{"id":10628,"date":"2026-02-20T10:48:34","date_gmt":"2026-02-20T10:48:34","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10628"},"modified":"2026-02-20T10:48:34","modified_gmt":"2026-02-20T10:48:34","slug":"federal-fd-interest-rates-2026-latest-federal-bank-fixed-deposit-rates","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/federal-fd-interest-rates-2026-latest-federal-bank-fixed-deposit-rates\/","title":{"rendered":"Federal FD Interest Rates 2026 \u2013 Latest Federal Bank Fixed Deposit Rates"},"content":{"rendered":"\n

Federal Bank continues to offer competitive Fixed Deposit (FD) interest rates in 2026<\/strong>, making it a preferred option for investors seeking stable, predictable returns.<\/p>\n\n\n\n

If you\u2019re planning to invest in a Federal Bank FD, here\u2019s a complete guide covering the latest interest rates, features, eligibility, and how to open an FD step-by-step.<\/p>\n\n\n\n

Federal 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% higher<\/strong><\/td><\/tr>
Super Senior Citizens (if applicable)<\/td>Additional benefit (as per policy)<\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, Half-Yearly, Annually, or on Maturity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Interest rates may change periodically. Always confirm the latest rate via Federal Bank\u2019s mobile app or at a branch before investing.<\/p>\n\n\n\n

Federal Bank FD Interest Rates 2026 (Indicative \u2013 Tenure Wise)<\/h1>\n\n\n\n
Tenure<\/th>Regular Rate<\/th>Senior Citizen Rate<\/th><\/tr><\/thead>
7 \u2013 14 days<\/td>6.00%<\/td>6.50%<\/td><\/tr>
15 \u2013 29 days<\/td>6.25%<\/td>6.75%<\/td><\/tr>
30 \u2013 90 days<\/td>6.75%<\/td>7.25%<\/td><\/tr>
91 \u2013 180 days<\/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 based on deposit amount and bank policy.<\/em><\/p>\n\n\n\n

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

If you invest \u20b91,00,000 for 2 years at 8.25% (cumulative option)<\/strong>:<\/p>\n\n\n\n

    \n
  • Estimated Interest Earned: \u20b917,000 \u2013 \u20b918,000<\/li>\n\n\n\n
  • Total Maturity Amount: Around \u20b91,17,000 \u2013 \u20b91,18,000<\/li>\n<\/ul>\n\n\n\n

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

    You can use the FD calculator available in Federal Bank\u2019s net banking or mobile banking app for precise calculations.<\/p>\n\n\n\n

    Key Features of Federal Bank Fixed Deposit<\/h1>\n\n\n\n

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

    Choose tenure 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 or older usually receive an additional interest benefit.<\/p>\n\n\n\n

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

    Loan or overdraft facility available up to 75%\u201390% of FD value.<\/p>\n\n\n\n

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

    Allowed with a penalty as per the bank policy.<\/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 (interest paid at maturity)<\/li>\n<\/ul>\n\n\n\n

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

      Federal 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
      • Special tenure deposit schemes (limited-time offers)<\/li>\n<\/ul>\n\n\n\n

        Availability may vary in 2026.<\/p>\n\n\n\n

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

        Resident Indian individuals
        Senior citizens
        Joint account holders
        HUF and institutions (as per policy)<\/p>\n\n\n\n

        NRIs can check NRE\/NRO\/FCNR 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
        • No additional documents are typically 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 applications)<\/li>\n<\/ul>\n\n\n\n

            How to Open a Federal 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 Federal 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 will be generated instantly.<\/p>\n\n\n\n

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

                Method 3: Visit Nearest 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 funds 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 a deduction under Section 80C (up to \u20b91.5 lakh per financial year).<\/li>\n<\/ul>\n\n\n\n

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

                    Federal Bank is regulated by RBI.<\/p>\n\n\n\n

                    Deposits up to \u20b95 lakh per depositor<\/strong>, per bank,<\/strong>\u00a0are insured under DICGC<\/span>.<\/p>\n\n\n\n

                    For large deposits, consider spreading funds across multiple 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 Federal Bank in 2026?<\/h3>\n
                    \n\n

                    A. Typically around 8.50% for regular customers, with higher rates for senior citizens depending on tenure.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

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

                    A. Usually \u20b91,000.<\/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 booking available?<\/h3>\n
                    \n\n

                    A. Yes, via net banking and mobile banking (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 rules.<\/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 net banking\/app.<\/li>\n\n\n\n
                    • Refresh or log in again.<\/li>\n\n\n\n
                    • Verify transaction history.<\/li>\n\n\n\n
                    • Contact customer care or visit the branch if required.<\/li>\n<\/ul>\n\n\n\n

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

                      Federal FD Interest Rates 2026<\/strong> offer competitive returns across short and medium-term tenures, especially for senior citizens. With flexible payout options, online booking facilities, and DICGC insurance coverage up to \u20b95 lakh, Federal Bank FDs remain a reliable option for conservative investors.<\/p>\n\n\n\n

                      Before investing, always confirm the latest interest rates through official Federal Bank channels for accurate details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10628","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10628","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=10628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}