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Interest Rates on Deposits

Applicable interest Rates with effect from 01-06-2020 are as under.

Period Interest Rates
For General Public (p.a)
Interest Rates
for Senior Citizens (p.a)
7 days to 14 days 4.00 % 4.00 %
15 days to 29 days 4.50 % 4.50 %
30 days to 90 days 6.25 % 6.75 %
91 days to 180 days 6.50 % 7.00 %
181 days to 1 year 7.50 % 8.00 %
Above 1 year to 3 years 7.75 % 8.25 %
Above 3 years 7.50 % 8.00 %
450 Days (Cumulative & Simple) 7.75% 8.25%
900 days (Vardhaman Smart Deposit Scheme)
Simple Interest Scheme. Interest will be paid on maturity along with principal.
8.50 % (simple) 9.00% (simple)

Recurring Deposit:

Period Interest Rates
For General Public (p.a)
Interest Rates
for Senior Citizens (p.a)
Above 1 Year to 3 Years 7.75 % 8.25 %
Above 3 Years 7.50 % 8.00 %

Other Points

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

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