Fixed deposits
FD · GeneralFD
w.e.f. 2026-04-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹500 – ₹3,00,00,000 | 3.25% |
| 15-30days | ₹500 – ₹3,00,00,000 | 3.25% |
| 31-45days | ₹500 – ₹3,00,00,000 | 3.25% |
| 46-90 days | ₹500 – ₹3,00,00,000 | 4.25% |
| 91-179 days | ₹500 – ₹3,00,00,000 | 4.25% |
| 180 days and above but less than 270 days | ₹500 – ₹3,00,00,000 | 4.95% |
| 270 days and above but less than -1- year | ₹500 – ₹3,00,00,000 | 5.75% |
| -1- year and above but less than or equal to 18 months | ₹500 – ₹3,00,00,000 | 6.30% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹500 – ₹3,00,00,000 | 6.60% |
| Above 18 months but less than or equal to -2- years | ₹500 – ₹3,00,00,000 | 6.50% |
| Above -2 -years but less than or equal to -3- years | ₹500 – ₹3,00,00,000 | 6.25% |
| Above -3- years but less than or equal to –5- years | ₹500 – ₹3,00,00,000 | 5.75% |
| Above-5- years but less than or equal to upto 10 years | ₹500 – ₹3,00,00,000 | 5.35% |
FD · Senior CitizenFD_SC
w.e.f. 2026-04-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹500 – ₹3,00,00,000 | 3.75% |
| 15-30days | ₹500 – ₹3,00,00,000 | 3.75% |
| 31-45days | ₹500 – ₹3,00,00,000 | 3.75% |
| 46-90 days | ₹500 – ₹3,00,00,000 | 4.75% |
| 91-179 days | ₹500 – ₹3,00,00,000 | 4.75% |
| 180 days and above but less than 270 days | ₹500 – ₹3,00,00,000 | 5.45% |
| 270 days and above but less than -1- year | ₹500 – ₹3,00,00,000 | 6.25% |
| -1- year and above but less than or equal to 18 months | ₹500 – ₹3,00,00,000 | 6.80% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹500 – ₹3,00,00,000 | 7.10% |
| Above 18 months but less than or equal to -2- years | ₹500 – ₹3,00,00,000 | 7.00% |
| Above -2 -years but less than or equal to -3- years | ₹500 – ₹3,00,00,000 | 6.75% |
| Above -3- years but less than or equal to –5- years | ₹500 – ₹3,00,00,000 | 6.25% |
| Above-5- years but less than or equal to upto 10 years | ₹500 – ₹3,00,00,000 | 5.85% |
FD · Super SeniorFD_SSC
w.e.f. 2026-04-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹500 – ₹3,00,00,000 | 3.85% |
| 15-30days | ₹500 – ₹3,00,00,000 | 3.85% |
| 31-45days | ₹500 – ₹3,00,00,000 | 3.85% |
| 46-90 days | ₹500 – ₹3,00,00,000 | 4.85% |
| 91-179 days | ₹500 – ₹3,00,00,000 | 4.85% |
| 180 days and above but less than 270 days | ₹500 – ₹3,00,00,000 | 5.55% |
| 270 days and above but less than -1- year | ₹500 – ₹3,00,00,000 | 6.35% |
| -1- year and above but less than or equal to 18 months | ₹500 – ₹3,00,00,000 | 6.90% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹500 – ₹3,00,00,000 | 7.20% |
| Above 18 months but less than or equal to -2- years | ₹500 – ₹3,00,00,000 | 7.10% |
| Above -2 -years but less than or equal to -3- years | ₹500 – ₹3,00,00,000 | 6.85% |
| Above -3- years but less than or equal to –5- years | ₹500 – ₹3,00,00,000 | 6.35% |
| Above-5- years but less than or equal to upto 10 years | ₹500 – ₹3,00,00,000 | 5.95% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-04-101 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (lock-in) | ₹100 – ₹1,50,000 | 5.75% |
Recurring deposits
RDRD
w.e.f. 2026-04-106 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| -1- year and above but less than or equal to 18 months | ₹100 – ₹3,00,00,000 | 6.30% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹100 – ₹3,00,00,000 | 6.60% |
| Above 18 months but less than or equal to -2- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 6.50% |
| Above -2 -years but less than or equal to -3- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 6.25% |
| Above -3- years but less than or equal to –5- years | ₹100 – ₹3,00,00,000 | 5.75% |
| Above-5- years but less than or equal to upto 10 yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 5.35% |
RD · SCRD_SC
w.e.f. 2026-04-106 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| -1- year and above but less than or equal to 18 months | ₹100 – ₹3,00,00,000 | 6.80% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹100 – ₹3,00,00,000 | 7.10% |
| Above 18 months but less than or equal to -2- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 7.00% |
| Above -2 -years but less than or equal to -3- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 6.75% |
| Above -3- years but less than or equal to –5- years | ₹100 – ₹3,00,00,000 | 6.25% |
| Above-5- years but less than or equal to upto 10 yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 5.85% |
RD · SSCRD_SSC
w.e.f. 2026-04-106 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| -1- year and above but less than or equal to 18 months | ₹100 – ₹3,00,00,000 | 6.90% |
| Naini Samriddhi - 444 Daysnainital_naini_samriddhi_444d | ₹100 – ₹3,00,00,000 | 7.20% |
| Above 18 months but less than or equal to -2- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 7.10% |
| Above -2 -years but less than or equal to -3- yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 6.85% |
| Above -3- years but less than or equal to –5- years | ₹100 – ₹3,00,00,000 | 6.35% |
| Above-5- years but less than or equal to upto 10 yearsinherited_from_fd | ₹100 – ₹3,00,00,000 | 5.95% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-01-101 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| tenure wording not captured | ₹0 and above | 2.65% |
If you break it early
Not yet verified
We have not read and recorded Nainital Bank’s premature-withdrawal terms for FD · General, FD · Senior Citizen, FD · Super Senior, Tax Saver, RD, RD · SC, RD · SSC, Savings. 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 Nainital Bank
50 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
Tax-saver deposits (80C)
Auto-sweep
NRI deposits
- NREsource ↗checked 2026-07-16
- NRE · Non-Callablesource ↗checked 2026-07-20
- NROsource ↗checked 2026-07-16
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-16
- RFC · CAD (returned NRI)source ↗checked 2026-07-16
- RFC · CHF (returned NRI)source ↗checked 2026-07-16
- RFC · EUR (returned NRI)source ↗checked 2026-07-16
- RFC · GBP (returned NRI)source ↗checked 2026-07-16
- RFC · HKD (returned NRI)source ↗checked 2026-07-23
- RFC · NZD (returned NRI)source ↗checked 2026-07-23
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-23
- RFC · SGD (returned NRI)source ↗checked 2026-07-16
- RFC · USD (returned NRI)source ↗checked 2026-07-16
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-16
- RFC Savings (returned NRI)source ↗checked 2026-07-16
FCNR — callable
- FCNR · AUD · Callablesource ↗checked 2026-07-16
- FCNR · CAD · Callablesource ↗checked 2026-07-16
- FCNR · CHF · Callablesource ↗checked 2026-07-16
- FCNR · EUR · Callablesource ↗checked 2026-07-16
- FCNR · GBP · Callablesource ↗checked 2026-07-16
- FCNR · HKD · Callablesource ↗checked 2026-07-16
- FCNR · NZD · Callablechecked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-23
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Callablesource ↗checked 2026-07-16
- FCNR · USD · Callablesource ↗checked 2026-07-16
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-16
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-16
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-16
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-16
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-16
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-16
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-16
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-16
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-16
- FCNR · USD · Non-Callablesource ↗checked 2026-07-16
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-16
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Nainital 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. 59 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.