PSU bank
Indian Overseas Bank FD rates
The highest rate Indian Overseas Bank publishes today is 6.60% for 444 Days. All 22 published terms are below, exactly as the bank states them.
Effective from 15 Dec 2025 — the date Indian Overseas Bank published these rates, not the date we read them.
Published terms
22
distinct rows on the bank’s own rate card
Rate range
2.90% – 6.60%
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 · 15 terms
Source: Indian Overseas Bank interest-rate page| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 7 to 14 Days | 3.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 15 to 29 Days | 3.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 30 to 45 Days | 3.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 46 to 60 Days | 4.00% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 61 to 90 Days | 3.00% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 91 to 120 Days | 3.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 121 to 179 Days | 2.90% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 180 to 269 Days | 4.75% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 270 Days to < 1 Year | 5.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 1 Year | 6.50% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| > 1 to < 2 Years | 6.40% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 444 Days | 6.60% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 2 to < 3 Years | 6.40% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
| 999 Days | 6.40% | ₹1,000 – ₹3 Cr | 15 Dec 2025 |
| 3 Years to | 6.10% | ₹10,000 – ₹3 Cr | 15 Dec 2025 |
Other fixed deposits at Indian Overseas Bank
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Source: Indian Overseas Bank non-callable fixed deposit pageCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 91 to 120 Days | 3.60% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
| 121 to 179 Days | 3.00% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
| 180 to 269 Days | 4.85% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
| 270 Days to < 1 Year | 5.60% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
| 1 Year | 6.60% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
| > 1 to < 2 Years | 6.50% | ₹1.00 Cr – ₹3 Cr | 15 Dec 2025 |
Tax-saver fixed deposit
Source: Indian Overseas Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 5 Years | 6.10% | ₹10,000 – ₹1.50 L | 15 Dec 2025 |
Opening a fixed deposit with Indian Overseas Bank
Indian Overseas Bank publishes 22 separate terms for ordinary depositors, starting from ₹1,000. The highest is 6.60% 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 IOB VYOM, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Indian Overseas Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.