{"id":8308,"date":"2025-08-12T09:32:24","date_gmt":"2025-08-12T09:32:24","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=8308"},"modified":"2025-08-12T09:32:25","modified_gmt":"2025-08-12T09:32:25","slug":"indian-overseas-bank-fixed-deposit-fd-interest-rates-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/indian-overseas-bank-fixed-deposit-fd-interest-rates-2025\/","title":{"rendered":"Indian Overseas Bank Fixed Deposit (FD) Interest Rates\u00a02025"},"content":{"rendered":"\n<p>Indian Overseas Bank (IOB) offers FDs with tenures from 7\u00a0days to 10\u00a0years. For deposits below \u20b92\u00a0crore, rates around mid\u20112025 varied from <strong>4.00\u00a0% to 7.30\u00a0%<\/strong>. The highest rate of <strong>7.30\u00a0%<\/strong> was offered on the <strong>444\u2011day<\/strong> special deposit. IOB offers higher rates to senior citizens and provides an additional 0.25\u00a0% to super senior citizens.<\/p>\n\n\n\n<h2 id='indian-overseas-bank-fd-rates-deposits-<\u20b92-crore'  id=\"boomdevs_1\" class=\"wp-block-heading\">Indian Overseas Bank FD Rates (Deposits &lt;\u20b92&nbsp;Crore)<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tenure<\/th><th>General rate<\/th><th>Senior citizen rate<\/th><\/tr><\/thead><tbody><tr><td>7&nbsp;days&nbsp;\u2013&nbsp;45&nbsp;days<\/td><td>4.00\u00a0%<\/td><td>4.50&nbsp;%<\/td><\/tr><tr><td>180&nbsp;days&nbsp;\u2013&nbsp;364&nbsp;days<\/td><td>5.75\u00a0%<\/td><td>6.25&nbsp;%<\/td><\/tr><tr><td>1&nbsp;year&nbsp;\u2013&nbsp;&lt;2&nbsp;years<\/td><td>6.90\u00a0%<\/td><td>7.40&nbsp;%<\/td><\/tr><tr><td>444&nbsp;days (special)<\/td><td><strong>7.30\u00a0%<\/strong><\/td><td><strong>7.80&nbsp;%<\/strong><\/td><\/tr><tr><td>2&nbsp;years&nbsp;\u2013&nbsp;3&nbsp;years<\/td><td>6.50\u00a0%<\/td><td>7.00&nbsp;%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Always check the bank\u2019s official website for current rates and details about premature withdrawal penalties before investing.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-8308","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/8308","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=8308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}