YES Bank FD Interest Rates 2026 – Latest YES Bank Fixed Deposit Rates
YES Bank offers competitive Fixed Deposit (FD) interest rates in 2026, especially for short- and medium-term tenures. With fully digital booking, flexible payout options, and senior citizen benefits, YES Bank FDs are suitable for both regular savers and investors looking for higher returns.
Here’s a complete guide covering the latest YES Bank FD rates, features, eligibility, and how to open an FD.
YES Bank FD Interest Rates 2026 – Quick Overview
| Category | Interest Rate (Per Annum) |
|---|---|
| Regular Customers | Typically 6.50% – 8.75% |
| Senior Citizens | Up to 0.50% – 0.75% higher |
| Tenure | 7 days to 10 years |
| Minimum Deposit | ₹10,000 (may vary by scheme) |
| Interest Payout | Monthly, Quarterly, Half-Yearly, Annually, or on Maturity |
FD interest rates may change periodically. Always confirm the latest rates through YES Bank Net Banking, mobile app, or branch before investing.
YES Bank FD Interest Rates 2026 (Indicative – Tenure Wise)
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 7 – 30 days | 6.50% | 7.00% |
| 31 – 90 days | 7.00% | 7.50% |
| 91 – 180 days | 7.50% | 8.00% |
| 6 – 12 months | 8.00% | 8.50% |
| 1 – 2 years | 8.25% | 8.75% |
| 2 – 3 years | 8.50% | 9.00% |
| 3 – 5 years | 8.75% | 9.25% |
| 5 – 10 years | 7.50% | 8.00% |
Rates are indicative for 2026 and may vary based on deposit size and bank policy.
Example – FD Maturity Calculation
If you invest ₹1,00,000 for 2 years at 8.50% (cumulative option):
- Estimated Interest Earned: ₹17,500 – ₹18,500
- Total Maturity Amount: Around ₹1,17,500 – ₹1,18,500
The actual maturity amount depends on quarterly compounding.
You can calculate exact returns using the FD calculator available in YES Bank’s mobile app.
Key Features of YES Bank Fixed Deposit
Flexible Tenure
Choose tenure from 7 days up to 10 years.
Higher Interest for Senior Citizens
Customers aged 60+ years generally receive an additional interest benefit.
100% Digital FD Opening
FD can be opened online via net banking or mobile app (24×7).
Loan Against FD
Loan or overdraft facility available up to 75%–90% of the FD value (as per policy).
Premature Withdrawal Facility
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 Offered
YES Bank may offer:
- Regular Fixed Deposit
- Senior Citizen FD
- Tax Saving FD (5-year lock-in under Section 80C)
- Cumulative FD
- Non-Cumulative FD
- Special Tenure FD Schemes (limited-time offers)
Availability may vary in 2026.
Eligibility Criteria
✔ Resident Indian individuals
✔ Senior citizens
✔ Joint account holders
✔ HUF and institutions (subject to bank policy)
NRIs can check NRE/NRO FD schemes separately.
Documents Required
For existing customers with updated KYC:
- No additional documents are typically required.
For new customers:
- Aadhaar Card
- PAN Card (mandatory)
- Address Proof
- Passport-size photograph (for branch application)
How to Open YES Bank FD (Step-by-Step)
Method 1: Online via Mobile App (24×7)
- Open the YES Bank Mobile App.
- 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 confirmation is generated instantly.
Method 2: Via Net Banking
- Log in to YES Bank Net Banking.
- Navigate to the Fixed Deposits section.
- Enter details and confirm.
Method 3: Visit the Branch
- Fill the FD application form.
- Submit KYC documents.
- Deposit funds.
- Collect the FD receipt.
Branch timings may vary by location.
Taxation Rules (2026)
- Interest earned is taxable as per the income tax slab.
- TDS may apply if interest exceeds the prescribed limits.
- Tax-saving FDs qualify under Section 80C (up to ₹1.5 lakh per financial year).
Is YES Bank FD Safe?
YES Bank is regulated by the RBI.
Deposits up to ₹5 lakh per depositor, per bank, are insured under DICGC.
For large investments, consider diversification across banks.
Frequently Asked Questions (FAQs)
1. What is the highest FD rate in YES Bank in 2026?
A. Typically around 8.75% for regular customers, and higher for senior citizens, depending on tenure.
2. What is the minimum FD amount?
A. Usually ₹10,000, 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 booking available?
A. Yes, through mobile banking and net banking (24×7).
5. Is a loan against an FD available?
A. Yes, subject to bank rules.
Conclusion
YES Bank FD Interest Rates 2026 offer competitive returns across various tenures with added benefits for senior citizens. With fully digital booking, flexible payout options, and DICGC insurance coverage up to ₹5 lakh, YES Bank FDs remain a strong option for investors seeking stable returns.
Before investing, always confirm the latest interest rates through official YES Bank channels for accurate details.
