Bandhan Bank Fixed Deposit (FD) Interest Rates 2026 – Latest Rates, Features & Calculator
Looking to invest in a safe and stable option this year? Bandhan Bank Fixed Deposit (FD) interest rates in 2026 are competitive, especially for mid-term tenures and senior citizens.
Here’s a complete, easy-to-understand guide covering the latest FD rates, features, eligibility, and how to open an FD step-by-step.
Bandhan Bank FD Interest Rates 2026 – Quick Overview
| Category | Interest Rate (Per Annum) |
|---|---|
| Regular Customers | Typically 6.00% – 8.50% |
| Senior Citizens | Up to 0.50% extra |
| Tenure | 7 days to 10 years |
| Minimum Deposit | ₹1,000 (may vary by scheme) |
| Interest Payout | Monthly, Quarterly, Half-Yearly, Yearly, or on Maturity |
FD rates may change periodically. Always check the Bandhan Bank mobile app or branch before investing.
Bandhan Bank FD Interest Rates 2026 (Tenure-Wise – Indicative)
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 7 – 30 days | 6.00% | 6.50% |
| 31 – 90 days | 6.50% | 7.00% |
| 3 – 6 months | 7.00% | 7.50% |
| 6 – 12 months | 7.50% | 8.00% |
| 1 – 2 years | 8.00% | 8.50% |
| 2 – 3 years | 8.25% | 8.75% |
| 3 – 5 years | 8.50% | 9.00% |
| 5 – 10 years | 7.25% | 7.75% |
Rates are indicative for 2026 and may vary depending on deposit size and bank policy.
Example – FD Maturity Calculation
If you invest ₹2,00,000 for 2 years at 8.25% (cumulative):
- Approximate Interest Earned: ₹34,000 – ₹36,000
- Total Maturity Amount: Around ₹2,34,000 – ₹2,36,000
The actual maturity value depends on the compounding frequency (typically quarterly).
You can use the FD calculator available on Bandhan Bank Net Banking or the mobile app to get exact figures.
Key Features of Bandhan Bank FD
Flexible Tenure Options
Choose from 7 days up to 10 years.
Higher Interest for Senior Citizens
Customers aged 60+ years usually receive an additional 0.50% interest.
Loan Against FD
Loan/overdraft facility available up to 75%–90% of FD value (as per policy).
Premature Withdrawal
Allowed with penalty charges as per bank rules.
Multiple Interest Payout Options
- Monthly
- Quarterly
- Half-Yearly
- Annual
- Cumulative (paid at maturity)
Types of FD Schemes Available
Bandhan Bank may offer:
- Regular Fixed Deposit
- Senior Citizen FD
- Tax Saving FD (5-year lock-in under Section 80C)
- Cumulative FD
- Non-Cumulative FD
- Recurring Deposit (RD)
Scheme availability may vary in 2026.
Eligibility Criteria
✔ Resident Indian individuals
✔ Senior citizens
✔ Joint account holders
✔ HUF and institutions (subject to bank approval)
NRIs should check NRE/NRO FD options separately.
Documents Required
For existing customers with updated KYC:
- Usually, no additional documents are required.
For new customers:
- Aadhaar Card
- PAN Card (mandatory)
- Address Proof
- Passport-size photograph (for branch application)
How to Open Bandhan Bank FD (Step-by-Step)
Method 1: Online via Net Banking (24×7)
- Log in to Bandhan Bank Net Banking.
- Go to Deposits → Open FD.
- Enter the deposit amount and select the tenure.
- Choose the interest payout option.
- Confirm nominee details.
- Submit using OTP authentication.
FD receipt is generated instantly.
Method 2: Through Mobile Banking App
- Open Bandhan Bank Mobile App.
- Select Fixed Deposit.
- Enter details and confirm.
Method 3: Visit the Branch
- Fill the FD application form.
- Submit KYC documents.
- Deposit amount via cheque or transfer.
- Collect the FD receipt.
Branch timings may vary by location.
Taxation Rules (2026)
- Interest earned is taxable as per your income tax slab.
- TDS may apply if interest exceeds the prescribed limits.
- Tax Saving FD qualifies for deduction under Section 80C (up to ₹1.5 lakh per financial year, as per current rules).
Is Bandhan Bank FD Safe?
Bandhan Bank is regulated by the Reserve Bank of India (RBI).
Deposits up to ₹5 lakh per depositor and per bank are insured under DICGC.
For investments above ₹5 lakh, consider diversifying across banks.
Frequently Asked Questions (FAQs)
1. What is the highest FD rate in Bandhan Bank in 2026?
A. Typically up to 8.50% for regular customers, and higher for senior citizens, depending on tenure.
2. What is the minimum FD amount?
A. Usually ₹1,000, but may vary by scheme.
3. Can I withdraw FD before maturity?
A. Yes, premature withdrawal is allowed, but there is a penalty.
4. Is online FD opening available?
A. Yes, through net banking and mobile app (24×7).
5. Is a loan against an FD available?
A. Yes, subject to bank policy and margin requirements.
Troubleshooting FD Issues
If your FD is not visible:
- Check the “Deposits” section in app/net banking.
- Refresh or re-login.
- Verify transaction status.
- Contact customer care or visit a branch if needed.
Conclusion
Bandhan Bank FD Interest Rates 2026 offer competitive returns across short and medium-term tenures, especially for senior citizens. With easy online booking, flexible payout options, and DICGC insurance protection, it remains a reliable option for conservative investors.
Before investing, always confirm the latest interest rate in the Bandhan Bank app or nearest branch for accurate details.
