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Bandhan Bank currently offers fixed deposit interest rates ranging from 2.95% to 7.45% p.a. for regular or non-senior citizens across tenures ranging from 7 days to 10 years. Resident senior citizens can earn between 3.70% and 7.95% p.a. over the same tenure range. The highest Bandhan Bank FD interest rate is currently available on deposits with a tenure of 2 years to less than 3 years. These rates are applicable to retail term deposits of less than ₹3 crore and are effective from 20 June 2026.
If you are comparing the Bandhan Bank interest rate across tenures, consider not only the highest rate but also your investment horizon, liquidity requirements, premature withdrawal terms and tax implications.
The Bandhan Bank FD rates today may change from time to time, so check the bank’s latest rate chart before booking a deposit.
The following Bandhan Bank fixed deposit rates apply to retail domestic and eligible Non-Resident Rupee term deposits below ₹3 crore, effective 20 June 2026. Senior citizen rates shown below apply only to resident senior citizens.
Tenure
Regular Citizens (% p.a.)
Senior Citizens (% p.a.)
7 days to 14 days
2.95%
3.70%
15 days to 30 days
2.95%
3.70%
31 days to less than 2 months
3.45%
4.20%
2 months to less than 3 months
4.20%
4.95%
3 months to less than 6 months
4.20%
4.95%
6 months to less than 1 year
4.20%
4.95%
1 year
7.00%
7.50%
1 year 1 day to 1 year 9 months
7.00%
7.50%
1 year 9 months 1 day to less than 2 years
7.00%
7.50%
2 years to less than 3 years
7.45%
7.95%
3 years to less than 5 years
7.25%
7.75%
5 years to 10 years
5.85%
6.60%
Note: Interest rates are subject to change. The applicable rate is determined according to the rate prevailing when the deposit is booked. Senior citizen preferential rates are available to eligible resident Indians and do not apply to NRIs.
Bandhan Bank Tax Saver FD Rate
Bandhan Bank’s Tax Saver Fixed Deposit has a fixed tenure of 5 years.
Customer Category
Interest Rate (% p.a.)
Regular Citizens
6.25%
Senior Citizens
7.25%
The deposit can be opened with a minimum of ₹1,000, with investments of up to ₹1.5 lakh in a financial year eligible for applicable Section 80C tax benefits. The deposit carries a five-year lock-in and cannot be prematurely or partially closed during the lock-in period.
Bandhan Bank FD Rates for Senior Citizens
Bandhan Bank offers eligible resident senior citizens preferential FD interest rates over the regular rates.
The current senior citizen rates range from 3.70% to 7.95% p.a., with the highest rate of 7.95% p.a. available for a tenure of 2 years to less than 3 years.
Tenure
Senior Citizen FD Rate (% p.a.)
7 days to 30 days
3.70%
31 days to less than 2 months
4.20%
2 months to less than 1 year
4.95%
1 year
7.50%
1 year 1 day to less than 2 years
7.50%
2 years to less than 3 years
7.95%
3 years to less than 5 years
7.75%
5 years to 10 years
6.60%
Proof of age is required to claim the preferential senior citizen rate. The additional senior citizen rate is available to resident Indians and does not apply to NRI deposits.
Types of Bandhan Bank Fixed Deposit Schemes
Bandhan Bank offers different deposit options depending on the amount you want to invest, your investment horizon, payout preference and whether you want tax-saving or digital-opening features.
Standard Fixed Deposit
The Standard Fixed Deposit is Bandhan Bank’s regular term deposit.
Opening through Internet Banking, Phone Banking or a Bandhan Bank branch
Premium Fixed Deposit
The Premium Fixed Deposit is designed for high-value deposits.
It currently requires a minimum deposit of ₹3 crore and offers tenures ranging from 7 days to 10 years. Monthly or quarterly payouts, premature closure and partial withdrawal options are available subject to applicable terms.
Since this deposit falls into a different value category, do not assume that the retail FD rates applicable to deposits below ₹3 crore automatically apply to Premium Fixed Deposits. Check the prevailing high-value deposit rate before investing.
Tax Saver Fixed Deposit
The Tax Saver Fixed Deposit combines a fixed deposit with eligible tax benefits under Section 80C.
It offers:
5-year lock-in
Minimum investment of ₹1,000
Maximum eligible investment of ₹1.5 lakh in a financial year for Section 80C purposes
Monthly, quarterly or maturity interest payout options
Nomination facility
Premature or partial withdrawal is not permitted during the five-year lock-in period.
Advantage Fixed Deposit
The Advantage Fixed Deposit is designed for customers looking for compounded returns over medium- to long-term tenures.
The Dhan Samriddhi Fixed Deposit reinvests compounded interest into the same scheme and is positioned for goals requiring accumulation rather than periodic interest payouts.
Its key features include:
Minimum face value of ₹5,000
Tenure from 6 months to 10 years
Compounded interest reinvested in the deposit
Loan or overdraft facility
Automatic renewal
Nomination facility
Super Saver Fixed Deposit
Bandhan Super Saver is more accurately a Savings Account + Flexi FD arrangement rather than a standalone conventional fixed deposit.
It is designed primarily for customers such as daily wage earners, small traders and shopkeepers who want to build savings gradually. Once the account reaches a specified threshold, funds are transferred into a fixed deposit for a defined tenure.
The scheme currently allows daily deposits starting from ₹10 and combines the liquidity of a savings account with a Flexi FD mechanism.
Neo+ Digital Fixed Deposit
The Neo+ Digital Fixed Deposit allows new-to-bank resident customers to open an FD digitally through Video KYC without an existing Bandhan Bank relationship.
Applicants must generally be resident individuals aged 18 or above, hold a valid PAN and Aadhaar, and meet the applicable digital KYC requirements.
Eligibility & Documents Required to Open a Bandhan Bank FD
Bandhan Bank states that its fixed deposit facilities are available to eligible categories including:
Resident individuals
Senior citizens
Minors through guardians
Hindu Undivided Families (HUFs)
Companies
Trusts
Societies
Other eligible entities according to the bank’s prevailing norms
The exact documents required depend on the applicant category and whether the FD is opened online or at a branch.
Individual applicants may generally need applicable KYC documents, PAN or Form 60 where permitted, and other supporting documents requested by the bank.
For Neo+ Digital Fixed Deposit, Bandhan Bank specifically requires eligible customers to have a valid Aadhaar and PAN. The Video KYC process also requires the original PAN card and a signature on white paper.
Additional supporting documents may be required depending on the customer’s profile and verification requirements.
How to Open a Bandhan Bank FD Account?
Existing Bandhan Bank customers can currently open FDs through Internet Banking or the mBandhan 2.0 mobile app, while branch-based opening is also available. New customers can use the Neo+ Digital FD journey where eligible.
Through Internet Banking
To open an FD using Internet Banking:
Log in to Bandhan Bank Internet Banking.
Navigate to the deposit or fixed deposit section.
Select the account from which you want to fund the FD.
Choose the applicable deposit type and tenure.
Enter the amount you want to invest.
Select the maturity and interest payout instructions.
Add or review nominee details.
Verify the information and authorise the transaction.
Once successfully booked, the FD will appear in your deposit summary.
Through the Mobile App
Existing customers can also use the mBandhan 2.0 app.
Log in to the mBandhan 2.0 app.
Go to Accounts and Loans/Deposits or the applicable Fixed Deposit section.
Choose to open a new FD.
Select the funding account.
Enter the deposit amount and tenure.
Select the FD type and maturity instructions.
Review the details.
Authenticate the transaction using the applicable security process.
Bandhan Bank confirms that existing customers can open FDs through both Internet Banking and mBandhan 2.0.
At a Branch (Offline)
You can also visit the nearest Bandhan Bank branch to open an FD.
Carry the required KYC and account-related documents and complete the applicable fixed deposit application form. You can select the deposit amount, tenure, payout frequency, nomination and maturity instructions at the time of booking.
Branch-based opening may also be useful where additional KYC or documentation is required.
How to Check Your FD Balance?
You can check your Bandhan Bank FD details through several channels.
Internet Banking: Log in to your account and access the deposit summary to view active fixed deposits and related information.
mBandhan 2.0: Use the mobile app to view your FD/RD summary and details.
Customer Care: Contact Bandhan Bank customer support if you need assistance related to your fixed deposit.
Branch Visit: You can visit a Bandhan Bank branch for deposit-related queries, statements and other services.
Bandhan Bank’s digital banking FAQ confirms that active FDs can be viewed through its deposit-summary functionality.
Can You Transfer Your Bandhan Bank FD to Another Bank?
Bandhan Bank’s currently published FD information does not describe a facility for directly transferring an existing fixed deposit itself to another bank as an FD.
If you want to move your money to another bank, you would generally need to:
Allow the FD to mature or request premature redemption, where permitted.
Receive the proceeds in the applicable payout or linked bank account.
Transfer the funds to the other bank.
Open a new FD with that bank at its prevailing interest rate.
Premature withdrawal can affect your return. Bandhan Bank currently states that, where applicable, a 1% penal interest rate may apply on premature withdrawal, and the interest payable is based on the rate applicable for the period for which the deposit actually remained with the bank rather than the originally contracted rate.
Therefore, moving an FD to another bank should not be described as a simple “FD transfer”. It is effectively closure/redemption followed by a new deposit at the other institution.
Why Consider a Bandhan Bank Fixed Deposit?
A Bandhan Bank FD can provide:
Predetermined interest rates for the booked tenure
Multiple tenure options
Senior citizen preferential rates for eligible resident customers
Digital and branch-based opening options
Premature withdrawal options on eligible deposits
Loan or overdraft facility against eligible FDs
Nomination facility
DICGC deposit insurance within the applicable limit
Before investing, compare the interest rate, tenure, tax implications, liquidity requirements and premature withdrawal terms.
Bandhan Bank’s current highest retail FD rate is 7.45% p.a. for regular customers and 7.95% p.a. for resident senior citizens for deposits of 2 years to less than 3 years.
Looking for another convenient way to book a fixed deposit? You can explore FD options available through Fibe and compare available tenures and returns before investing. Download the Fibe App or visit the website to learn more.
FAQs On Bandhan Bank FD Rates
1.What Is the Highest Bandhan Bank FD Rate Today?
As per Bandhan Bank’s current rate chart effective 20 June 2026, the highest retail Bandhan Bank FD interest rate is:
7.45% p.a. for regular/non-senior citizens
7.95% p.a. for resident senior citizens
Both apply to the tenure of 2 years to less than 3 years for eligible deposits below ₹3 crore.
Since FD rates can change, check Bandhan Bank’s latest rate page before investing.
2.How Can I Check My Fixed Deposit Balance in Bandhan Bank?
You can check your Bandhan Bank FD through Internet Banking or the mBandhan 2.0 app. You can also contact customer care or visit a branch for assistance.
3.Can I Transfer My Bandhan Bank FD to Another Bank?
Bandhan Bank does not currently list a direct facility for transferring an existing FD itself to another bank.
You can generally redeem the FD on maturity or close it prematurely where permitted, transfer the proceeds to the other bank and then open a new FD there.
Premature closure may result in a reduced applicable interest rate and penal interest according to the bank’s terms.
4.Is Bandhan Bank FD Safe? Is It Covered Under DICGC Insurance?
Bandhan Bank appears on the DICGC’s current list of insured banks.
DICGC covers eligible bank deposits, including fixed deposits, up to ₹5 lakh per depositor per bank in the same right and same capacity. The ₹5 lakh limit includes both principal and accrued interest and applies across eligible deposits held with the same bank in the same capacity.
This does not mean that every rupee invested above ₹5 lakh is insured by DICGC.
5.Can NRIs Open a Fixed Deposit with Bandhan Bank?
Yes. Bandhan Bank offers several deposit options for NRIs, including:
NRE Fixed Deposits
NRO deposits
NRO Tax Saver Fixed Deposits
FCNR(B) Fixed Deposits
For NRE Fixed Deposits, Bandhan Bank currently offers tenures from 1 year to 10 years and a minimum deposit of ₹1,000. Senior citizen preferential rates are not applicable to NRI deposits.
6.Does Bandhan Bank Offer a Loan or Overdraft Against FD?
Yes. Bandhan Bank states that eligible fixed deposit customers can avail a loan or overdraft facility against their FD, subject to the bank’s applicable terms, approval and product conditions.
