Interest Rate on Deposit

Home Savings Safe Accounts (HSS)/ Saving Accounts

The revised Saving Bank Deposit Rates will be applicable from 10.07.2025 are as under: -

Savings Deposits-Revised Buckets (Balance at end of the day)	Existing rate w.e.f 10.06.2025	Revised rates w.e.f 10.07.2025
Up to <= Rs.10 Cr	2.70%	2.60%
above Rs.10 Cr to Rs. <=100 Cr	3.00%	3.00%
above Rs.100 Cr to Rs. <=250 Cr	3.10%	3.10%
above Rs.250 Cr to Rs. <=500 Cr	3.25%	3.25%
above Rs.500 Cr to Rs. <=1000 Cr	3.75%	3.75%
above Rs.1000 Cr	4.50%	4.50%

DOMESTIC TERM DEPOSIT INTEREST RATES % PER ANNUM

DOMESTIC TERM DEPOSIT INTEREST RATES % PER ANNUM W.E.F 10.07.2025

Maturity Period	Rates for Deposits less than Rs. 3 Crore
	General Public		Senior Citizen
	Rates w.e.f. 10.07.2025	Annualised yield	Rates w.e.f. 10.07.2025	Annualised yield
7 -14 days	3.50%	3.50%	4.00%	4.00%
15 – 30 days	3.75%	3.75%	4.25%	4.25%
31 - 45 days	3.75%	3.75%	4.25%	4.25%
46 – 59 days	4.50%	4.50%	5.00%	5.00%
60 – 90 days	4.50%	4.50%	5.00%	5.00%
91 – 179 days	5.00%	5.00%	5.50%	5.50%
180 – 270 days	5.50%	5.61%	6.00%	6.14%
271 – 364 days	5.50%	5.61%	6.00%	6.14%
1 yr to less than 2 yrs	6.60%	6.77%	7.10%	7.29%
2 yr to less than 3 years	6.70%	6.87%	7.20%	7.40%
3 yr to less than 5 years	6.50%	6.66%	7.00%	7.19%
5 years & above upto 10 years	6.50%	6.66%	7.00%	7.19%

Maturity Period	Rates for Deposits Rs. 3 Cr to Rs. 10 Cr
	General Public		Senior Citizen
	Rates w.e.f. 10.07.2025	Annualised yield	Rates w.e.f. 10.07.2025	Annualised yield
7 -14 days	4.50%	4.50%	5.00%	5.00%
15 – 30 days	4.50%	4.50%	5.00%	5.00%
31 - 45 days	4.50%	4.50%	5.00%	5.00%
46 – 59 days	5.00%	5.00%	5.50%	5.50%
60 – 90 days	5.25%	5.25%	5.75%	5.75%
91 – 179 days	5.25%	5.25%	5.75%	5.75%
180 – 270 days	5.50%	5.61%	6.00%	6.14%
271 – 364 days	5.50%	5.61%	6.00%	6.14%
1 yr to less than 2 yrs	6.60%	6.77%	7.10%	7.29%
2 yr to less than 3 years	6.70%	6.87%	7.20%	7.40%
3 yr to less than 5 years	6.50%	6.66%	7.00%	7.19%
5 years & above upto 10 years	6.50%	6.66%	7.00%	7.19%

SPECIAL TERM DEPOSIT INTEREST RATES % PER ANNUM

Non-Callable

(Deposits above Rs 1Cr)

General Public

Senior Citizen

Period (days)

Revised Rates w.e.f. 10.07.2025

Annualised yield

Revised Rates w.e.f. 10.07.2025

Annualised yield

444

6.80%

6.98%

7.30%

7.50%

Non-Callable (Deposits above Rs 1Cr)	General Public		Senior Citizen
Period (days)	Revised Rates w.e.f. 10.07.2025	Annualised yield	Revised Rates w.e.f. 10.07.2025	Annualised yield
555	6.80%	6.98%	7.30%	7.50%
Period (days)	Existing ROI w.e.f 10.06.2025	Annualised yield	Existing ROI w.e.f 10.06.2025	Annualised yield
999	6.60%	6.77%	7.10%	7.29%

Cent Garima Deposit Scheme

Deposit Rates for above Rs.10 crore are available from Treasury Department CO

Note -

An additional interest rate of 0.50% p.a. over and above the normal rate of interest for any of our Time Deposit Schemes & also for Tax Saver Depositors Scheme will be given as incentive for deposits of Senior Citizens who are above 60 years of age.
The deposits under non-callable scheme will attract additional rate of interest as below:

Senior Citizen – 0.50%

Super Senior Citizen- 0.75% (A super senior citizen is an individual resident who is 80 years or above.

Staff- 1%

Senior Citizen Ex Staff- 1.50%

Super-Senior citizen Ex-Staff-1.75%

Penal interest at the rate of 1% will be charged on premature withdrawal of time deposits irrespective of the amount.
No penalty will be levied on premature renewal of deposits provided the deposits are renewed for a period longer than remaining period of the original contract.
No Premature withdrawal is allowed for non-callable deposits, however under certain exceptions if premature withdrawal is allowed, then the deposit will be treated as Callable Term Deposit. Other Terms and conditions are applicable as per the existing deposit policy of the Bank.
The revised rates shall also be applicable to Capital Gains Accounts Scheme, 1988.
The revised interest rates shall be applicable to fresh deposits as well as on renewal of deposits.