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Current Term Deposits

Fixed / NRO Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

7 Days – 14 Days

3.25 %

3.25 %

3.25 %

15 Days – 29 Days

3.25 %

3.25 %

3.25 %

30 Days – 90 Days

3.25 %

3.25 %

3.25 %

91 Days – 180 Days

3.50 %

3.50 %

3.50 %

181 Days – 364 Days

4.75 %

4.50 %

4.00 %

1 Year – 3 Years

5.75 %

5.25 %

4.75 %

3 Years – 5 Years

5.75 %

5.25 %

4.75 %

Cumulative Fixed / NRO Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

6 months – 1 year

4.75 %

4.50 %

4.00 %

1 year – 3 years

5.75 %

5.25 %

4.75 %

3 years – 5 years

5.75 %

5.25 %

4.75 %

Kal Flexi Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

15 Days – 181 Days

3.50 %

3.50 %

3.50 %

Kamdhenu Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

Fixed period of 3 Years

5.75 %

5.25 %

4.75 %

NRE Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

1 Year – 3 Years

5.75 %

5.25 %

4.75 %

3 Years – 5 Years

5.75 %

5.25 %

4.75 %

Kal Double Deposits

Below Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

(146 Months)

(159 Months)

(176 Months)

5.74 %

5.27 %

4.75 %

Non Callable Deposits

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

For Rs. 100.00 Lakh & above Deposits only

4.75 %

Deposits under section 80C of Income Tax

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

Regular Rate

5.75 %

Staff Rate

Kal Short Term Deposits

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

General/Sr.Citizen/Super Sr. Citizen

(Duration : 111 Days to 360 Days)

4.25%

4.00%

3.75%

Staff

NRO

Duration : 111 Days to 360 Days

4.25 %

4.00 %

3.75 %

Other matters as mentioned below are unchanged for Deposits:

  • Senior Citizen (i.e. having age of 60 years or more) will benefit of 0.50% higher interest rate on Deposits. However Deposits placed by Senior Citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
  • Super Senior Citizens (who have completed 75 years) will get additional benefit of 0.25% i.e. total benefit of 0.75% higher interest rate on Deposits. However Deposits placed by Super Senior citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
  • Senior Citizens and Super Senior Citizens will not get benefit of additional interest rate on Deposits having maturity of less than 1 year. This means that if Senior Citizen/ Super Senior Citizen want to avail benefit of additional interest rate on Deposits then they have to place deposit for 1 year & above.
  • Staff members will continue to get 1% additional interest on Term Deposits. If staff is Senior Citizen, he/she will continue to get additional interest benefit of 0.50% and super senior citizen will continue to get further interest benefit of 0.25%, subject to concerned staff having submitted declaration that money deposited belongs him / her only

*Conditions Apply