Deposit Interest Rates

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Revised Interest Rates on Fixed Deposits / SSDC / MIDC / Recurring Deposits / Bulk Deposit Schemes with effect from 04/08/2025.

 

Sr.No. Particulars Revised Interest  Rate for  General Public w.e.f.
04/08/2025          		 Revised Interest  Rate for  Senior Citizen w.e.f. 
04/08/2025
1 7 Days to 30 Days (FDR) 3.75% N.A.
2 31 Days to 90 Days (FDR) 4.00% N.A.
3 91 Days to 180 Days (FDR) 5.00% N.A.
4 181 Days to 363 Days (FDR) 5.75% N.A.
5 Nutan Samruddhi 364 Days     Auto Renew (Cumm. & Non Cumm.) 6.65% 7.15%
6 For 1 Year & Up to 2 Years (Quaterly basis i.e 12,15,18,21,24 months only) 6.90% 7.40%
Above 2 Years & Up to 3 Years (Quaterly basis i.e 27,30,33,36 months only) 6.45% 6.95%
Above 3 Years & Up to 5 Years (FDR/SSDC/MIDC/Recurring Depo.) (Deposits will be accepted in Multiple of full months only.) 6.40% 6.90%
7 Nutan Bulk Deposit – (FOR GENERAL PUBLIC) (FDR / SSDC)
Single Deposit Rs.1 Crore & above.
For 90 days to 180 days 6.00% N.A
For 181 days to 363 days 6.50% N.A
For 1 Year & upto 2 Years 7.00% N.A
Above 2 Years & upto 3 Years [For P.B.M. the same slab rate will be applicable] & [Overdraft is allowed 85% of deposit amount] 6.70% N.A
8 Nutan Bulk Deposit – (FOR TRUST and CO-OPERATIVE SOCIETY ) (FDR / SSDC)
Single Deposit Rs.1 Crore & above.
(General public Interest rate + 0.25%)
For 1 Year & upto 2 Years    7.15% N.A
Above 2 Years & upto 3 Years   [For P.B.M. the same slab rate will be applicable]  6.70% N.A
9 Inter Bank Deposits (FDR / SSDC) N.A
For 30 days to 89 days 5.00%
For 90 days to 179 days 6.00%
For 180 days to 363 days 6.50%
For 1 Year & up to 3 Years [Minimum Deposit Rs.50/- Lac and above] [For P.B.M. No Penalty ] 7.00%
10 Junior citizen recurring scheme. (From Minimum 4 years  to Maximum 10 years) 7.50% N.A
  • Under Senior Citizen Scheme 1st Name of the Deposit holder must be of Senior citizen.
  • 0.50% Additional interest rate to Senior Citizen for Deposit of 1 Year and above & Nutan Samruddhi Deposit Scheme.
  • 0.50 % Penalty should be levied on Deposit paid before maturity. The Interest rate for PBM will be considered for the period which the deposit has remained with the bank.

Nutan Tax Saving Deposit Scheme 

               Deposit under benefit of   Income-Tax u/s 80 C for a Fixed Period of 5 Years.  

Particulars Revised Int. Rate w.e.f.
[ 04/08/2025] 
(A) For General Public 6.50%
(B) For Senior Citizen 7.00%
( c) For Staff / Ex staff/ Staff relative jointly with staff. 7.25%