Fixed deposits
FD · GeneralFD
w.e.f. 2025-12-1515 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 Days*retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 15-29 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 30-45 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 46-60 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 61-90 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.00% |
| 91-120 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 121-179 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 2.90% |
| 180-269 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.75% |
| 270 Days to < 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 5.50% |
| 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.50% |
| > 1 Year to < 2 Years (Except 444 Days)retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.40% |
| 444 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.60% |
| 2 Years to < 3 Yearsretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.40% |
| 999 Daysiob_green_deposit | ₹1,000 – ₹3,00,00,000 | 6.40% |
| 3 Years and aboveretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.10% |
FD · Senior CitizenFD_SC
w.e.f. 2025-12-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 Days*retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 15-29 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 30-45 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 46-60 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.50% |
| 61-90 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 91-120 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 121-179 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.40% |
| 180-269 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 5.25% |
| 270 Days to < 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.00% |
| 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.00% |
| > 1 Year to < 2 Years (Except 444 Days)retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.90% |
| 444 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.10% |
| 2 Years to < 3 Yearsretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.90% |
| 3 Years and aboveretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.60% |
FD · Super SeniorFD_SSC
w.e.f. 2025-12-1514 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 Days*retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.25% |
| 15-29 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.25% |
| 30-45 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.25% |
| 46-60 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.75% |
| 61-90 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.75% |
| 91-120 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 4.25% |
| 121-179 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 3.65% |
| 180-269 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 5.50% |
| 270 Days to < 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.25% |
| 1 Yearretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.25% |
| > 1 Year to < 2 Years (Except 444 Days)retail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.15% |
| 444 Daysretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.35% |
| 2 Years to < 3 Yearsretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 7.15% |
| 3 Years and aboveretail_term_deposit | ₹10,000 – ₹3,00,00,000 | 6.85% |
FD · Non-CallableFD_NC
w.e.f. 2025-12-156 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 91-120 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 3.60% |
| 121-179 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 3.00% |
| 180-269 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 4.85% |
| 270 Days to < 1 Yearnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 5.60% |
| 1 Yearnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 6.60% |
| > 1 Year to < 2 Years (Except 444 Days)non_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 6.50% |
FD · Non-Callable SCFD_NC_SC
w.e.f. 2025-12-156 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 91-120 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 4.10% |
| 121-179 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 3.50% |
| 180-269 Daysnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 5.35% |
| 270 Days to < 1 Yearnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 6.10% |
| 1 Yearnon_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 7.10% |
| > 1 Year to < 2 Years (Except 444 Days)non_callable_retail_term_deposit | ₹1,00,01,000 – ₹3,00,00,000 | 7.00% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2025-12-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 yearstax_saver | ₹10,000 – ₹1,50,000 | 6.10% |
Tax Saver SCFD_TAX_SC
w.e.f. 2025-12-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 yearstax_saver | ₹10,000 – ₹1,50,000 | 6.60% |
Tax Saver SSCFD_TAX_SSC
w.e.f. 2025-12-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 yearstax_saver | ₹10,000 – ₹1,50,000 | 6.85% |
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
Breaking this deposit early — FD · General
Every band Indian Overseas Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹15,001 to ₹5 lakh | 0 days to 36500 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹15,001 to ₹5 lakh | 0 days to 36500 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹3 crore | 0 days to 36500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹3 crore | 0 days to 36500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹15,001 to ₹5 lakh · 0 days to 36500 days
“Retail Term Deposits Above Rs.”
Source - ₹15,001 to ₹5 lakh · 0 days to 36500 days
“Retail Term Deposits Above Rs.”
Source - ₹5,00,001 to under ₹3 crore · 0 days to 36500 days
“Retail Term Deposits Above Rs.”
Source - ₹5,00,001 to under ₹3 crore · 0 days to 36500 days
“Retail Term Deposits Above Rs.”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Indian Overseas Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹15,001 to ₹5 lakh | 0 days to 36500 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹3 crore | 0 days to 36500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
Breaking this deposit early — FD · Super Senior
Every band Indian Overseas Bank publishes for premature closure of FD · Super Senior, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹15,001 to ₹5 lakh | 0 days to 36500 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹3 crore | 0 days to 36500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
Breaking this deposit early — FD · Non-Callable
Every band Indian Overseas Bank publishes for premature closure of FD · Non-Callable, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,00,01,000 to under ₹3 crore | 0 days to 729 days | cannot be closed early |
The bank’s own wording
- ₹1,00,01,000 to under ₹3 crore · 0 days to 729 days
“not permitted”
Source
Breaking this deposit early — FD · Non-Callable SC
Every band Indian Overseas Bank publishes for premature closure of FD · Non-Callable SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,00,01,000 to under ₹3 crore | 0 days to 729 days | cannot be closed early |
The bank’s own wording
- ₹1,00,01,000 to under ₹3 crore · 0 days to 729 days
“not permitted”
Source
Breaking this deposit early — Tax Saver
Every band Indian Overseas Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹10,000 to ₹1,50,000 | 0 days to 5 years | cannot be closed early |
The bank’s own wording
- ₹10,000 to ₹1,50,000 · 0 days to 5 years
“not permitted”
Source
Breaking this deposit early — Tax Saver SC
Every band Indian Overseas Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹10,000 to ₹1,50,000 | 0 days to 5 years | cannot be closed early |
The bank’s own wording
- ₹10,000 to ₹1,50,000 · 0 days to 5 years
“not permitted”
Source
Breaking this deposit early — Tax Saver SSC
Every band Indian Overseas Bank publishes for premature closure of Tax Saver SSC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹10,000 to ₹1,50,000 | 0 days to 5 years | cannot be closed early |
The bank’s own wording
- ₹10,000 to ₹1,50,000 · 0 days to 5 years
“not permitted”
Source
Not yet verified
We have not read and recorded Indian Overseas Bank’s premature-withdrawal terms for 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
30 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
- FD · Non-Callable SSCsource ↗checked 2026-07-20
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. 168 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.