Private bank · typically 60 years and above
Nainital Bank Senior Citizen rates
The highest senior citizen rate Nainital Bank publishes today is 7.10% for 444 Days. All 13 published terms are below, exactly as the bank states them.
Effective from 10 Apr 2026 — the date Nainital Bank published these rates, not the date we read them.
Published terms
13
distinct rows on the bank’s own rate card
Rate range
3.75% – 7.10%
lowest to highest across all terms
Senior citizen premium
+50 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 13 terms
Source: Nainital Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 14 Days | 3.75% | 3.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 15 to 30 Days | 3.75% | 3.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 31 to 45 Days | 3.75% | 3.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 46 to 90 Days | 4.75% | 4.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 91 to 179 Days | 4.75% | 4.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 180 Days to but < 270 Days | 5.45% | 4.95% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 270 Days to but < -1 Year | 6.25% | 5.75% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 1 Year to 18 Months | 6.80% | 6.30% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| 444 Days | 7.10% | 6.60% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| > 18 Months to -2 Years | 7.00% | 6.50% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| > -2 -Years to -3 Years | 6.75% | 6.25% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| > -3 Years to –5 Years | 6.25% | 5.75% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
| Above-5 to 10 Years | 5.85% | 5.35% | +50 bps | ₹500 – ₹3 Cr | 10 Apr 2026 |
Other fixed deposits at Nainital 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Source: Nainital Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Tax-saver fixed deposit
Source: Nainital Bank interest-rate page — the bank's general rate page, not a dedicated oneQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
Opening a fixed deposit with Nainital Bank
Nainital Bank publishes 13 separate terms for senior citizens, starting from ₹500. The highest is 7.10% 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.
Deposits are usually opened at a branch, through net banking, or in the bank's mobile app. Eligibility, documents and premature-withdrawal penalties are set by Nainital Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.