{"id":10668,"date":"2026-02-23T10:35:44","date_gmt":"2026-02-23T10:35:44","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10668"},"modified":"2026-02-23T10:35:44","modified_gmt":"2026-02-23T10:35:44","slug":"cbi-fd-interest-rates-2026-latest-central-bank-of-india-fixed-deposit-rates","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/cbi-fd-interest-rates-2026-latest-central-bank-of-india-fixed-deposit-rates\/","title":{"rendered":"CBI FD Interest Rates 2026 \u2013 Latest Central Bank of India Fixed Deposit Rates"},"content":{"rendered":"\n

Central Bank of India (CBI), a public sector bank, offers secure and flexible Fixed Deposit (FD)<\/strong> schemes in 2026 for investors looking for guaranteed returns. With competitive tenure options and senior citizen benefits, CBI FDs are suitable for both short-term and long-term savings.<\/p>\n\n\n\n

Here\u2019s a detailed guide covering the latest Central Bank of India FD interest rates, features, eligibility, and how to open an FD.<\/p>\n\n\n\n

Central Bank of India 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 7.75%<\/strong><\/td><\/tr>
Senior Citizens<\/td>Up to 0.50% higher<\/strong><\/td><\/tr>
Super Senior Citizens (if applicable)<\/td>Additional benefit as per the bank 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

FD interest rates may change periodically. Always confirm the latest rates via Central Bank of India Net Banking, mobile app, or branch before investing.<\/p>\n\n\n\n

Central Bank of India 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>6.50%<\/td>7.00%<\/td><\/tr>
91 \u2013 180 days<\/td>6.75%<\/td>7.25%<\/td><\/tr>
6 \u2013 12 months<\/td>7.00%<\/td>7.50%<\/td><\/tr>
1 \u2013 2 years<\/td>7.25%<\/td>7.75%<\/td><\/tr>
2 \u2013 3 years<\/td>7.50%<\/td>8.00%<\/td><\/tr>
3 \u2013 5 years<\/td>7.75%<\/td>8.25%<\/td><\/tr>
5 \u2013 10 years<\/td>6.75%<\/td>7.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary based on deposit amount and scheme.<\/em><\/p>\n\n\n\n

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

If you invest \u20b92,00,000 for 3 years at 7.75% (cumulative option)<\/strong>:<\/p>\n\n\n\n

    \n
  • Estimated Interest Earned: \u20b950,000 \u2013 \u20b954,000<\/li>\n\n\n\n
  • Total Maturity Amount: Around \u20b92,50,000 \u2013 \u20b92,54,000<\/li>\n<\/ul>\n\n\n\n

    Actual returns depend on quarterly compounding.<\/p>\n\n\n\n

    You can calculate the exact maturity value using the FD calculator available in the Central Bank of India\u2019s online banking portal.<\/p>\n\n\n\n

    Key Features of Central Bank of India FD<\/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

    Senior Citizen Extra Interest<\/h2>\n\n\n\n

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

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

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

    Premature Withdrawal Facility<\/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 (interest paid at maturity)<\/li>\n<\/ul>\n\n\n\n

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

      Central Bank of India 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 Term 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

        \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 can check NRE\/NRO FD schemes 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 application)<\/li>\n<\/ul>\n\n\n\n

            How to Open Central Bank of India 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 Central Bank of India Net Banking.<\/li>\n\n\n\n
            2. Go to Deposits \u2192 Open Fixed Deposit<\/strong>.<\/li>\n\n\n\n
            3. Enter the deposit amount and choose the tenure.<\/li>\n\n\n\n
            4. Select 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 confirmation will be generated instantly.<\/p>\n\n\n\n

              Method 2: Through Mobile Banking App<\/h2>\n\n\n\n
                \n
              1. Open the Central Bank of India 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 FDs qualify under Section 80C (up to \u20b91.5 lakh per financial year).<\/li>\n<\/ul>\n\n\n\n

                    Is the Central Bank of India FD Safe?<\/h1>\n\n\n\n

                    The Central Bank of India is a public sector bank regulated by the 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

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

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

                    A. Typically around 7.75% 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.<\/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 with 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 policy.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

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

                    CBI FD Interest Rates 2026<\/strong> offer stable, reliable returns, flexible tenure options, and senior citizen benefits. Backed by public sector trust and DICGC insurance coverage up to \u20b95 lakh, Central Bank of India FDs remain a safe investment option for conservative investors.<\/p>\n\n\n\n

                    Before investing, always confirm the latest rates through official Central Bank of India channels to ensure accurate details.<\/p>\n\n\n\n

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