PSU bank · typically 60 years and above
Central Bank of India Senior Citizen rates
The highest senior citizen rate Central Bank of India publishes today is 7.35% for 444 Days. All 24 published terms are below, exactly as the bank states them.
Central Bank of India currently publishes 4 rate cards with different effective dates — 10 Aug 2026 and 10 Jun 2026 and 10 Dec 2025 and 10 Sept 2025. They are shown as separate tables below rather than merged, because a single blended table would be a rate card this bank never issued.
Published terms
24
distinct rows on the bank’s own rate card
Rate range
3.50% – 7.35%
lowest to highest across all terms
Senior citizen premium
+50 bps
extra rate over the general card, by term
Bank type
PSU
as classified by the RBI
Fixed deposit · 18 terms
Source: Central Bank of India interest-rate pageCard effective 10 Aug 2026 · 13 terms
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 7 to 14 Days | 3.50% | 3.00% | +50 bps | ₹100 – ₹3 Cr |
| 15 to 30 Days | 4.00% | 3.50% | +50 bps | ₹100 – ₹3 Cr |
| 31 to 45 Days | 4.00% | 3.50% | +50 bps | ₹100 – ₹3 Cr |
| 46 to 59 Days | 4.75% | 4.25% | +50 bps | ₹100 – ₹3 Cr |
| 60 to 90 Days | 4.50% | 4.00% | +50 bps | ₹100 – ₹3 Cr |
| 91 to 179 Days | 4.75% | 4.25% | +50 bps | ₹100 – ₹3 Cr |
| 180 to 270 Days | 6.00% | 5.50% | +50 bps | ₹100 – ₹3 Cr |
| 271 to 364 Days | 6.50% | 6.00% | +50 bps | ₹100 – ₹3 Cr |
| 1 to < 2 Years | 6.60% | 6.10% | +50 bps | ₹100 – ₹3 Cr |
| 444 Days | 7.25% | 6.75% | +50 bps | ₹100 – ₹3 Cr |
| 2 to < 3 Years | 6.75% | 6.25% | +50 bps | ₹100 – ₹3 Cr |
| 3 to < 5 Years | 6.50% | 6.00% | +50 bps | ₹100 – ₹3 Cr |
| 5 Years & > to 10 Years | 6.50% | 6.00% | +50 bps | ₹100 – ₹3 Cr |
Card effective 10 Jun 2026 · 1 term
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 333 Days | 7.00% | 6.50% | +50 bps | ₹100 – ₹3 Cr |
Card effective 10 Dec 2025 · 1 term
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 555 Days | 6.80% | 6.30% | +50 bps | ₹100 – ₹3 Cr |
Card effective 10 Sept 2025 · 3 terms
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 1111 DaysGREEN FD SC | 6.75% | 6.25% | +50 bps | ₹50,000 – ₹2.00 Cr |
| 2222 DaysGREEN FD SC | 7.00% | 6.50% | +50 bps | ₹50,000 – ₹2.00 Cr |
| 3333 DaysGREEN FD SC | 7.00% | 6.50% | +50 bps | ₹50,000 – ₹2.00 Cr |
Other fixed deposits at Central Bank of India
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: Central Bank of India non-callable fixed deposit pageCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Card effective 10 Aug 2026 · 1 term
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 444 Days | 7.35% | 6.85% | +50 bps | ₹1 Cr – ₹3 Cr |
Card effective 10 Jun 2026 · 1 term
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 333 Days | 7.10% | 6.60% | +50 bps | ₹1 Cr – ₹3 Cr |
Card effective 10 Dec 2025 · 1 term
| Tenure | Senior Citizen rate | General | Premium | Amount |
|---|---|---|---|---|
| 555 Days | 6.90% | 6.40% | +50 bps | ₹1 Cr – ₹3 Cr |
Tax-saver fixed deposit
Source: Central Bank of India tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 5 Years | 6.50% | 6.00% | +50 bps | ₹100 – ₹1.50 L | 10 Aug 2026 |
Floating-rate fixed deposit
Source: Central Bank of India interest-rate page — the bank's general rate page, not a dedicated oneThe rate is tied to a benchmark and resets during the term, so it can move after you book.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 1 to < 2 Years | 6.05% | 5.55% | +50 bps | ₹1,000 – ₹3.00 Cr | 10 Dec 2025 |
| 2 to < 3 Years | 6.10% | 5.60% | +50 bps | ₹1,000 – ₹3.00 Cr | 10 Dec 2025 |
Opening a fixed deposit with Central Bank of India
Central Bank of India publishes 24 separate terms for senior citizens, starting from ₹100. The highest is 7.35% at 444 Days.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 14 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside Cent Mobile, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Central Bank of India and change without notice, so read their deposit terms & conditions. We publish rates, not advice.