Bandhan Bank Hikes FD Rates
Bandhan Bank has increased interest rates on select fixed deposit tenures as part of its latest revision.
The bank has raised rates by 20 basis points for deposits with maturities between 2 years and less than 3 years, making this the highest interest-paying tenure under its revised FD structure.
Highest FD Interest Rates
Following the revision:
- Senior Citizens: Up to 7.95% per annum
- Non-Senior Citizens: Up to 7.45% per annum
These rates apply to fixed deposits with tenures ranging from 2 years to less than 3 years.
Revised Fixed Deposit Interest Rates
For Senior Citizens
| FD Tenure | Interest Rate |
|---|---|
| 1 Year 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% |
For Non-Senior Citizens
| FD Tenure | Interest Rate |
| 1 Year to Less Than 2 Years | 7.00% |
| 2 Years to Less Than 3 Years | 7.45% |
| 3 Years to Less Than 5 Years | 7.25% |
| 5 Years to 10 Years | 5.85% |
Long-Term Investment Options
For investors seeking longer investment horizons, Bandhan Bank continues to offer fixed deposit options with tenures of 5 to 10 years.
Although returns are lower than medium-term deposits, these FDs provide:
- Stable returns
- Capital preservation
- Predictable income for long-term investors
Savings Account Interest
In addition to fixed deposits, Bandhan Bank offers competitive savings account interest for higher balances.
Customers maintaining balances between ₹5 lakh and ₹10 lakh are eligible to earn 6.50% per annum on their savings account balances.
The bank encourages customers to combine savings accounts and fixed deposits to optimise overall returns.
Digital FD Booking
Bandhan Bank allows customers to invest in fixed deposits through its digital platforms.
FDs can be opened using:
- Retail Internet Banking
- mBandhan Mobile Application
The online process enables customers to complete FD booking within minutes without visiting a branch.
Bandhan Bank Share Price Performance
As of 3:05 PM on June 24, 2026, Bandhan Bank shares were trading at:
- Share Price: ₹212.28
- Day’s Gain: +2.49%
The stock witnessed positive momentum during the trading session.
Deposit Franchise Remains Strong
As of March 31, 2026:
- Total Deposits: More than ₹1.66 lakh crore
- Total Advances: More than ₹1.54 lakh crore
The strong deposit base supports the bank’s lending operations while enabling it to offer competitive deposit products.
Key Highlights
- FD rates increased by 20 basis points for 2-year to less than 3-year deposits.
- Senior citizens can now earn up to 7.95%.
- Non-senior citizens can earn up to 7.45%.
- Savings account balances between ₹5 lakh and ₹10 lakh earn 6.50% interest.
- Fixed deposits can be booked digitally through Internet Banking and the mBandhan app.
- Deposit base stands above ₹1.66 lakh crore.
Conclusion
Bandhan Bank’s latest fixed deposit rate revision enhances returns for medium-term investors, particularly senior citizens, who can now earn up to 7.95% per annum. With competitive rates across multiple tenures, digital investment options, and a strong deposit franchise, the bank continues to strengthen its retail savings and investment offerings while providing customers with flexible wealth management opportunities.
Summary
Bandhan Bank has revised its Fixed Deposit (FD) interest rates, increasing returns by 20 basis points (0.20%) for deposits with tenures ranging from 2 years to less than 3 years. Following the revision, senior citizens can now earn up to 7.95% per annum, while non-senior citizens are eligible for up to 7.45% on the same tenure.
The revised rates strengthen the bank’s deposit offerings across multiple maturity periods while providing attractive returns for both regular and senior citizen investors.
Disclaimer:
This article is intended solely for educational and informational purposes. The securities or companies mentioned are provided as examples and should not be considered as recommendations. Nothing contained herein constitutes personal financial advice or investment recommendations. Readers are advised to conduct their own research and consult a qualified financial advisor before making any investment decisions.
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