7.4
7.4
7.4
7.4
7.4
7.4
>18 months and 15 days days to less than 3 years
6.7
6.7
6.7
6.7
6.7
6.7
6.7
6.7
3-5 year
6.7
6.7
6.7
6.7
6.7
6.7
6.7
6.7
>5-10 yr
6.7
6.7
6.7
6.7
6.7
6.7
6.7
6.7

Note:-

  • Senior Citizen/Super Senior Citizen Will get additional benefit of 0.75% over the card rate Subject to maximum 8%.
  • Branches must ensure that FDR for 555 days to be opened with 18 months and 15 days tenure only for implementing correct rate of interest.
  • Branches must ensure that FDR for 333 days to be opened with 333 Days tenure only for implementing correct rate of interest.
The rate of interest on PGB Tax Saver Fixed Deposits w.e.f. 04-11-2024 remain unchanged as under:-
 
Period
Public (General)
Sr. Citizen/Super Senior Citizen
(Public General)
Staff Members/ Retired Staff *(Super Senior Citizen)
5 years
6.70
7.45
7.70
*Note – In case of Staff members as well as retired staff members who are also Senior Citizen/Super
Senior Citizen, maximum rate of interest to be allowed is 100 bps over the applicable card rates for general public.
 
Important Notes:
Sr.No
Particulars
Remarks
1.
Domestic Term Deposits less than Rs 1 Crore (All Maturities)
  • Senior citizens of age 60 years and above shall get an additional rate of interest of 75 bps over applicable card rates subject to the maximum of 8%.
  • Staff shall get an additional rate of interest of 100 bps over applicable card rates.
  • Retired & Ex Staff members who are also Senior citizens, shall get an additional rate of interest of 175 bps over applicable card rates subject to the maximum of 9%.
 
2.
Domestic Term Deposits Rs. 1 Crore & above
Additional benefit of 75bps for Senior citizen (general public) subject to the maximum of 8%, 100 bps for staff members and 175 bps for senior citizen staff (subject to maximum 9%) will be allowed.
3.
NRE/NRO Term Deposits less than Rs 1 Crore (All Maturities)
  • Senior citizens of age 60 years and above shall get an additional rate of interest of 75 bps over applicable card rates subject to the maximum of 8%.
  • Staff shall get an additional rate of interest of 100 bps over applicable card rates.
  • Retired & Ex Staff members who are also Senior citizens, shall get an additional rate of interest of 175 bps over applicable card rates subject to the maximum of 9%.
4.
NRE/NRO Term Deposits Rs. 1 Crore & above
Additional benefit of 75bps for Senior citizen (general public) subject to the maximum of 8%, 100 bps for staff members and 175 bps for senior citizen staff (subject to maximum 9%) will be allowed.
 
 

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