For deposits below ₹3 Crores, Bandhan Bank currently offers FD interest rates between 2.95% and 7.25% p.a., while resident senior citizens can earn up to 7.75% p.a. on eligible tenures.
Below is the latest Bandhan Bank Domestic & NRO FD Interest Rate Chart effective from 25 March 2026.
| FD Tenure | General | Senior Citizen |
|---|---|---|
| 7 Days – 30 Days | 2.95% | 3.70% |
| 31 Days – Less than 2 Months | 3.45% | 4.20% |
| 2 Months – Less than 6 Months | 4.20% | 4.95% |
| 6 Months – Less than 1 Year | 4.20% | 4.95% |
| 1 Year – Less than 2 Years | 7.00% | 7.50% |
| 2 Years – Less than 5 Years | 7.25% | 7.75% |
| 5 Years – 10 Years | 5.85% | 6.60% |
| Tax Saver FD (5 Years) | 6.25% | 7.25% |
📌 Important FD Rules
- The highest FD returns are available between 2 and 5 years
- Tax Saver FD is eligible for Section 80C tax benefits up to ₹1.5 Lakh
- TDS may apply above ₹50,000 yearly interest for regular customers and ₹1,00,000 for senior citizens
- Premature FD closure attracts a 1% penalty on the applicable interest rate
- Senior citizen rates are available only for resident Indian customers
💡 Smart FD Tip: The 2–5 year bucket currently offers the best combination of return and tenure, outperforming the longer 5–10 year category.
📌 Quick Insight: Valid age proof is mandatory to claim senior citizen FD rates, and PAN should be linked to avoid higher TDS deductions.
⚠ Important: Tax Saver FDs have a compulsory 5-year lock-in period and cannot be closed before maturity.
You can verify the latest rates directly from the official Bandhan Bank Rates & Charges page .
💡 Expert FD Tip: If your FD gets auto-renewed, act quickly. Delaying closure beyond the grace period may attract a 1% premature withdrawal penalty. Setting maturity alerts can help protect your liquidity.
Read Below: FD Calculator • FD Types • Features & Benefits • Premature Withdrawal Rules • Tax Saver FD Details
1. What is a Bandhan Bank FD Interest Calculator?
A Bandhan Bank FD Interest Calculator is an online tool that helps you estimate the maturity amount and total interest earned on your Fixed Deposit before investing. Instead of calculating returns manually, you can enter the deposit amount, tenure, and interest rate to get instant results.
The calculator uses different calculation methods based on the FD tenure:
- Below 6 Months: Simple Interest
- 6 Months to 10 Years: Quarterly Compounding
Quick Example (2-Year FD)
If you invest ₹1,00,000 in a 2-year Bandhan Bank FD:
1. Scenario A: General Investor Strategy
- Principal Investment: ₹1,00,000
- Selected Tenure: 2 Years (Peak Bucket)
- Applicable Interest Rate: 7.25% p.a.
- Compounding Frequency: Quarterly Reinvestment
- Estimated Maturity Amount: ~₹1,15,454
- Total Interest Earned: ~₹15,454
2. Scenario B: Senior Citizen Yield Maximizer
- Principal Investment: ₹1,00,000
- Selected Tenure: 2 Years (Peak Bucket)
- Applicable Interest Rate: 7.75% p.a.
- Compounding Frequency: Quarterly Reinvestment
- Estimated Maturity Amount: ~₹1,16,590
- Total Interest Earned: ~₹16,590
You can also use our calculator to compare different FD amounts, tenures, and senior citizen rates instantly.
📌 For example: A small difference of 0.50% in FD rates may not look significant, but on larger deposits and longer tenures, it can add thousands of rupees to your final maturity amount.
2. Key Bandhan Bank FD Rules You Should Know
Before opening a Fixed Deposit, keep these important rules and tax guidelines in mind:
- TDS Rules: The bank deducts TDS if your total FD interest in a financial year exceeds ₹40,000 (₹50,000 for senior citizens).
- PAN Requirement: If PAN is not linked with your account, the TDS rate can increase from 10% to 20%.
- Form 15G/15H Benefit: Eligible customers can submit Form 15G, while senior citizens can submit Form 15H to avoid unnecessary TDS deductions.
- Loan Against FD: Instead of breaking your FD early, you may avail a loan or overdraft of up to 90% of the FD value, subject to bank rules.
- Minimum Deposit Amount: You can start a Bandhan Bank FD with just ₹1,000.
📌 Worth Knowing: Many investors break their FD during emergencies and lose part of their returns. In many situations, taking a loan against the FD can be a better option as your deposit continues earning interest while you get access to funds.
3. Different types of Bandhan Bank Fixed Deposits
Bandhan Bank offers different FD options to suit regular savers, tax-saving investors, and customers who prefer a fully digital banking experience.
1. Standard Fixed Deposit
The regular FD scheme designed for investors looking for safe and flexible returns over a chosen tenure.
- Tenure from 7 days to 10 years
- Quarterly compounding available
- Flexible investment options
- Premature withdrawal allowed as per bank rules
- Suitable for both short-term and long-term savings
2. Tax Saver Fixed Deposit
A tax-saving FD that combines guaranteed returns with Section 80C benefits.
- Eligible for Section 80C tax deductions up to ₹1.5 lakh
- Mandatory 5-year lock-in period
- Regular Citizen Rate: 6.25% p.a.
- Senior Citizen Rate: 7.25% p.a.
- Premature withdrawal not allowed
3. Neo+ Digital Fixed Deposit
A fully digital FD option for customers who prefer online banking.
- 100% paperless account opening
- Video KYC facility available
- No branch visit required
- Quick online FD creation
- Safe and secure digital process
4. Dhan Samriddhi Fixed Deposit
A goal-based FD designed for people saving for future expenses such as education, marriage, travel, festivals, or home improvements.
- Minimum deposit starts from ₹5,000
- Interest is reinvested to help your money grow
- Tenure available from 6 months to 10 years
- Loan or overdraft facility available against the FD
- Auto-renewal option available
- Nominee facility available
📌 Worth Knowing: Many investors use the Dhan Samriddhi FD for planned expenses a few years away. Since the interest keeps getting added back to the deposit, it can be a simple way to build a dedicated fund for a future goal.
4. How to Get the Highest Bandhan Bank FD Rate
Let’s understand this with a simple example.
Example: Smt. Suman (Age 65)
Smt. Suman is 65 years old, so she qualifies as a senior citizen and gets a higher FD interest rate than regular customers.
Step 1: Choose the Best FD Tenure
According to Bandhan Bank’s current FD rates, the 2 Years to Less Than 3 Years tenure offers the highest return for senior citizens.
- Senior Citizen Rate: 7.70% p.a.
- Regular Citizen Rate: 7.20% p.a.
This tenure is often preferred because it offers one of the best rates without locking money for too many years.
Step 2: Select a Cumulative FD
Instead of choosing monthly payouts, Suman opts for a Cumulative Fixed Deposit.
- Interest is added back to the FD every quarter
- Returns keep growing through compounding
- Final maturity amount becomes higher
Step 3: See the Difference
Suppose Suman invests ₹5,00,000 for 2 years and 6 months at 7.70% p.a.
Compared to:
- A 1-year FD with a lower rate, or
- A regular savings account,
she earns a much better return without taking any market risk.
Why This Strategy Works
- Senior citizens get an extra interest benefit
- The 2–3 year tenure currently offers the highest rate
- Quarterly compounding helps increase returns
- Money is not locked for a very long period
- No stock market or mutual fund risk involved
📌 Quick Fact: If Suman were below 60 years of age, she would earn 7.20% p.a. instead of 7.70% p.a. on the same FD. That extra 0.50% may look small, but on larger deposits it can make a noticeable difference to the final maturity amount.
5. How to Open a Bandhan Bank FD Online
If you already have a Bandhan Bank savings account, you can open a Fixed Deposit online in just a few minutes without visiting a branch.
- Open the Bandhan Bank Mobile Banking App on your phone.
- Log in securely using your mPIN or biometric authentication.
- From the dashboard, go to the Investments & Deposits section.
- Click on Open Fixed Deposit to start a new FD.
- Select the savings account from which the deposit amount will be debited.
- Enter your investment amount. You can start with as little as ₹1,000.
- Choose your preferred FD tenure. To earn one of the highest available rates, consider selecting a tenure between 2 Years and Less Than 5 Years.
- Select your interest payout option:
- Cumulative FD
- Monthly Payout
- Quarterly Payout
- Add or verify your nominee details for added security.
- Review all details carefully and confirm the request. Your digital FD receipt will be generated instantly.
📌 Worth Knowing: Many people choose the cumulative option because the interest gets reinvested every quarter, helping the maturity amount grow faster through compounding over the FD tenure.
Frequently Asked Questions
What is the maximum duration available for a Bandhan Bank FD?
The longest time horizon allowed for a retail term account is 10 years. You can pick any custom duration stretching from 7 days up to this 10-year ceiling.
Do senior citizen interest benefits apply to NRI accounts?
No. Bandhan Bank policy states that additional senior citizen interest premiums are strictly available for domestic resident accounts. Non-Resident External (NRE) accounts receive the standard public rate across all tenures.
Which is better, HDFC Bank or Bandhan Bank for an FD?
HDFC Bank offers stability and brand trust, while Bandhan Bank usually gives higher FD interest rates. If return matters more than brand, Bandhan Bank can be better.
What is Bandhan Bank’s monthly income scheme interest rate?
Bandhan Bank does not have a separate MIS, but monthly interest payout FDs offer up to 7.70% for senior citizens, depending on tenure and deposit amount.
What is the monthly interest for ₹1 lakh in Bandhan Bank FD?
On a ₹1 lakh FD at 7.70%, senior citizens can earn around ₹640 per month before tax, depending on tenure and monthly payout option selected.
Can I open a Bandhan Bank FD without an account?
Yes, through Neo+ Digital Fixed Deposit, even non-customers can open an FD online using Aadhaar, PAN, mobile number, and video KYC, without visiting a branch.
Can non-callable deposits be broken early under any condition?
Non-callable deposits strictly block early termination privileges. They can only be cleared prior to maturity under extreme regulatory conditions or bankruptcy liquidation proceedings subject to heavy structural management deductions.
How does the Bandhan Bank FD rate calculator work?
The FD calculator shows interest earned and maturity amount based on deposit amount, tenure, and interest payout type, helping customers easily plan their savings and returns.
What FD interest rate do senior citizens get in Bandhan Bank?
Senior citizens in Bandhan Bank can earn up to 7.70% interest per year, which is 0.50% higher than regular customers, mainly on 2 to 3-year fixed deposits.
Is Bandhan Bank FD safe for senior citizens?
Yes, Bandhan Bank FD is safe for senior citizens as it is RBI-regulated and offers guaranteed returns, making it suitable for retirees seeking steady and predictable income.
Can senior citizens get a monthly income from Bandhan Bank FD?
Yes, senior citizens can choose monthly interest payout FDs, which help cover regular expenses like medicines and household bills, while keeping the main deposit amount safe.
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