The Federal bank fixed deposit interest rate for domestic and NRI deposits (below Rs. 3 crore) vary by tenure and customer category, with general depositors earning 3.00% to 6.85% per annum and senior citizens receiving an additional 0.50%, ranging from 3.50% to 7.35% p.a., as of June 12, 2025. Short-term deposits (7 to 29 days) offer 3.00% (general) / 3.50% (senior citizens), and rates steadily increase with longer tenures, reaching 6.25% (general) / 6.75% (senior citizens) for up to one year.
What are the Federal Bank FD Interest Rates?
A one year FD yields 6.50% (general) and 7.00% (senior citizens), while tenures above one year up to 443 days fetch 6.70% / 7.20% respectively.
The best rate for a general depositor is 6.85%, available for a 444-day fixed deposit, with seniors earning up to 7.35% on that same tenure.
Federal Bank also provides special “Deposit Plus” (non-callable) schemes with even higher rates 6.70% to 7.10% (general) and 7.20% to 7.60% (senior citizens) depending on tenure.
Additionally, tax-saving FDs rates for 3 years to 10 years offer 6.50% for general and 7.00% for senior citizens.
These FDs compound interest quarterly, and customers may opt for monthly/quarterly/yearly payouts or cumulative maturity. TDS applies if interest exceeds Rs. 40,000 (general) or Rs. 50,000 (senior) annually, subject to submission of Form 15G/H.
The minimum deposit starts at just Rs. 1,000, with tenures ranging from 7 days up to 10 years, and loan facilities against deposits up to 90% of FD value.
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What is Federal Bank Fixed Deposit Interest Rate?
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2025-07-09T09:35:52+00:00 2025-07-09T09:35:54+00:00Comment
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