Home Savings Safe Accounts (HSS)/ Saving Accounts
The revised Saving Bank Deposit Rates applicable from 19.08.2025 are as under: -
|
Savings Deposits (Balance at end of the day) |
Existing rate w.e.f 10.08.2025 |
Revised rates w.e.f 19.08.2025 |
|
Up to <= Rs.10 Cr |
2.50% |
2.50% |
|
above Rs.10 Cr to Rs. <=100 Cr |
2.75% |
2.75% |
|
above Rs.100 Cr to Rs. <=250 Cr |
2.85% |
2.85% |
|
above Rs.250 Cr to Rs. <=500 Cr |
3.00% |
3.00% |
|
above Rs.500 Cr to Rs. <=1000 Cr |
3.50% |
3.50% |
|
above Rs.1000 Cr |
4.25% |
4.50% |
DOMESTIC TERM DEPOSIT INTEREST RATES % PER ANNUM
DOMESTIC TERM DEPOSIT INTEREST RATES % PER ANNUM W.E.F 10.08.2025
| Maturity Period | Rates for Deposits less than Rs. 3 Crore | |||
|---|---|---|---|---|
| General Public | Senior Citizen | |||
| Rates w.e.f. 10.08.2025 | Annualised yield | Rates w.e.f. 10.08.2025 | 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 | 6.50% | 6.66% | 7.00% | 7.19% |
| 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. 10.08.2025 | Annualised yield | Rates w.e.f. 10.08.2025 | 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 | 6.50% | 6.66% | 7.00% | 7.19% |
| 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
| Callable | ||||
|---|---|---|---|---|
| Period (days) | General Public | Senior Citizen | ||
| Period (days) | Revised Rates w.e.f. 10.08.2025 | Annualised yield | Revised Rates w.e.f. 10.08.2025 | Annualised yield |
| 444 | 6.60% | 6.77% | 7.10% | 7.29% |
| Non-Callable (Deposits above Rs 1Cr) | ||||
|---|---|---|---|---|
| Period (days) | General Public | Senior Citizen | ||
| Period (days) | Revised Rates w.e.f. 10.08.2025 | Annualised yield | Revised Rates w.e.f. 10.08.2025 | Annualised yield |
| 444 | 6.70% | 6.87% | 7.20% | 7.40% |
| Callable | ||||
|---|---|---|---|---|
| Period (days) | General Public | Senior Citizen | ||
| Period (days) | Revised Rates w.e.f. 10.08.2025 | Annualised yield | Revised Rates w.e.f. 10.08.2025 | Annualised yield |
| 555 | 6.60% | 6.77% | 7.10% | 7.29% |
| Period (days) | Scheme Discontinued w.e.f 10.08.2025 (Including Callable & Non – Callable) |
|---|---|
| 999 |
| Non-Callable (Deposits above Rs 1Cr) | ||||
|---|---|---|---|---|
| Period (days) | General Public | Senior Citizen | ||
| Period (days) | Revised Rates w.e.f. 10.08.2025 | Annualised yield | Revised Rates w.e.f. 10.08.2025 | Annualised yield |
| 555 | 6.70% | 6.87% | 7.20% | 7.40% |
| Period (days) | Scheme Discontinued w.e.f 10.08.2025 (Including Callable & Non – Callable) |
|---|---|
| 999 |
Cent Garima Deposit Scheme
| Period (days) | Scheme Discontinued w.e.f 10.08.2025 |
|---|---|
| 777 |
CENT GREEN DEPOSIT
| Period (days) | 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 |
| 1111 | 6.75% | 6.92% | 7.25% | 7.45% |
| 2222 | 7.00% | 7.19% | 7.50% | 7.71% |
| 3333 | 7.00% | 7.19% | 7.50% | 7.71% |
CENT FLOATING DEPOSIT
| Period (days) | General Public | Senior Citizen | ||
|---|---|---|---|---|
| Period (days) | Existing Rates w.e.f. 10.06.2025 | Annualised yield | Existing Rates w.e.f. 10.06.2025 | Annualised yield |
| 1 yr to less than 2 yrs | 5.80% | 5.93% | 6.30% | 6.45% |
| 2 yr to less than 3 yrs | 5.85% | 5.98% | 6.35% | 6.50% |
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.