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“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”

“{ "headings": [ "Resident Term Deposits", "NRE Term Deposits", "Loans", "Savings Bank Accounts", "FCNR (B) Deposits", "RFC Deposits", "Forex Rates", "IBU GIFT City Deposit Rates", "Deposit Plus Rates (Non-Callable)", "FCNR Max", "RESIDENT TERM DEPOSIT INTEREST RATES", "Deposit amount from 15L to less than 2 Crores", "Deposit tenures from 5 years to 20 years", "For Resident Individuals Only", "Minimum Amount: ₹1,00,00,001/-", "Pre closure not allowed", "Minimum Period: 12 Months", "Period", "Rates of Interest (Deposit Less than ₹3 Cr)", "General Public", "Senior Citizen*", "Effective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)", "Penalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022", "1. Revised Premature withdrawal penalty structure for Rupee Term deposits", "Period of Deposit*", "Penal Interest", "2. Premature withdrawal penalty structure for", "Smart Deposit Scheme", "Period of Deposit", "Penal Interest", "Who we are", "Media Corner", "Investor Relations", "Customer Relations", "Useful Links", "Popular Searches :", "Other Links :" ], "links": [ { "href": "https://www.federal.bank.in/deposit-rate#main-content", "text": "Skip to main content" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Account–Fintech" }, { "href": "https://www.federal.bank.in/fintech-partnerships", "text": "Savings Accounts- Fintech" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/clear-tax", "text": "eFile Tax Returns" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/cdm", "text": "Cash Deposit Machines" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Savings Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Savings Accounts" }, { "href": "https://www.federal.bank.in/nri-deposits", "text": "NRI Deposits" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Remittance to India" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments" }, { "href": "https://www.federal.bank.in/online-tax-payment-via-fednet", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/safe-deposit-lockers", "text": "Safe Deposit Lockers" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Products" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/recurring-deposits", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/loans-against-fixed-deposits", "text": "Loan against Fixed Deposits" }, { "href": "https://www.federal.bank.in/corporate-finance/term-loans", "text": "Term Loans" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Payments Solutions" }, { "href": "https://www.federal.bank.in/pos", "text": "Point of Sales (PoS) Terminals" }, { "href": "https://www.federal.bank.in/deposit-rate#", "text": "Ways to Bank" }, { "href": "https://www.federal.bank.in/online-tax-payment", "text": "Online Tax Payment" }, { "href": "https://www.federal.bank.in/federal247-scheme", "text": "Federal 247 - Savings Accounts" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "Resident Term Deposits" }, { "href": "https://www.federal.bank.in/nre-fixed-deposits", "text": "NRE Term Deposits" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "Savings Bank Accounts" }, { "href": "https://www.federal.bank.in/fcnr-b-deposits", "text": "FCNR (B) Deposits" }, { "href": "https://www.federal.bank.in/rfc-deposits", "text": "RFC Deposits" }, { "href": "https://www.federal.bank.in/ibu-gift-city-deposit-rates", "text": "IBU GIFT City Deposit Rates" }, { "href": "https://www.federal.bank.in/deposit-plus-rates", "text": "Deposit Plus Rates (Non-Callable)" }, { "href": "https://www.federal.bank.in/deposits", "text": "deposits" }, { "href": "https://www.federal.bank.in/deposit-rate?p_p_id=InterestRateUser_WAR_InterestRateUserportlet&p_p_lifecycle=2&p_p_state=normal&p_p_mode=view&p_p_resource_id=exportAction&p_p_cacheability=cacheLevelPage&_InterestRateUser_WAR_InterestRateUserportlet_cmd=exportToGuestPDF", "text": "Deposits Rates PDF file" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/1.+Effective+annualized+rate+of+return+web+admin+-Resident-NRO+TD+17.08.2026.pdf/d470bd3a-9387-f6a2-518d-8d7d50e38e3a?t=1786941528500", "text": "Download PDF (430.32 KB)" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "Effective annualized rate of return - Resident Deposit Plus" }, { "href": "https://www.federal.bank.in/documents/10180/950515029/2.+Effective+annualized+rate+of+return-+Resident+deposit+plus+web+admin+17.08.2026.pdf/9d7466fd-1642-0950-72cb-25f0f4eadefc?t=1786942055388", "text": "" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/annual-reports", "text": "Annual Reports" }, { "href": "https://www.federal.bank.in/direct-tax-collection", "text": "Direct Tax collection" }, { "href": "https://www.federal.bank.in/general-terms-and-conditions", "text": "General Terms & Conditions" }, { "href": "https://www.federal.bank.in/unclaimed-deposits", "text": "Details of Unclaimed Deposits" }, { "href": "https://www.federal.bank.in/privacy-policy", "text": "Privacy Policy" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "Cookie Policy" }, { "href": "https://www.federal.bank.in/disclaimer", "text": "Terms of Services & Disclaimer" }, { "href": "https://www.federal.bank.in/deposits", "text": "Deposits" }, { "href": "https://www.federal.bank.in/fixed-deposits", "text": "Fixed Deposits" }, { "href": "https://www.federal.bank.in/federal-savings-fund", "text": "Recurring Deposits" }, { "href": "https://www.federal.bank.in/savings-accounts", "text": "Savings Accounts" }, { "href": "https://www.federal.bank.in/nre-savings-accounts", "text": "NRE Saving Accounts" }, { "href": "https://www.federal.bank.in/nro-savings-accounts", "text": "NRO Saving Accounts" }, { "href": "https://www.federal.bank.in/fixed-deposit-calculator", "text": "FD Calculator" }, { "href": "https://www.federal.bank.in/recurring-deposits-calculator", "text": "RD Calculator" }, { "href": "https://www.federal.bank.in/home-loan-emi-calculator", "text": "Home Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/car-loan-emi-calculator", "text": "Car Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/gold-loans-interest-rate", "text": "Gold Loan Calculator" }, { "href": "https://www.federal.bank.in/credit-card-emi-calculator", "text": "Credit Card EMI Calculator" }, { "href": "https://www.federal.bank.in/personal-loan-emi-calculator", "text": "Personal Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/property-loan-emi-calculator", "text": "Property Loan EMI Calculator" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "FD Interest Rates" }, { "href": "https://www.federal.bank.in/deposit-rate", "text": "RD Interest Rates" }, { "href": "https://www.federal.bank.in/savings-rate", "text": "SB Interest Rates" }, { "href": "https://www.federal.bank.in/cookie-policy", "text": "click here." } ], "tables": [ { "i": 0, "rows": [ [ "Period", "Single Deposit Less than ₹300 Lakhs - General Public", "Single Deposit Less than ₹300 Lakhs - Senior Citizen" ], [ "7 days to 29 days", "3.00%", "3.50%" ], [ "30 days to 45 days", "3.25%", "3.75%" ], [ "46 days to 90 days", "4.25%", "4.75%" ], [ "91 days to 180 days", "4.50%", "5.00%" ], [ "181 days", "6.00%", "6.50%" ], [ "182 days to 270 days", "5.50%", "6.00%" ], [ "271 days to less than 1 year", "6.00%", "6.50%" ], [ "1 year", "6.25%", "6.75%" ], [ "Above 1 year to less than 15 Months", "6.40%", "6.90%" ], [ "15 Months", "6.65%", "7.15%" ], [ "Above 15 Months to 24 Months", "6.40%", "6.90%" ], [ "Above 24 months to less than 48 months", "6.50%", "7.00%" ], [ "48 months", "6.70%", "7.20%" ], [ "Above 48 months to 10 years", "6.40%", "6.90%" ] ], "text": "Period Single Deposit Less than ₹300 Lakhs - General Public Single Deposit Less than ₹300 Lakhs - Senior Citizen 7 days to 29 days 3.00% 3.50% 30 days to 45 days 3.25% 3.75% 46 days to 90 days 4.25% 4.75% 91 days to 180 days 4.50% 5.00% 181 days 6.00% 6.50% 182 days to 270 days 5.50% 6.00% 271 days to less than 1 year 6.00% 6.50% 1 year 6.25% 6.75% Above 1 year to less than 15 Months 6.40% 6.90% 15 Months 6.65% 7.15% Above 15 Months to 24 Months 6.40% 6.90% Above 24 months to less than 48 months 6.50% 7.00% 48 months 6.70% 7.20% Above 48 months to 10 years 6.40% 6.90%" }, { "i": 1, "rows": [ [ "Period of Deposit" ], [ "Period", "Rates of Interest (Rates in % p.a)" ], [ "General Public", "Senior Citizen*" ], [ "5 years to 10 years", "6.40%", "6.90%" ], [ "Above 10 years to 20 years", "6.00%", "6.15%" ] ], "text": "For Resident Individuals Only Period of Deposit Period Rates of Interest (Rates in % p.a) General Public Senior Citizen* 5 years to 10 years 6.40% 6.90% Above 10 years to 20 years 6.00% 6.15%" }, { "i": 2, "rows": [ [ "Period" ], [ "Period", "Rates of Interest (Deposit Less than ₹3 Cr)" ], [ "General Public", "Senior Citizen*" ], [ "1 year", "6.35%", "6.85%" ], [ "Above 1 year to less than 15 months", "6.50%", "7.00%" ], [ "15 months", "6.75%", "7.25%" ], [ "Above 15 months to 24 months", "6.50%", "7.00%" ], [ "Above 24 months to less than 48 months", "6.60%", "7.10%" ], [ "48 months", "6.85%", "7.35%" ], [ "Above 48 months to 5 years", "6.50%", "7.00%" ] ], "text": "Minimum Period: 12 Months Period Period Rates of Interest (Deposit Less than ₹3 Cr) General Public Senior Citizen* 1 year 6.35% 6.85% Above 1 year to less than 15 months 6.50% 7.00% 15 months 6.75% 7.25% Above 15 months to 24 months 6.50% 7.00% Above 24 months to less than 48 months 6.60% 7.10% 48 months 6.85% 7.35% Above 48 months to 5 years 6.50% 7.00%" }, { "i": 3, "rows": [ [ "Interest Rates for RFC Deposits" ], [ "Effective annualized rate of return - Resident Deposit Plus", "(PDF - 429 KB)" ] ], "text": "Interest Rates for RFC Deposits Effective annualized rate of return - Resident Deposit Plus (PDF - 429 KB)" }, { "i": 4, "rows": [ [ "File name", "Description", "Download" ], [ "HVD Web Interest 14.08.2026", "Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above", "PDF (261.01KB)" ] ], "text": "File name Description Download HVD Web Interest 14.08.2026 Interest rates for Resident & NRE Term Deposits of Rs.3 crore and above PDF (261.01KB)" }, { "i": 5, "rows": [ [ "File name", "Description", "Download" ], [ "HVD-NW webinterest 14.08.2026", "Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above", "PDF (243.79KB)" ] ], "text": "File name Description Download HVD-NW webinterest 14.08.2026 Interest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above PDF (243.79KB)" }, { "i": 6, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit*", "Penal Interest" ], [ "Single deposit of less than ₹3 Crores", "Single deposit of ₹3 Crores and above" ], [ "Up to and including 15 days", "0%", "1%" ], [ "Above 15 days", "1%", "1%" ] ], "text": "Revised Premature withdrawal Period of Deposit Period of Deposit* Penal Interest Single deposit of less than ₹3 Crores Single deposit of ₹3 Crores and above Up to and including 15 days 0% 1% Above 15 days 1% 1%" }, { "i": 7, "rows": [ [ "Period of Deposit" ], [ "Period of Deposit", "Penal Interest" ], [ "Up to and including 90 days", "0%" ], [ "Above 90 days", "1%" ] ], "text": "Period for which the deposit is maintained Period of Deposit Period of Deposit Penal Interest Up to and including 90 days 0% Above 90 days 1%" } ], "text": "Skip to main content \nSearch Bar\nSearch\n A- A A+ \nLight Mode\nLight Mode\n \n1800-425-1199\nLogin\nFed-e-Point\nPersonal\nNRI\nBusiness\nOpen an Account\nCareers\nFederal Rewards\nFAQs\nLocate Us\nHome\nInterest Rates\nResident Term Deposits\nResident Term Deposits\nNRE Term Deposits\nLoans\nSavings Bank Accounts\nFCNR (B) Deposits\nRFC Deposits\nForex Rates\nIBU GIFT City Deposit Rates\nDeposit Plus Rates (Non-Callable)\nFCNR Max\nRESIDENT TERM DEPOSIT INTEREST RATES\n\nWe understand your preference for ‘Safety, Liquidity and Return', while choosing your bank. Hence we remain committed to ensure that your Fixed deposits with us earn handsome returns too, by way of interest. We are transparent in communicating the interest rates and charges of our bank on deposits.\n\nPlease do visit this page often since these deposit interest rates are subject to periodic revision. Resident Term Deposits interest rates are also applicable to Resident Cash Certificate, Federal Savings Fund, Federal Tax Savings Deposits and NRO Fixed Deposits\n\nONR accounts are not eligible for additional interest offered to senior citizens.\nThe Minimum tenor for earning the interest on Resident/ONR Fixed Deposit is 7 days.\n\n \n\nInterest rates for Resident Term Deposits effective from 17-08-2026 (Rates in % p.a)\n\nPeriod\tSingle Deposit Less than ₹300 Lakhs - General Public\tSingle Deposit Less than ₹300 Lakhs - Senior Citizen\n7 days to 29 days\t3.00%\t3.50%\n30 days to 45 days\t3.25%\t3.75%\n46 days to 90 days\t4.25%\t4.75%\n91 days to 180 days\t4.50%\t5.00%\n181 days\t6.00%\t6.50%\n182 days to 270 days\t5.50%\t6.00%\n271 days to less than 1 year\t6.00%\t6.50%\n1 year\t6.25%\t6.75%\nAbove 1 year to less than 15 Months\t6.40%\t6.90%\n15 Months\t6.65%\t7.15%\nAbove 15 Months to 24 Months\t6.40%\t6.90%\nAbove 24 months to less than 48 months\t6.50%\t7.00%\n48 months\t6.70%\t7.20%\nAbove 48 months to 10 years\t6.40%\t6.90%\n\nDeposits Rates PDF file\n\n \n\nInterest rates for Annuity Deposits with effective from 17-08-2026\nDeposit amount from 15L to less than 2 Crores\nDeposit tenures from 5 years to 20 years\nFor Resident Individuals Only\n\n \n\nFor Resident Individuals Only\nPeriod of Deposit\n\nPeriod\n\n\t\n\nRates of Interest (Rates in % p.a)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n5 years to 10 years\n\n\t\n\n6.40%\n\n\t\n\n6.90%\n\nAbove 10 years to 20 years\n\n\t\n\n6.00%\n\n\t\n\n6.15%\n\nEffective Annualized Rate of Return for Resident/NRO Term Deposit [Reinvestment - Cash Certificate Schemes] - Single deposits of less than ₹300 Lakhs .\n\nEffective Annualized Rate of Return\nDownload PDF (430.32 KB)\n\n \n\nDeposit Plus (Non Callable - Resident and NRO TD without premature withdrawal)- effective from 17.08.2026\nMinimum Amount: ₹1,00,00,001/-\nPre closure not allowed\nMinimum Period: 12 Months\n\n \n\nMinimum Period: 12 Months \nPeriod\n\nPeriod\n\n\t\n\nRates of Interest (Deposit Less than ₹3 Cr)\n\nGeneral Public\n\n\t\n\nSenior Citizen*\n\n1 year\n\n\t\n\n6.35%\n\n\t\n\n6.85%\n\nAbove 1 year to less than 15 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n15 months\n\n\t\n\n6.75%\n\n\t\n\n7.25%\n\nAbove 15 months to 24 months\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\nAbove 24 months to less than 48 months\n\n\t\n\n6.60%\n\n\t\n\n7.10%\n\n48 months\n\n\t\n\n6.85%\n\n\t\n\n7.35%\n\nAbove 48 months to 5 years\n\n\t\n\n6.50%\n\n\t\n\n7.00%\n\n \n\n* NRO Accounts are not eligible for the benefit of Senior Citizen Rates.\n\nEffective Annualized Rate of Return for Deposit Plus Reinvestment schemes - single deposits of less than ₹300 Lakhs-Deposit Plus (Resident)\n\nInterest Rates for RFC Deposits\nEffective annualized rate of return - Resident Deposit Plus\n\t  (PDF - 429  KB)\nFile name\tDescription\tDownload\nHVD Web Interest 14.08.2026\tInterest rates for Resident & NRE Term Deposits of Rs.3 crore and above\t PDF (261.01KB)\nFile name\tDescription\tDownload\nHVD-NW webinterest 14.08.2026\tInterest rates for Resident & NRE Term deposit (Non Withdrawable) of Rs 3 Crore and above\t PDF (243.79KB)\n\nPenalty for premature withdrawal of Rupee Term Deposits Opened/Renewed w.e.f 21.10.2022\n\n \n\n1. Revised Premature withdrawal penalty structure for Rupee Term deposits \n\nRevised Premature withdrawal\nPeriod of Deposit\n\nPeriod of Deposit*\n\n\t\n\nPenal Interest\n\nSingle deposit of less than ₹3 Crores\n\n\t\n\nSingle deposit of ₹3 Crores and above\n\nUp to and including 15 days\n\n\t\n\n0%\n\n\t\n\n1%\n\nAbove 15 days\n\n\t\n\n1%\n\n\t\n\n1%\n\n*Period for which the deposit is maintained with the Bank, irrespective of the contracted tenor\n\n \n\n2. Premature withdrawal penalty structure for Smart Deposit Scheme\n\nPeriod for which the deposit is maintained\nPeriod of Deposit\n\nPeriod of Deposit\n\n\t\n\nPenal Interest\n\nUp to and including 90 days\n\n\t\n\n0%\n\nAbove 90 days\n\n\t\n\n1%\n\nWho we are\nAbout Us\nKey Personnel\nOur Founder\nAwards and Accolades\nCorporate Social Responsibility\nMilestones\nList of Official Spokespersons\nMusical Logo\nSocial Media Centre\nFed Hive\nMedia Corner\nPress Release\nPress Coverage\nSpeeches\nOnline Press Kit\nInvestor Relations\nFinancial Results\nAnnual Reports\nRegulatory Disclosures Section\nDisclosure under 46 & 62\nShareholders Information\nShare Page - NSE\nShare Page - BSE\nDividend History\nUnclaimed/ Unpaid Dividend\nESOS\nCustomer Relations\nDirect Tax collection\nFinancial Inclusion\nContact Center\nUpdate KYC Details Online\nUpdate PAN/Aadhaar Details Online\nKYC Norms\nCodes, Policies & Disclosures\nLodge a Complaint\nComplaint Form\nODR portal\nReport Unauthorized Transaction\nRBI Advisory Messages\nRBI Kehta Hai\nKnow Your Bank Notes- Paisa Bolta Hai\nAnti Money Laundering\nRecovery Agents & Collection Agents\nInformation on secured assets possessed under the SARFAESI Act,2002\nDo Not Call Registry\nOutbound Calls for Fraud Monitoring\nCustomer Learning\nDoorstep Banking -Senior Citizens & Differently Abled\nMSME Portal\nList of Lending Partners\nList of Corporate Business Correspondents\nGeneral Terms & Conditions\nUseful Links\nKnow Your Credit Score\nCalendar 2026\nLocate Us\nCareers\nCentralised Positive Pay System\nTrack Remittances Online\nQuick EMI\nForms & Stationery\nRetirees' Space\nDetails of Unclaimed Deposits\nMutual Fund Documents and Commission Disclosure\nPrivacy Policy\nCookie Policy\nGlossary\nSitemap\nTerms of Services & Disclaimer\nTenders & Sale Notices\nTutorial Videos\nFed e Certificate\nInactive Accounts Activation\nClaim Settlement Portal\n\nPopular Searches :\n\nDeposits | Fixed Deposits | Recurring Deposits | Savings Accounts | Current Accounts | Credit Cards | Personal Loans | Home Loan | Car Loans | Gold Loans | Property Loans | NRE Saving Accounts | NRO Saving Accounts\n\nOther Links :\n\nFD Calculator | RD Calculator | Home Loan EMI Calculator | Car Loan EMI Calculator | Gold Loan Calculator | Credit Card EMI Calculator | Personal Loan EMI Calculator | Property Loan EMI Calculator | FD Interest Rates | RD Interest Rates | SB Interest Rates | Forex Rates Property Loan Interest Rates | Home Loan Interest Rates | Gold Loan Interest Rates | Car Loan Interest Rates | Personal Loan Interest Rates\n\n \n \n \n \n \n \n\n© 2026 The Federal Bank Limited Site best viewed in Microsoft Edge 109+, Firefox 115+, Chrome 109+, Safari 13.0+ at 1024 x 768 pixels resolution.\nLast Updated On : 19 Aug 2026\nDisclaimer: We use cookies to provide a user-friendly experience. By continuing to browse this site, it shall be deemed that you have accorded your consent to us for the use of cookies and accepted the terms of our cookie policy. To view our cookie policy, click here.", "title": "Latest Term Deposit & Savings Rates in Detail | Federal Bank", "url": "https://www.federal.bank.in/deposit-rate", "captured_at": "2026-08-19T09:42:39.000Z", "capture_method": "browser_full_page_dom_census_before_radware_transition" }”