{"id":10608,"date":"2026-02-20T09:29:24","date_gmt":"2026-02-20T09:29:24","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10608"},"modified":"2026-02-20T10:31:27","modified_gmt":"2026-02-20T10:31:27","slug":"bandhan-bank-fixed-deposit-fd-interest-rates-2026-latest-rates-features-calculator","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/bandhan-bank-fixed-deposit-fd-interest-rates-2026-latest-rates-features-calculator\/","title":{"rendered":"Bandhan Bank Fixed Deposit (FD) Interest Rates 2026 \u2013 Latest Rates, Features & Calculator"},"content":{"rendered":"\n

Looking to invest in a safe and stable option this year? Bandhan Bank Fixed Deposit (FD) interest rates in 2026<\/strong> are competitive, especially for mid-term tenures and senior citizens.<\/p>\n\n\n\n

Here\u2019s a complete, easy-to-understand guide covering the latest FD rates, features, eligibility, and how to open an FD step-by-step.<\/p>\n\n\n\n

Bandhan Bank FD Interest Rates 2026 \u2013 Quick Overview<\/h2>\n\n\n\n
Category<\/th>Interest Rate (Per Annum)<\/th><\/tr><\/thead>
Regular Customers<\/td>Typically 6.00% \u2013 8.50%<\/strong><\/td><\/tr>
Senior Citizens<\/td>Up to 0.50% extra<\/strong><\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 (may vary by scheme)<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, Half-Yearly, Yearly, or on Maturity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

FD rates may change periodically. Always check the Bandhan Bank mobile app or branch before investing.<\/p>\n\n\n\n

Bandhan Bank FD Interest Rates 2026 (Tenure-Wise \u2013 Indicative)<\/h1>\n\n\n\n
Tenure<\/th>Regular Rate<\/th>Senior Citizen Rate<\/th><\/tr><\/thead>
7 \u2013 30 days<\/td>6.00%<\/td>6.50%<\/td><\/tr>
31 \u2013 90 days<\/td>6.50%<\/td>7.00%<\/td><\/tr>
3 \u2013 6 months<\/td>7.00%<\/td>7.50%<\/td><\/tr>
6 \u2013 12 months<\/td>7.50%<\/td>8.00%<\/td><\/tr>
1 \u2013 2 years<\/td>8.00%<\/td>8.50%<\/td><\/tr>
2 \u2013 3 years<\/td>8.25%<\/td>8.75%<\/td><\/tr>
3 \u2013 5 years<\/td>8.50%<\/td>9.00%<\/td><\/tr>
5 \u2013 10 years<\/td>7.25%<\/td>7.75%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary depending on deposit size and bank policy.<\/em><\/p>\n\n\n\n

Example \u2013 FD Maturity Calculation<\/h1>\n\n\n\n

If you invest \u20b92,00,000 for 2 years at 8.25% (cumulative)<\/strong>:<\/p>\n\n\n\n

    \n
  • Approximate Interest Earned: \u20b934,000 \u2013 \u20b936,000<\/li>\n\n\n\n
  • Total Maturity Amount: Around \u20b92,34,000 \u2013 \u20b92,36,000<\/li>\n<\/ul>\n\n\n\n

    The actual maturity value depends on the compounding frequency (typically quarterly).<\/p>\n\n\n\n

    You can use the FD calculator available on Bandhan Bank Net Banking or the mobile app to get exact figures.<\/p>\n\n\n\n

    Key Features of Bandhan Bank FD<\/h1>\n\n\n\n

    Flexible Tenure Options<\/h2>\n\n\n\n

    Choose from 7 days up to 10 years.<\/p>\n\n\n\n

    Higher Interest for Senior Citizens<\/h2>\n\n\n\n

    Customers aged 60+ years usually receive an additional 0.50% interest.<\/p>\n\n\n\n

    Loan Against FD<\/h2>\n\n\n\n

    Loan\/overdraft facility available up to 75%\u201390% of FD value (as per policy).<\/p>\n\n\n\n

    Premature Withdrawal<\/h2>\n\n\n\n

    Allowed with penalty charges as per bank rules.<\/p>\n\n\n\n

    Multiple Interest Payout Options<\/h2>\n\n\n\n
      \n
    • Monthly<\/li>\n\n\n\n
    • Quarterly<\/li>\n\n\n\n
    • Half-Yearly<\/li>\n\n\n\n
    • Annual<\/li>\n\n\n\n
    • Cumulative (paid at maturity)<\/li>\n<\/ul>\n\n\n\n

      Types of FD Schemes Available<\/h1>\n\n\n\n

      Bandhan Bank may offer:<\/p>\n\n\n\n

        \n
      • Regular Fixed Deposit<\/li>\n\n\n\n
      • Senior Citizen FD<\/li>\n\n\n\n
      • Tax Saving FD (5-year lock-in under Section 80C)<\/li>\n\n\n\n
      • Cumulative FD<\/li>\n\n\n\n
      • Non-Cumulative FD<\/li>\n\n\n\n
      • Recurring Deposit (RD)<\/li>\n<\/ul>\n\n\n\n

        Scheme availability may vary in 2026.<\/p>\n\n\n\n

        Eligibility Criteria<\/h1>\n\n\n\n

        \u2714 Resident Indian individuals
        \u2714 Senior citizens
        \u2714 Joint account holders
        \u2714 HUF and institutions (subject to bank approval)<\/p>\n\n\n\n

        NRIs should check NRE\/NRO FD options separately.<\/p>\n\n\n\n

        Documents Required<\/h1>\n\n\n\n

        For existing customers with updated KYC:<\/p>\n\n\n\n

          \n
        • Usually, no additional documents are required.<\/li>\n<\/ul>\n\n\n\n

          For new customers:<\/p>\n\n\n\n

            \n
          • Aadhaar Card<\/li>\n\n\n\n
          • PAN Card (mandatory)<\/li>\n\n\n\n
          • Address Proof<\/li>\n\n\n\n
          • Passport-size photograph (for branch application)<\/li>\n<\/ul>\n\n\n\n

            How to Open Bandhan Bank FD (Step-by-Step)<\/h1>\n\n\n\n

            Method 1: Online via Net Banking (24×7)<\/h2>\n\n\n\n
              \n
            1. Log in to Bandhan Bank Net Banking.<\/li>\n\n\n\n
            2. Go to Deposits \u2192 Open FD<\/strong>.<\/li>\n\n\n\n
            3. Enter the deposit amount and select the tenure.<\/li>\n\n\n\n
            4. Choose the interest payout option.<\/li>\n\n\n\n
            5. Confirm nominee details.<\/li>\n\n\n\n
            6. Submit using OTP authentication.<\/li>\n<\/ol>\n\n\n\n

              FD receipt is generated instantly.<\/p>\n\n\n\n

              Method 2: Through Mobile Banking App<\/h2>\n\n\n\n
                \n
              1. Open Bandhan Bank Mobile App.<\/li>\n\n\n\n
              2. Select Fixed Deposit<\/strong>.<\/li>\n\n\n\n
              3. Enter details and confirm.<\/li>\n<\/ol>\n\n\n\n

                Method 3: Visit the Branch<\/h2>\n\n\n\n
                  \n
                1. Fill the FD application form.<\/li>\n\n\n\n
                2. Submit KYC documents.<\/li>\n\n\n\n
                3. Deposit amount via cheque or transfer.<\/li>\n\n\n\n
                4. Collect the FD receipt.<\/li>\n<\/ol>\n\n\n\n

                  Branch timings may vary by location.<\/p>\n\n\n\n

                  Taxation Rules (2026)<\/h1>\n\n\n\n
                    \n
                  • Interest earned is taxable as per your income tax slab.<\/li>\n\n\n\n
                  • TDS may apply if interest exceeds the prescribed limits.<\/li>\n\n\n\n
                  • Tax Saving FD qualifies for deduction under Section 80C (up to \u20b91.5 lakh per financial year, as per current rules).<\/li>\n<\/ul>\n\n\n\n

                    Is Bandhan Bank FD Safe?<\/h1>\n\n\n\n

                    Bandhan Bank is regulated by the Reserve Bank of India (RBI).<\/p>\n\n\n\n

                    Deposits up to \u20b95 lakh per depositor a<\/span><\/strong>nd per bank<\/strong> are insured under DICGC<\/span>.<\/p>\n\n\n\n

                    For investments above \u20b95 lakh, consider diversifying across banks.<\/p>\n\n\n\n

                    Frequently Asked Questions (FAQs)<\/h1>\n\n\n
                    \n
                    \n
                    \n

                    1. What is the highest FD rate in Bandhan Bank in 2026?<\/h3>\n
                    \n\n

                    A. Typically up to 8.50% for regular customers, and higher for senior citizens, depending on tenure.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    2. What is the minimum FD amount?<\/h3>\n
                    \n\n

                    A. Usually \u20b91,000, but may vary by scheme.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    3. Can I withdraw FD before maturity?<\/h3>\n
                    \n\n

                    A. Yes, premature withdrawal is allowed, but there is a penalty.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    4. Is online FD opening available?<\/h3>\n
                    \n\n

                    A. Yes, through net banking and mobile app (24×7).<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    5. Is a loan against an FD available?<\/h3>\n
                    \n\n

                    A. Yes, subject to bank policy and margin requirements.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                    Troubleshooting FD Issues<\/h1>\n\n\n\n

                    If your FD is not visible:<\/p>\n\n\n\n

                      \n
                    • Check the \u201cDeposits\u201d section in app\/net banking.<\/li>\n\n\n\n
                    • Refresh or re-login.<\/li>\n\n\n\n
                    • Verify transaction status.<\/li>\n\n\n\n
                    • Contact customer care or visit a branch if needed.<\/li>\n<\/ul>\n\n\n\n

                      Conclusion<\/h1>\n\n\n\n

                      Bandhan Bank FD Interest Rates 2026<\/strong> 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.<\/p>\n\n\n\n

                      Before investing, always confirm the latest interest rate in the Bandhan Bank app or nearest branch for accurate details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10608","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}