Private bank · typically 60 years and above
Yes Bank Senior Citizen rates
The highest senior citizen rate Yes Bank publishes today is 7.75% for > 18 to < 24 Months. All 21 published terms are below, exactly as the bank states them.
Yes Bank currently publishes 2 rate cards with different effective dates — 2 Jun 2026 and 1 Jan 2026. 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
21
distinct rows on the bank’s own rate card
Rate range
3.75% – 7.75%
lowest to highest across all terms
Senior citizen premium
+50 to +75 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 18 terms
Source: Yes Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 14 Days | 3.75% | 3.25% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 15 to 45 Days | 4.00% | 3.50% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 46 to 90 Days | 5.00% | 4.50% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 91 to 120 Days | 5.25% | 4.75% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 121 to 180 Days | 5.25% | 4.75% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 181 to 271 Days | 6.50% | 6.00% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 272 to 335 Days | 6.75% | 6.25% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 336 Days to < 12 Months | 7.00% | 6.50% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 12 Months | 7.15% | 6.65% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| > 12 to < 18 Months | 7.25% | 6.75% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 18 Months | 7.25% | 6.75% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| > 18 to < 24 Months | 7.75% | 7.25% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 24 to < 35 Months | 7.50% | 7.00% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 35 Months | 7.40% | 6.90% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| > 35 to < 36 Months | 7.50% | 7.00% | +50 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 36 to < 60 Months | 7.75% | 7.00% | +75 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| 60 Months | 7.50% | 6.75% | +75 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
| > 60 to 120 Months | 7.50% | 6.75% | +75 bps | ₹10,000 – ₹3 Cr | 2 Jun 2026 |
Other fixed deposits at Yes 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: Yes 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: Yes Bank 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 | 7.50% | 6.75% | +75 bps | ₹10,000 – ₹1.50 L | 2 Jun 2026 |
Floating-rate fixed deposit
Source: Yes Bank 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 Year to < 18 Months | 6.85% | 6.35% | +50 bps | ₹10,000 – ₹3 Cr | 1 Jan 2026 |
| 18 Months to < 3 Years | 7.35% | 6.85% | +50 bps | ₹10,000 – ₹3 Cr | 1 Jan 2026 |
Opening a fixed deposit with Yes Bank
Yes Bank publishes 21 separate terms for senior citizens, starting from ₹10,000. The highest is 7.75% at > 18 to < 24 Months.
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 IRIS by YES Bank, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Yes Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.