PSU bank · typically 80 years and above
Indian Overseas Bank Super Senior Citizen rates
The highest super senior citizen rate Indian Overseas Bank publishes today is 7.35% for 444 Days. All 15 published terms are below, exactly as the bank states them.
Effective from 15 May 2026 — the date Indian Overseas Bank published these rates, not the date we read them.
Published terms
15
distinct rows on the bank’s own rate card
Rate range
3.65% – 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 · 14 terms
Source: Indian Overseas Bank interest-rate page| Tenure | Super Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 14 Days | 4.25% | 3.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 15 to 29 Days | 4.25% | 3.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 30 to 45 Days | 4.25% | 3.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 46 to 60 Days | 4.75% | 4.00% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 61 to 90 Days | 3.75% | 3.00% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 91 to 120 Days | 4.25% | 3.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 121 to 179 Days | 3.65% | 2.90% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 180 to 269 Days | 5.25% | 4.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 270 Days to < 1 Year | 6.25% | 5.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 1 Year | 7.25% | 6.50% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| > 1 to < 2 Years | 7.15% | 6.40% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 444 Days | 7.35% | 6.60% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 2 to 3 Years | 7.15% | 6.40% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
| 3 Years+ | 6.85% | 6.10% | +75 bps | ₹1,000 – ₹3.00 Cr | 15 May 2026 |
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Source: Indian Overseas Bank non-callable fixed deposit pageCannot be withdrawn before maturity.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.
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 | Super Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 5 Years | 6.85% | not published | — | ₹100 – ₹1.50 L | 15 May 2026 |
Opening a fixed deposit with Indian Overseas Bank
Indian Overseas Bank publishes 15 separate terms for super 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 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.