FD Interest Rate of Bandhan Bank 2026: Latest Fixed Deposit Rates for All Tenures

The FD Interest Rate of Bandhan Bank in 2026 refers to the fixed deposit interest rates currently offered by Bandhan Bank for various tenures and customer segments, effective as of the latest revision in early 2026. For domestic retail depositors, the interest rates range from 2.95% to 7.20% per annum for regular citizens and up to 7.70% per annum for senior citizens on domestic fixed deposits, applicable on tenures from 7 days up to 10 years; these rates are based on figures updated in January 2026 and verified from official Bandhan Bank listings and financial aggregators. To view the official rate schedule directly from the bank, you can visit the Bandhan Bank Rates and Charges page on the official website.

The following article explains the current FD interest rate structure of Bandhan Bank, the applicable tenures, differences between regular and senior citizen rates, and key features of fixed deposit products under this rate regime. This information matters because fixed deposit interest income directly impacts your returns on savings and your investment decisions in time-bound bank deposits, particularly in a changing interest rate environment.

Key Highlights

• Bandhan Bank’s FD Interest Rate for 2026 ranges from 2.95% to 7.20% for regular citizens and up to 7.70% for senior citizens for domestic FDs.
• Interest rates depend on the tenure chosen and are higher for senior citizens across most slabs.
• Tenures begin as short as 7 days and extend to 10 years, with different interest slabs for short, medium, and long-term deposits.
• Bandhan Bank offers special FD schemes such as Tax Saving FDs and NRI FDs with distinct interest features.
• Bandhan Bank’s official Rates and Charges page lists comprehensive information including other service charges and product features.

FD Interest Rates of Bandhan Bank 2026 – Essential Information Table

Feature	Regular Citizen (p.a.)	Senior Citizen (p.a.)
7 days – 14 days	2.95%	3.70%
1 year	7.00%	7.50%
2 years – less than 3 years	7.20%	7.70%
5 years – 10 years	5.85%	6.60%
Minimum Deposit	₹1,000	₹1,000

(Rates and structure based on latest public schedules as of January 2026.)

What Is the FD Interest Rate of Bandhan Bank?

The FD Interest Rate of Bandhan Bank denotes the annual percentage return you earn on a fixed deposit with the bank over a specified tenure. These rates vary by the length of the deposit and whether the depositor is a regular or senior citizen. Higher interest rates are offered to senior citizens as a policy across most tenures, enabling increased income for retirees and older investors. The current spread of rates, effective from early 2026, accommodates both short-term savers and long-term investors.

These rates remain subject to periodic adjustments by the bank based on market conditions and regulatory environment, so it is important for investors to confirm the latest applicable rates before investing. The official Bandhan Bank website provides the definitive schedule for all interest rates and charges related to fixed deposits.

Detailed Breakdown of Bandhan Bank FD Interest Rates by Tenure

Bandhan Bank categorises FD interest rates according to the term of investment. The FD Interest Rate of Bandhan Bank increases with longer commitments in many cases and also varies for different depositor categories.

Short-Term FD Interest Rates

Short-term fixed deposits offer modest returns suitable for funds that may be needed in the near term. Rates for these tenures generally range from 2.95% to 4.20% annually for regular customers, and slightly higher for senior citizens.

Short-Term Bandhan Bank FD rates typically include:

• 7 days to 14 days: 2.95% (regular), 3.70% (senior)
• 31 days to less than 2 months: 3.45% (regular), 4.20% (senior)
• 2 months to less than 3 months: 4.20% (regular), 4.95% (senior)

Mid-Term FD Interest Rates

For deposits that span from one year to under three years, Bandhan Bank increases its return potential. These mid-term rates reward investors with higher annual interest compared to short-term deposits.

The FD Interest Rate of Bandhan Bank in these mid-term categories typically includes:

• 1 year: 7.00% (regular), 7.50% (senior)
• 1 year 1 day to 1 year 9 months: similar rate, maintaining attractive yields.
• 2 years – less than 3 years: 7.20% (regular), 7.70% (senior)

Long-Term FD Interest Rates

At longer maturities, such as five to ten years, the FD Interest Rate of Bandhan Bank moderates compared to peak mid-term figures. Long-term savers earn consistent yet comparatively lower rates, balancing risk and return over extended horizons.

• 3 years to less than 5 years: around 7.00% (regular), 7.50% (senior)
• 5 years to 10 years: 5.85% (regular), 6.60% (senior)

Additional Fixed Deposit Options and Their Interest Rates

Beyond the standard deposit tenures, Bandhan Bank provides specialised fixed deposit products. These can feature different interest mechanisms or additional benefits.

Tax Saving Fixed Deposits

Tax-saving FDs permit deduction under Section 80C of the Indian Income Tax Act, subject to a lock-in period (usually five years). The FD Interest Rate of Bandhan Bank in this product category is typically set at a competitive but fixed return. Standard tax saving FD rates are approximately 5.85% for regular customers and 6.60% for senior citizens, reflecting their long-term locked-in nature.

NRI FD Interest Rates

Bandhan Bank also offers fixed deposits for Non-Resident Indians (NRI), including NRE and NRO accounts, and FCNR (B) FDs in foreign currency denominations. These schemes may yield different interest rates based on currency and tenure and include tax benefits on NRE FDs.

Why the FD Interest Rate of Bandhan Bank Matters

Understanding the FD Interest Rate of Bandhan Bank is critical for planning your savings strategy. Fixed deposits are one of the most common low-risk investment vehicles in India, offering predictable returns and capital safety. The interest rate directly influences your overall return on investment and should align with your financial goals, liquidity preferences, and tax considerations.

Compared to savings accounts, fixed deposits usually offer significantly higher interest returns in exchange for locking funds for specified periods. For senior citizens, enhanced rates provide a meaningful income boost, particularly for retirement planning.

How to Choose the Right Bandhan Bank FD Tenure

Selecting the appropriate tenure under the FD Interest Rate of Bandhan Bank framework involves weighing potential return against cash-flow needs. Consider the following when making your decision:

1. Liquidity Needs: Short-term FDs suit temporary parking of funds but offer modest returns.
2. Return Maximisation: Mid-term tenures are often the most rewarding in terms of interest rates.
3. Tax and Planning: If tax deduction under Section 80C is a priority, Tax Saving FDs with a five-year lock-in may be advantageous.
4. Senior Citizen Benefits: Eligible investors should leverage higher interest slabs available for senior citizens.

By assessing these factors against your goals, you can align deposits with your broader financial plan.

Conclusion

The FD Interest Rate of Bandhan Bank in 2026 remains competitive in India’s fixed income landscape, offering a structured range of interest rates from short to long-term tenures catering to both regular and senior citizen investors. With rates ranging generally from 2.95% up to 7.20% for regular citizens and up to 7.70% for senior citizens, Bandhan Bank’s fixed deposit products provide options that balance risk, return, and investment horizon needs. Investors should consult the official Bandhan Bank rates page for the most current figures and consider their personal financial goals before committing funds.

Read More: FD Interest Rate of Axis Bank 2026: Latest Fixed Deposit Rates for General & Senior Citizens