Rates as published on 15 September 2026
Deposit & loan interest rates
All rates in one place. Tap a scheme name to see its full details.
Deposit rates
+0.50% extra
Rates can change
Everyday savings
- Savings Account
Any time
2.50%
- Daily Savings Deposit
6 months to 1 year
3.00%
1 year and moreHighest rate
5.00%
Lump-sum investment (fixed deposits)
- Short-Term Deposit
30 to 45 days
6.00%
46 to 90 days
6.25%
91 to 180 days
6.50%
181 to 364 daysHighest rate
7.00%
- Fixed Deposit (FD)
1 year to under 2 years
7.50%*
Senior citizen rate8.00%
2 years to under 3 years
8.25%*
Senior citizen rate8.75%
3 years and moreHighest rate
8.50%*
Senior citizen rate9.00%
- Double Money Deposit
102 months (8 years 6 months)
8.24%
Monthly interest income
- Monthly Income Deposit
1 year to under 2 years
7.50%*
Senior citizen rate8.00%
2 years to under 3 years
8.25%*
Senior citizen rate8.75%
3 years to under 4 years
8.50%*
Senior citizen rate9.00%
Parijat Monthly Income Scheme
25 monthsHighest rate
9.25%
Special fixed-deposit schemes
- Mangalmurti Deposit
127 days
7.15%
- Samruddhi Deposit
13 months
8.25%
- Raghunandan Deposit
18 months
8.75%
- Vithu Mauli Deposit
25 months
9.25%
Monthly saving (recurring deposits)
- Recurring Deposit (RD)
12 months
7.50%
24 months
8.00%
36 monthsHighest rate
8.50%
48 monthsHighest rate
8.50%
- Shubhlakshmi Deposit
36 months
6.93%
- Monthly instalment
- ₹1,250
- Total paid in
- ₹45,000
- Interest
- ₹5,000
You receive at the end₹50,000
36 months
6.93%
- Monthly instalment
- ₹2,500
- Total paid in
- ₹90,000
- Interest
- ₹10,000
You receive at the end₹1,00,000
36 months
6.93%
- Monthly instalment
- ₹5,000
- Total paid in
- ₹1,80,000
- Interest
- ₹20,000
You receive at the end₹2,00,000
- Shubhkarya Deposit
66 months
9.41%
- Monthly instalment
- ₹300
- Total paid in
- ₹19,800
- Interest
- ₹5,200
You receive at the end₹25,000
66 months
9.41%
- Monthly instalment
- ₹600
- Total paid in
- ₹39,600
- Interest
- ₹10,400
You receive at the end₹50,000
66 months
9.41%
- Monthly instalment
- ₹900
- Total paid in
- ₹59,400
- Interest
- ₹15,600
You receive at the end₹75,000
66 months
9.41%
- Monthly instalment
- ₹1,200
- Total paid in
- ₹79,200
- Interest
- ₹20,800
You receive at the end₹1,00,000
- Shubhsankalp Deposit
120 months
7.14%
- Monthly instalment
- ₹1,200
- Total paid in
- ₹1,44,000
- Interest
- ₹66,000
You receive at the end₹2,10,000
120 months
7.14%
- Monthly instalment
- ₹2,400
- Total paid in
- ₹2,88,000
- Interest
- ₹1,32,000
You receive at the end₹4,20,000
120 months
7.14%
- Monthly instalment
- ₹3,600
- Total paid in
- ₹4,32,000
- Interest
- ₹1,98,000
You receive at the end₹6,30,000
120 months
7.14%
- Monthly instalment
- ₹4,800
- Total paid in
- ₹5,76,000
- Interest
- ₹2,64,000
You receive at the end₹8,40,000
120 months
7.14%
- Monthly instalment
- ₹6,000
- Total paid in
- ₹7,20,000
- Interest
- ₹3,30,000
You receive at the end₹10,50,000
Loan rates
- Home Loanup to ₹50,00,000 · Up to 180 months (15 years)11.00%
- Property Mortgage Loanup to ₹75,00,000 · Up to 144 months (12 years)12.50%
- Business Loanup to ₹50,00,000 · Up to 84 months (7 years)12.75%
- Vehicle Loanup to ₹50,00,000 · Up to 84 months (7 years)13.00%
- Gold Loanup to ₹50,00,000 · Up to 12 months6.00%
- Loan against LIC / KVP / NSCup to ₹15,00,000 · Up to 12 months12.00%
- Personal Loanup to ₹1,00,000 · Up to 60 months (5 years)15.00%
Rates can change from time to time.