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    Domestic Term Deposit Interest Rate

    2. Interest Rate
    3. Domestic Term Deposit Interest Rate

    Interest Rates on Saving Bank Deposits with effect from 1st April 2025.

     
    Particular Rate of Interest
    Saving Bank Deposit including NRE/NRO Revised Rates
    w.e.f 1.04.2025 (% p.a)
    Upto 1 Crore 2.60%
    Above 1 Crore to upto 50 Crore 2.80%
    Above 50 Crore to upto 100 Crore 4.42%
    Above 100 Crore to upto 500 Crore 4.45%
    Above 500 Crore 4.90%
     

    Rate of interest on domestic term deposits, NRO accounts, capital gain accounts scheme 1988, recurring deposit scheme and psb fixed deposit tax-saver scheme

     
    Revised w.e.f. 01/04/2025 (% p.a.)
    Maturity

    Fixed Deposit

    Less than Rs.3 Cr
    7 - 14 Days 3.50(#)
    15 - 30 Days 3.50
    31 - 45 Days 4.00
    46 - 90 Days 4.50
    91 - 120 Days 4.50
    121-150 Days 4.50
    151 - 179 Days 6.00
    180 – 364 Days 5.25
    1 Year 6.30
    >1 Years - 374 Days 6.00
    375 Days 7.25
    376 Days - 443 Days 6.00
    444 Days 7.10($)
    445 Days - <22 Months 6.00
    22 Months (PSB Green Earth) 6.10*
    >22 Months-<2 Years 6.00
    2 Years - 776 Days 6.30
    777 Days 6.50($)
    778 Days -998 Days 6.30
    999 Days ( Callable) 6.35($)
    999 Days (Non-Callable)* 6.40($)
    1000 Days - < 3 Years 6.30
    3 Years -< 44 Months 6.00
    44 Months (PSB Green Earth) 6.10*
    >44 Months - 5 years 6.00
    5 Y 6.50
    66 Months (PSB Green Earth) 6.35*
    >5Y - < 66 Month 6.25
    66 Month (PSB Green Earth) 6.35*
    > 66 Month -10Y 6.25

    (#) Minimum amount of term deposit shall be Rs. 1.00 lac

    ($) Valid for period upto 30.06.2025 only.

    (*) As Per Terms & Conditions

    1. Note:
    2. FDRs issued for special purpose (under direction of court etc.), the term may exceed 10 years. The effective ROl for the same shall be as applicable for >5Y-10Years  bucket
    3. Senior Citizens shall be given benefit of additional interest of 0.50% on term deposits of less than Rs. 3 crore, over and above the mentioned rates for the maturity of 180 days & above on fresh as well as on renewal of term deposits, same shall not be available to NRE, NRO deposits, capital gain and Bulk deposits.
    4. Super Senior Citizens (80 Years & above) shall be given benefit of additional interest of 0.15% on specific period (i.e. 333Days, 444Days, 555 Days, 777Days, 999Days, PSB Green Earth (22 M,44M,66M)) Term Deposits of less than Rs. 3 crore, over and above mentioned in point no. 2 above for the maturity of 180 days & above on fresh as well as on renewal of term deposits, same shall not be available to NRE, NRO deposits, capital gain and Bulk deposits. 
     
    Click Here for Bulk Deposit Rates

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