Interest Rates
3.00% – 8.05%
Time Period
3 months – 10 years
Min - Max Amount
1,000 - No limit
Compounding
Quarterly
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Expected Rate of Return
The future value of investment will be
₹ 0
Invested Amount
₹ 10,000
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Bandhan Bank was established on August 23, 2015, evolving from an NGO to an NBFC and ultimately becoming a universal bank. Its primary mission is to serve the under-banked segments, offering accessible banking solutions to individuals and businesses of all sizes. Guided by the philosophy of “Aapka Bhala. Sabki Bhalai.” (Your benefit. Everyone’s welfare.), the bank focuses on inclusive banking, expanding financial access while maintaining a customer-centric approach.
Among its key offerings, Bandhan Bank Fixed Deposits stand out as a popular and reliable investment option. The FD schemes provide competitive interest rates for both regular and senior citizens, catering to different tenures. These deposits combine safety, assured returns, and flexible options, making them an attractive choice for individuals seeking secure avenues to grow their savings.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 days to 14 days | 3.00 | 3.75 |
15 days to 30 days | 3.00 | 3.75 |
31 days to less than 2 months | 3.50 | 4.25 |
2 months to less than 3 months | 4.50 | 5.25 |
3 months to less than 6 months | 4.50 | 5.25 |
6 months to less than 1 year | 4.50 | 5.25 |
1 year | 8.05 | 8.55 |
1 year 1 day to 1 year 9 months | 8.00 | 8.50 |
1 year 9 months 1 day to less than 2 years | 7.25 | 7.75 |
2 years to less than 3 years | 7.25 | 7.75 |
3 years to less than 5 years | 7.25 | 7.75 |
5 years to 10 years | 5.85 | 6.60 |
Tax Saver Fixed Deposit | 7.00 | 7.50 |
Note: The data is as of September 13, 2024
These FDs range between 7 days to less than a year, offering interest rates from 3.00% to 8.05% for regular customers and 3.75% to 8.80% for senior citizens. This type of FD can be suitable for short-term savings and quick liquidity.
These FDs range from 1 year to less than 5 years, with an interest rate of 7.25% for regular customers and 7.75% for senior citizens. This can be a suitable option for planned expenses over the medium term.
These FDs range from 5 years to 10 years, offering 5.85% for regular customers and up to 6.60% for senior citizens. This can be suitable for long-term wealth creation with stable and assured returns.
| Tenure | Institution Name | Interest Rate (% p.a.) |
|---|---|---|
| 1-year | 7.75› |
 | 5-year | 8.00› |
 | 3-year | 7.65› |
 | 1-year | 7.25› |
 | 1-year | 7.00› |
Note: The data is as of August 27, 2025
Note: The specific requirements might vary slightly depending on the type of FD account (e.g., for individuals, HUFs, or firms) and whether you are an existing or new customer of the bank. If you're an existing customer, the process is often simpler.
Investments in Bandhan Bank’s Tax Saving FD offer tax benefits of up to ₹1,50,000 per financial year under Section 80C. Other FDs do not provide tax benefits.
Interest earned on all FDs is taxable according to the investor’s income tax slab. TDS is applicable at 10% if annual interest exceeds ₹40,000, and ₹50,000 for senior citizens. If PAN details are not provided, TDS is charged at 20%.
Bandhan Bank allows premature withdrawal of most fixed deposits, except for tax-saving FDs. Premature withdrawal attracts a penalty, which varies as per Bandhan Bank’s terms and conditions.
