Fixed deposits
FD · GeneralFD
w.e.f. 2026-05-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 15-29 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 30-45 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 46-60 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 61-90 days | ₹1,000 – ₹2,99,99,999 | 3.00% |
| 91-120 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 121-179 days | ₹1,000 – ₹2,99,99,999 | 2.90% |
| 180-269 days | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 270 days to <1y | ₹1,000 – ₹2,99,99,999 | 5.50% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 444 days (Special)iob_444d | ₹1,000 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹1,000 – ₹2,99,99,999 | 6.10% |
FD · Senior CitizenFD_SC
w.e.f. 2026-05-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 15-29 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 30-45 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 46-60 days | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 61-90 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 91-120 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 121-179 days | ₹1,000 – ₹2,99,99,999 | 3.40% |
| 180-269 days | ₹1,000 – ₹2,99,99,999 | 5.00% |
| 270 days to <1y | ₹1,000 – ₹2,99,99,999 | 6.00% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 7.00% |
| >1 to <2y | ₹1,000 – ₹2,99,99,999 | 6.90% |
| 444 days (Special)iob_444d_sc | ₹1,000 – ₹2,99,99,999 | 7.10% |
| 2-3y | ₹1,000 – ₹2,99,99,999 | 6.90% |
| 3y+ | ₹1,000 – ₹2,99,99,999 | 6.60% |
FD · Super SeniorFD_SSC
w.e.f. 2026-05-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹1,000 – ₹2,99,99,999 | 4.25% |
| 15-29 days | ₹1,000 – ₹2,99,99,999 | 4.25% |
| 30-45 days | ₹1,000 – ₹2,99,99,999 | 4.25% |
| 46-60 days | ₹1,000 – ₹2,99,99,999 | 4.75% |
| 61-90 days | ₹1,000 – ₹2,99,99,999 | 3.75% |
| 91-120 days | ₹1,000 – ₹2,99,99,999 | 4.25% |
| 121-179 days | ₹1,000 – ₹2,99,99,999 | 3.65% |
| 180-269 days | ₹1,000 – ₹2,99,99,999 | 5.25% |
| 270 days to <1y | ₹1,000 – ₹2,99,99,999 | 6.25% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 7.25% |
| >1 to <2y | ₹1,000 – ₹2,99,99,999 | 7.15% |
| 444 days (Special)iob_444d_ssc | ₹1,000 – ₹2,99,99,999 | 7.35% |
| 2-3y | ₹1,000 – ₹2,99,99,999 | 7.15% |
| 3y+ | ₹1,000 – ₹2,99,99,999 | 6.85% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-05-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (Tax Saver) | ₹100 – ₹1,50,000 | 6.10% |
Tax Saver SCFD_TAX_SC
Indian Overseas Bank publishes no separate tax saver sc rate — it pays 6.60%, the exact same rate as its tax saver card at every term we can match. There is no premium to show, so we are not printing the tax saver table a second time under this heading — it is directly above. 1 live row back this rate, and it still resolves correctly for a Indian Overseas Bank customer using our calculator.
Tax Saver SSCFD_TAX_SSC
Indian Overseas Bank publishes no separate tax saver ssc rate — it pays 6.85%, the exact same rate as its tax saver sc card at every term we can match. There is no premium to show, so we are not printing the tax saver sc table a second time under this heading — it is directly above. 1 live row back this rate, and it still resolves correctly for a Indian Overseas Bank customer using our calculator.
Recurring deposits
RDRD
w.e.f. 2026-05-157 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180-269 days | ₹50 – ₹2,99,99,999 | 4.50% |
| 270 days to <1y | ₹50 – ₹2,99,99,999 | 5.50% |
| 1 year | ₹50 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹50 – ₹2,99,99,999 | 6.40% |
| 444 days (Special) | ₹50 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹50 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹50 – ₹2,99,99,999 | 6.10% |
RD · SCRD_SC
w.e.f. 2026-05-157 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180-269 days | ₹50 – ₹2,99,99,999 | 5.00% |
| 270 days to <1y | ₹50 – ₹2,99,99,999 | 6.00% |
| 1 year | ₹50 – ₹2,99,99,999 | 7.00% |
| >1 to <2y | ₹50 – ₹2,99,99,999 | 6.90% |
| 444 days (Special) | ₹50 – ₹2,99,99,999 | 7.10% |
| 2-3y | ₹50 – ₹2,99,99,999 | 6.90% |
| 3y+ | ₹50 – ₹2,99,99,999 | 6.60% |
RD · SSCRD_SSC
w.e.f. 2026-05-157 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180-269 days | ₹50 – ₹2,99,99,999 | 5.25% |
| 270 days to <1y | ₹50 – ₹2,99,99,999 | 6.25% |
| 1 year | ₹50 – ₹2,99,99,999 | 7.25% |
| >1 to <2y | ₹50 – ₹2,99,99,999 | 7.15% |
| 444 days (Special) | ₹50 – ₹2,99,99,999 | 7.35% |
| 2-3y | ₹50 – ₹2,99,99,999 | 7.15% |
| 3y+ | ₹50 – ₹2,99,99,999 | 6.85% |
Savings accounts
SavingsSAVINGS
w.e.f. 2025-12-123 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto Rs 1 Lakh | ₹0 – ₹1,00,000 | 2.50% |
| Above Rs 1L to Rs 600 Crore (repo-linked 5.25-3.00) | ₹1,00,000 – ₹6,00,00,00,000 | 2.25% |
| Above Rs 600 Crore (repo-linked 5.25+1.00) | ₹6,00,00,00,000 and above | 6.25% |
NRE SavingsNRE_SAVINGS
w.e.f. 2025-12-123 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto Rs 1 Lakh | ₹0 – ₹1,00,000 | 2.50% |
| Above Rs 1L to Rs 600 Crore (repo-linked 5.25-3.00) | ₹1,00,000 – ₹6,00,00,00,000 | 2.25% |
| Above Rs 600 Crore (repo-linked 5.25+1.00) | ₹6,00,00,00,000 and above | 6.25% |
NRO SavingsNRO_SAVINGS
w.e.f. 2025-12-123 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto Rs 1 Lakh | ₹0 – ₹1,00,000 | 2.50% |
| Above Rs 1L to Rs 600 Crore (repo-linked 5.25-3.00) | ₹1,00,000 – ₹6,00,00,00,000 | 2.25% |
| Above Rs 600 Crore (repo-linked 5.25+1.00) | ₹6,00,00,00,000 and above | 6.25% |
NRI deposits
NRENRE
w.e.f. 2025-12-155 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 444 days (Special)iob_nre_444d | ₹1,000 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹1,000 – ₹2,99,99,999 | 6.10% |
NRONRO
w.e.f. 2026-05-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 15-29 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 30-45 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 46-60 days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 61-90 days | ₹1,000 – ₹2,99,99,999 | 3.00% |
| 91-120 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 121-179 days | ₹1,000 – ₹2,99,99,999 | 2.90% |
| 180-269 days | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 270 days to <1y | ₹1,000 – ₹2,99,99,999 | 5.50% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 444 days (Special)iob_nro_444d | ₹1,000 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹1,000 – ₹2,99,99,999 | 6.10% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2025-12-155 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹50 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹50 – ₹2,99,99,999 | 6.40% |
| 444 days (Special) | ₹50 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹50 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹50 – ₹2,99,99,999 | 6.10% |
NRO RDNRO_RD
w.e.f. 2026-05-157 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180-269 days | ₹50 – ₹2,99,99,999 | 4.50% |
| 270 days to <1y | ₹50 – ₹2,99,99,999 | 5.50% |
| 1 year | ₹50 – ₹2,99,99,999 | 6.50% |
| >1 to <2y | ₹50 – ₹2,99,99,999 | 6.40% |
| 444 days (Special) | ₹50 – ₹2,99,99,999 | 6.60% |
| 2-3y | ₹50 – ₹2,99,99,999 | 6.40% |
| 3y+ | ₹50 – ₹2,99,99,999 | 6.10% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-06-15USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 5.00% |
| >1 Year <2 Years | — | 4.50% |
| 2 Years <3 Years | — | 3.20% |
| 3 Years <4 Years | — | 3.15% |
| 4 Years <5 Years | — | 3.15% |
| 5 Years | — | 3.15% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-06-15GBP5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 4.50% |
| 2 Years <3 Years | — | 2.10% |
| 3 Years <4 Years | — | 2.15% |
| 4 Years <5 Years | — | 2.20% |
| 5 Years | — | 2.25% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-06-15EUR5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 2.50% |
| 2 Years <3 Years | — | 0.15% |
| 3 Years <4 Years | — | 0.15% |
| 4 Years <5 Years | — | 0.15% |
| 5 Years | — | 0.15% |
FCNR · YEN (JPY) · CallableFCNR_JPY
w.e.f. 2026-06-15JPY5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 0.03% |
| 2 Years <3 Years | — | 0.05% |
| 3 Years <4 Years | — | 0.05% |
| 4 Years <5 Years | — | 0.05% |
| 5 Years | — | 0.05% |
FCNR · CAD · CallableFCNR_CAD
w.e.f. 2026-06-15CAD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 0.50% |
| 2 Years <3 Years | — | 1.60% |
| 3 Years <4 Years | — | 1.80% |
| 4 Years <5 Years | — | 1.90% |
| 5 Years | — | 1.95% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-06-15AUD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 0.70% |
| 2 Years <3 Years | — | 1.00% |
| 3 Years <4 Years | — | 1.25% |
| 4 Years <5 Years | — | 1.55% |
| 5 Years | — | 1.85% |
FCNR · SGD · CallableFCNR_SGD
w.e.f. 2026-06-15SGD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 0.42% |
| 2 Years <3 Years | — | 0.89% |
| 3 Years <4 Years | — | 1.09% |
| 4 Years <5 Years | — | 1.23% |
| 5 Years | — | 1.39% |
FCNR · CHF · CallableFCNR_CHF
w.e.f. 2026-06-15CHF5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 0.00% |
| 2 Years <3 Years | — | 0.00% |
| 3 Years <4 Years | — | 0.02% |
| 4 Years <5 Years | — | 0.02% |
| 5 Years | — | 0.02% |
FCNR · NZD · CallableFCNR_NZD
w.e.f. 2026-06-15NZD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year <2 Years | — | 1.00% |
| 2 Years <3 Years | — | 1.20% |
| 3 Years <4 Years | — | 1.40% |
| 4 Years <5 Years | — | 1.50% |
| 5 Years | — | 1.60% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-06-15USD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 Years <4 Years | — | 6.50% |
| 4 Years <5 Years | — | 6.50% |
| 5 Years | — | 6.50% |
If you break it early
Not yet verified
We have not read and recorded Indian Overseas Bank’s premature-withdrawal terms for FD · General, FD · Senior Citizen, FD · Super Senior, Tax Saver, Tax Saver SC, Tax Saver SSC, RD, RD · SC, RD · SSC, Savings, NRE Savings, NRO Savings, NRE, NRO, NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · SGD · Callable, FCNR · CHF · Callable, FCNR · NZD · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Indian Overseas Bank
32 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Auto-sweep
NRI deposits
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-20
- RFC · CAD (returned NRI)source ↗checked 2026-07-20
- RFC · CHF (returned NRI)source ↗checked 2026-07-20
- RFC · EUR (returned NRI)source ↗checked 2026-07-20
- RFC · GBP (returned NRI)source ↗checked 2026-07-20
- RFC · HKD (returned NRI)source ↗checked 2026-07-20
- RFC · NZD (returned NRI)source ↗checked 2026-07-20
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-20
- RFC · SGD (returned NRI)source ↗checked 2026-07-20
- RFC · USD (returned NRI)source ↗checked 2026-07-20
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-20
- RFC Savings (returned NRI)source ↗checked 2026-07-20
FCNR — callable
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-20
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-20
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-20
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-20
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-20
Financial healthQ4FY2026
Full transparency report →- GNPA
- 1.42%
- NNPA
- 0.21%
- CAR
- 19.78%
- CASA
- 41.46%
- ROA
- 1.23%
- ROE
- 20.42%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Indian Overseas Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 155 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.