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 days to 14 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 15 days to 30 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 31 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 46 days to 90 days | ₹1,000 – ₹3,00,00,000 | 4.25% |
| 91 days to 179 days | ₹1,000 – ₹3,00,00,000 | 4.25% |
| 180 days and above but less than 270 days | ₹1,000 – ₹3,00,00,000 | 4.95% |
| 270 days and above but less than 1 year | ₹1,000 – ₹3,00,00,000 | 5.75% |
| 1 year and above but up to 18 months | ₹1,000 – ₹3,00,00,000 | 6.30% |
| Exactly 444 days [Naini Samriddhi] | ₹1,000 – ₹3,00,00,000 | 6.60% |
| above 18 months but up to 2 years | ₹1,000 – ₹3,00,00,000 | 6.50% |
| above 2 years but up to 3 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| above 3 years but up to 5 years | ₹1,000 – ₹3,00,00,000 | 5.75% |
| above 5 years but up to 10 years | ₹1,000 – ₹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 days to 14 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 15 days to 30 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 31 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 46 days to 90 days | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 91 days to 179 days | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 180 days and above but less than 270 days | ₹1,000 – ₹3,00,00,000 | 5.45% |
| 270 days and above but less than 1 year | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 1 year and above but up to 18 months | ₹1,000 – ₹3,00,00,000 | 6.80% |
| Exactly 444 days [Naini Samriddhi] | ₹1,000 – ₹3,00,00,000 | 7.10% |
| above 18 months but up to 2 years | ₹1,000 – ₹3,00,00,000 | 7.00% |
| above 2 years but up to 3 years | ₹1,000 – ₹3,00,00,000 | 6.75% |
| above 3 years but up to 5 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| above 5 years but up to 10 years | ₹1,000 – ₹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 days to 14 days | ₹1,000 – ₹3,00,00,000 | 3.85% |
| 15 days to 30 days | ₹1,000 – ₹3,00,00,000 | 3.85% |
| 31 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.85% |
| 46 days to 90 days | ₹1,000 – ₹3,00,00,000 | 4.85% |
| 91 days to 179 days | ₹1,000 – ₹3,00,00,000 | 4.85% |
| 180 days and above but less than 270 days | ₹1,000 – ₹3,00,00,000 | 5.55% |
| 270 days and above but less than 1 year | ₹1,000 – ₹3,00,00,000 | 6.35% |
| 1 year and above but up to 18 months | ₹1,000 – ₹3,00,00,000 | 6.90% |
| Exactly 444 days [Naini Samriddhi] | ₹1,000 – ₹3,00,00,000 | 7.20% |
| above 18 months but up to 2 years | ₹1,000 – ₹3,00,00,000 | 7.10% |
| above 2 years but up to 3 years | ₹1,000 – ₹3,00,00,000 | 6.85% |
| above 3 years but up to 5 years | ₹1,000 – ₹3,00,00,000 | 6.35% |
| above 5 years but up to 10 years | ₹1,000 – ₹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.) |
|---|---|---|
| Naini Tax Saver — exactly 5 years | ₹100 and above | 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
Breaking this deposit early — FD · General
Every band Nainital 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 |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 7 days to 10 years | 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
- ₹1,000 to under ₹3 crore · 7 days to 10 years
“We reiterate that in case of premature payment of Term Deposits, interest rate shall be 1% less than the interest rate applicable for the period the deposit remained with the bank as per existing guidelines.”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Nainital 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 |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 7 days to 10 years | 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
- ₹1,000 to under ₹3 crore · 7 days to 10 years
“We reiterate that in case of premature payment of Term Deposits, interest rate shall be 1% less than the interest rate applicable for the period the deposit remained with the bank as per existing guidelines.”
Source
Breaking this deposit early — FD · Super Senior
Every band Nainital 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 |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 7 days to 10 years | 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
- ₹1,000 to under ₹3 crore · 7 days to 10 years
“We reiterate that in case of premature payment of Term Deposits, interest rate shall be 1% less than the interest rate applicable for the period the deposit remained with the bank as per existing guidelines.”
Source
Breaking this deposit early — Tax Saver
Every band Nainital Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with how long the deposit has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| Any amount | 0 days to under 5 years | cannot be closed early |
The bank’s own wording
- Any amount · 0 days to under 5 years
“Premature withdrawal of the deposits made under the scheme shall not be allowed before completion of 5 years except in case of death of the depositor.”
Source
Not yet verified
We have not read and recorded Nainital Bank’s premature-withdrawal terms for 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.