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Interest Rates on Deposits

Applicable interest Rates with effect from 06-08-2024 are as under.

Period Interest Rates
For General Public (p.a)		 Interest Rates
for Senior Citizens (p.a)
15 days to 30 days 4.25 % 4.75 %
31 days to 90 days 4.75 % 5.25 %
91 days to 180 days 5.50 % 6.00 %
181 days to 1 year 7.00 % 7.50 %
Above 1 year to 2 years 8.00 % 8.50 %
Above 2 years to 3 years 8.75 % 9.25 %
Above 3 years to 5 years 9.00 % 9.50 %
450 Days 8.50% 9.00%
Above 5 years 7.50 % 8.00 %
900 days (Vardhaman Smart Deposit Scheme)
Simple Interest Scheme. Interest will be paid on maturity along with principal.		 9.00 % (simple) 9.50% (simple)

Recurring Deposit:

Period Interest Rates
For General Public (p.a)		 Interest Rates
for Senior Citizens (p.a)
Above 1 Year to 2 Years 8.00 % 8.50 %
Above 2 to 3 Years 8.00 % 8.50 %
Above 3 to 5 Years 7.50 % 8.00 %

Other Points

(i) Charitable Institutions & Widows : 0.50% extra for deposits above Rs.15.00 lacs and tenor above 180 days.

(ii) As per the directives of RBI, interest in a leap year shall be calculated taking number of days as 365.

(iii) Rate of interest are subject to change from time to time