Bandhan Bank Fixed Deposits help customers keep their savings in a secure place for a fixed period and earn predictable returns. They suit people who want steady growth without depending on market movements. You can use an FD for short-term savings, tax planning, emergency backup, or long-term financial goals. Bandhan Bank Fixed Deposits come with different tenure options, payout choices, and senior citizen benefits.
As per the bank, standard retail deposits start from ₹1,000, and the tenure can range from 7 days to 10 years. Customers can also access features such as nomination, premature closure, automatic renewal, and loan or overdraft against fixed deposit.
Bandhan Bank FD Rates 2026
Bandhan Bank FD rates today vary by tenure and customer type. Regular citizens and senior citizens receive different rates. For selected medium-term tenures, the bank currently shows higher rates. For retail deposits below ₹3 crore, the rate goes up to 7.25% p.a. for non-senior citizens and 7.75% p.a. for senior citizens for tenures from 2 years to less than 5 years.
| Tenure | Regular Citizen Rate | Senior Citizen Rate |
|---|---|---|
| 7 days to 14 days | 2.95% p.a. | 3.70% p.a. |
| 31 days to less than 2 months | 3.45% p.a. | 4.20% p.a. |
| 6 months to less than 1 year | 4.20% p.a. | 4.95% p.a. |
| 1 year to less than 2 years | 7.00% p.a. | 7.50% p.a. |
| 2 years to less than 5 years | 7.25% p.a. | 7.75% p.a. |
| 5 years to 10 years | 5.85% p.a. | 6.60% p.a. |
The table gives a simple view of the fd interest rates in Bandhan Bank for common tenure ranges. Since rates may change, compare the latest bandhan bank fd rates before booking your deposit.
Also Read: All Bank FD Rates
What Are Bandhan Bank Fixed Deposits?
Bandhan Bank fixed deposits are term deposits where you invest a lump sum for a selected tenure. The bank pays interest based on the deposit period, customer category, and applicable rate on the booking date. Unlike a regular savings account, an FD keeps your money locked for a chosen period and usually offers better returns.
These deposits may work well if you prefer capital safety and fixed income. You know the rate before investing, so planning becomes easier. Bandhan Bank fixed deposits also allow customers to choose between regular payout and cumulative growth, depending on their financial needs.
Get Personal Loan Online Up to ₹15 Lakhs
By entering your number, you're agreeing to Terms & Conditions & Privacy Policy.
Types of Bandhan Bank Fixed Deposits
Bandhan Bank fixed deposits are available in different formats. Each option serves a different savings need.
Standard Fixed Deposit
This option suits customers who want a simple FD with monthly or quarterly interest payout choices. The tenure ranges from 7 days to 10 years. Customers can also use premature closure, partial withdrawal, automatic renewal, nomination, and loan or overdraft facilities.
Advantage Fixed Deposit
This deposit focuses on compounded interest. It may suit people who want their savings to grow over time instead of receiving regular payouts. The tenure starts from 6 months and can go up to 10 years.
Tax Saver Fixed Deposit
A Tax Saver FD gives fixed returns along with tax deduction benefits under Section 80C. Bandhan Bank currently shows 6.25% p.a. for non-senior citizens and 7.25% p.a. for senior citizens on this deposit. The tenure is 5 years, and the maximum deposit eligible for tax deduction is ₹1,50,000 in a financial year.
Neo+ Digital Fixed Deposit
Neo+ Digital FD allows online account opening with Aadhaar, PAN, and video KYC. It can help users who want a paperless process and do not want to visit a branch. The maximum investment limit for this digital FD is ₹2 lakh.
Also Read: NBFC FD Rates
How to Choose the Right FD Tenure
The fd interest rate of Bandhan Bank should not be the only factor in your decision. Match the tenure with your goal. A short FD can help with travel, school fees, or near-term expenses. A medium-term FD can support planned savings. A longer FD can help people who want discipline and do not need quick liquidity.
- Choose 7 days to 1 year if you need short-term parking of funds.
- Choose 1 year to less than 2 years if you want a better rate with moderate flexibility.
- Choose 2 years to less than 5 years if you want to use the currently higher Bandhan Bank interest rates.
- Choose a 5-year tax saver FD if you need Section 80C tax planning.
Bandhan Bank Fixed Deposit Calculator
A bandhan bank fixed deposit calculator helps you estimate the maturity value before investing. You enter the deposit amount, tenure, applicable rate, and payout type. The calculator then shows the expected maturity amount and total interest earned.
Investment
Amount
Yearly Investment Growth
You can also use a bandhan bank fd calculator to compare different tenures.
For example, the same deposit amount may give different returns if you choose 1 year, 3 years, or 5 years. A fixed deposit calculator Bandhan Bank page can help users plan better before they apply.
How to Use an FD Calculator
- Enter the amount you want to invest.
- Select the tenure in days, months, or years.
- Add the applicable rate from the latest bandhan bank fd interest rates.
- Choose the payout option, such as monthly, quarterly, or cumulative.
- Check the maturity amount and total interest earned.
The Bandhan Bank FD calculator is useful when you want clarity before locking your money. It also helps you compare whether regular income or cumulative growth fits your goal better.
Also Read: Tax on Fixed Deposit Interest
Eligibility & Documents to Open Bandhan Bank FD
Bandhan Bank fixed deposits can be opened by eligible resident customers, senior citizens, and selected NRI customers, depending on the product type. For most retail deposits, customers need basic KYC documents.
| Requirement | Details |
|---|---|
| Minimum deposit | ₹1,000 for standard retail deposits |
| Tenure | 7 days to 10 years |
| Documents | PAN, Aadhaar, address proof, and other KYC documents |
| Senior citizen proof | Age proof is required to claim senior citizen rates |
| Nomination | Available |
Things to Check Before Opening an FDBefore you open Bandhan Bank fixed deposits, review the return, tenure, tax impact, and liquidity rules. This small check can help you avoid confusion later.
|
Tax and TDS on Bandhan Bank Fixed Deposits
Interest earned from fixed deposits is taxable as per the customer’s income tax slab. TDS may apply when annual FD interest crosses the specified limit. Bandhan Bank mentions TDS applicability for interest above ₹50,000 for general customers and ₹1,00,000 for senior citizens in a year. Customers with eligible income levels may submit the relevant form to avoid excess deduction, subject to rules.
Related Read: Bandhan Bank Personal Loan
Final Thoughts
Bandhan Bank fixed deposits can be a practical choice if you want safe, planned, and predictable returns. The bank offers multiple tenure options, senior citizen benefits, tax-saving deposits, and digital FD opening. Before investing, check the latest bandhan bank FD interest rates for 2025, compare the current rates, and use a calculator to estimate maturity value. A little planning can help you choose the right FD without locking your money blindly.
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
Scan to download now
