Central Bank of India Fixed Deposit Rates 2025
Central Bank of India offers the Fixed Deposit (FD) scheme with attractive interest rates ranging between 3.50% p.a. and 6.75% p.a.
The tenure of the scheme ranges between 7 days and 10 years.
Domestic Term Deposit Interest Rates (Less than Rs.2 crore)
Maturity Period | FD Rates for General Public (p.a.) | FD Rates for Senior Citizens (p.a.) |
7 - l4 days | 3.50% | 4.00% |
15-30 days | 3.75% | 4.25% |
31 - 45 days | 3.75% | 4.25% |
46 -59 days | 4.50% | 5.00% |
60 - 90 days | 4.75% | 5.25% |
91 -179 days | 5.00% | 5.50% |
180 -270 days | 6.00% | 6.50% |
271-364 days | 6.25% | 6.75% |
1 yr to less than 2 yrs | 6.75% | 7.25% |
2 yr to less than 3 years | 7.00% | 7.50% |
3 yr to less than 5 years | 6.50% | 7.00% |
5 years & above upto 10 years | 6.25% | 6.75% |
Note : *The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 January 2024.
Central Bank of India Fixed Deposit Rates (Rs.2 crore to Rs.10 crore)
Maturity Period | Rates for General Public (p.a.) | Rates for Senor Citizens (p.a.) |
7 -14 days | 5.00% | 5.50% |
15 – 30 days | 5.00% | 5.50% |
31 - 45 days | 5.50% | 6.00% |
46 – 59 days | 5.75% | 6.25% |
60 – 90 days | 5.00% | 5.50% |
91 – 179 days | 6.00% | 6.50% |
180 – 270 days | 6.50% | 7.00% |
271 – 364 days | 6.75% | 7.25% |
1 yr to less than 2 yrs | 6.85% | 7.35% |
2 yr to less than 3 years | 6.25% | 6.75% |
3 yr to less than 5 years | 5.75% | 6.25% |
5 years & above upto 10 years | 5.50% | 6.00% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 January 2024.
Central Bank of India Tax Saving FD Rates
Tenure | Regular FD interest rate (per annum) |
5 years | 6.25% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 August 2023.
Central Bank of India Special Term FD Rates
Tenure | General Public FD Rates (p.a.) (callable) | Senior Citizen FD Rates (p.a.) (callable) |
444 days | 7.10% | 7.60% |
999 days | 6.50% | 7.00% |
Central Bank of India NRI FD Rates
Central Bank of India NRE FD Rates (Less than Rs.2 crore)
Tenure | Interest Rate |
1 year to less than 2 years | 6.75% |
2 years to less than 3 years | 6.75% |
3 years to less than 5 years | 6.50% |
5 years to 10 years | 6.25% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 August 2023.
Central Bank of India NRE FD Rates (Rs.2 crore to Rs.10 crore)
Tenure | Interest Rate |
1 year to less than 2 years | 6.75% |
2 years to less than 3 years | 6.00% |
3 years to less than 5 years | 5.50% |
5 years to 10 years | 5.50% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 August 2023.
Central Bank of India FCNR FD Rates
Period Of Deposit | USD | GBP | EUR | CAD | AUD |
1 year to less than 2 years | 5.77 | 3.63 | 2.00 | 4.36 | 3.70 |
2 years to less than 3 years | 5.62 | 4.03 | 2.20 | 5.36 | 4.20 |
3 years to less than 4 years | 5.50 | 4.13 | 2.40 | 5.61 | 4.55 |
4 years to less than 5 years | 5.60 | 4.13 | 2.40 | 5.66 | 4.80 |
5 years only | 5.65 | 4.13 | 2.40 | 5.66 | 4.90 |
Overdue Deposit | 4.77 | 2.63 | 1.00 | 3.36 | 2.70 |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid from October 2023.
Features and Benefits of Central Bank of India FD Rates
- Attractive interest rates are offered.
- Nominations can be added.
- The minimum amount that must be deposited is Rs.100.
- The tenure of the scheme ranges between 7 days and 120 days.
- Loans can be availed.
- Premature withdrawal facility is provided.
Eligibility Criteria & Documentation Required
Eligibility
- Corporates, Societies, Clubs, Companies, Partnership Firms, Professionals, Agents, Merchants, and Private Traders
- Illiterate Persons
- Blind Persons
- Hindu Undivided Families (HUFs)
- Educational and charitable institutions
- Individuals
Documents
- Two passport-sized photographs.
- Proof of date of birth in the case of minors and senior citizens.
- Proof of address.
- Proof of identity.
FAQs on Central Bank of India Fixed Deposit Rates
- What is the highest interest rate that is offered by Central Bank of India on its FD?
The highest interest rate that is offered by Central Bank of India on its FD is 5.50% p.a. for a tenure that ranges between 3 years and 10 years.
- Can I add nominees to the account?
Yes, Central Bank of India provides the option to add nominations to the account.
- How much loan can I avail against FD?
Up to 90% of the amount available in the account can be availed as a loan.
- In the case of the Cent Tax Saving Deposit, what is the maximum deposit that can be made?
The maximum deposit that can be made in a Cent Tax Saving Deposit is Rs.1.50 lakh.
- Does Central Bank of India offer the auto-renewal facility on its FDs?
Yes, Central Bank of India offers the auto-renewal facility on its FDs.
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