Overview of Bandhan Bank Fixed Deposit (FD)
Bandhan Bank offers a wide range of fixed deposits that cater to varying requirements. Each scheme offers unique benefits, attractive interest rates, and flexible tenures ranging from 7 days and going up to 10 years.
Senior citizens get an additional interest rate of up to 0.75% p.a. High-value deposits attract a differential rate of interest for even higher returns.
Bandhan Bank Fixed Deposit
Different Types of Accounts
The different types of FD accounts offered by Bandhan Bank are mentioned below:
FD Premium:
The main features of the FD Premium account are mentioned below:
- The Minimum deposit is Rs.2 crore.
- Loans can be availed against the account.
- The tenure ranges between 7 days and 10 years.
- Differential interest rates can be availed for high value deposits.
FD Standard:
The main features of the FD Standard account are mentioned below:
- Minimum deposit is Rs.1,000.
- TDS Certificate is issued.
- You can add nominees to the account.
- Loans can be availed against the account.
- Premature closure and part withdrawal facilities are provided.
- You have the option to choose between quarterly and monthly interest pay-outs.
- You have the option to choose between short term and long-term deposits.
FD Tax Saver:
The main features of the FD Tax Saver account are mentioned below:
- The minimum and maximum deposits that can be made in a financial year are Rs.1,000 and Rs.1.50 lakh.
- You can add nominees to the account.
- The account comes with a lock-in period ranging between 5 years and 10 years.
- Tax benefits (Under Section 80C) are provided along with high returns.
FD Advantage:
The main features of the FD Advantage account are mentioned below:
- TDS Certificate will be provided.
- Auto renewal facility is available.
- Premature closure and part withdrawal facilities are provided.
- The minimum deposit that must be made towards the account is Rs.1,000.
- You can add nominees to the account.
- Loans can be availed against the account.
- The tenure of the account ranges between 6 months and 10 years.
FD Dhan Samriddhi:
The main features of the FD Dhan Samriddhi account are mentioned below:
- Rs.5,000 is the minimum deposit value.
- Loans can be availed against the account.
- You can add nominees to the account.
- The tenure of the account ranges between 6 months and 10 years.
- You have the option to open a single account or a joint account.
- Auto renewal facility is provided.
Bandhan Bank FD Rates in India
The fixed rates for general customers and for senior citizens for less than Rs.3 crore are mentioned in the table given below:
Maturity Bucket | Regular FD Rates (p.a.) | Interest Rates for Senior Citizens (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 | 7.75% | 8.25% |
1 year 1 day to less than 2 years | 7.65% | 8.15% |
2 years to less than 3 years | 7.25% | 7.75% |
3 years to less than 5 years | 7.25% | 7.75% |
5 years and up to 10 years | 5.85% | 6.60% |
Note: The rates mentioned above are effective from 1 May 2025. The Bandhan Bank FD rates are subject to change from time to time.
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FAQs on Bandhan Bank FD
- What kind of interest payouts are available with Bandhan Bank fixed deposits?
Bandhan Bank fixed deposits offer interest payouts on a monthly or quarterly basis.
- How do I open an FD with Bandhan Bank?
You can open a fixed deposit account with Bandhan Bank by calling on the toll-free number, or applying online on the bank's official website, or by visiting your nearest branch.
- Does Bandhan Bank offer fixed deposits with a reinvestment option?
Yes, Bandhan Bank FDs have a reinvestment option with the scheme called FD Advantage where the interest is compounded on a quarterly basis and is added back to the principal amount to accrue interest for the duration of the deposit, with maturity periods ranging from 6 months upwards to 10 years.
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