Bandhan Bank FD Interest Rate: Full Rate Chart & FD Guide

Key Takeaways
 

• Bandhan Bank FD offers flexible tenures from 7 days to 10 years, suitable for all types of investors.
   
• Senior citizens enjoy higher interest rates, earning up to 8.55% on selected tenures.
   
• It is a safe and reliable investment option that ensures steady growth with attractive returns.

Bandhan Bank FD interest rates offer customers attractive returns with flexible tenures ranging from 7 days to 10 years. These rates differ for regular and senior citizens, providing better earnings for the latter. 

For example, a 1-year Bandhan Bank FD currently offers 8.05% interest for regular customers and 8.55% for senior citizens, ensuring secure and steady growth. 

This blog explains the latest Bandhan Bank FD interest rates, features, and key benefits in detail.

Bandhan Bank FD Interest Rates 2025

Bandhan Bank FD offers a range of attractive interest rates in 2025, catering to both regular and senior citizens.

Details of FD interest rate & tenure are as below: 

Overall, Bandhan Bank FD provides competitive rates that make it a reliable choice for those seeking stable earnings from fixed deposits. Whether for short-term savings or long-term investment, Bandhan Bank FD ensures consistent returns with added benefits for senior citizens.

Bonus Tip:

According to the bank, your savings earn 3.00% interest per year on balances up to ₹100,000. If your balance goes above ₹100,000 and up to ₹1,000,000, the extra amount earns 6.00% interest per year. Any balance above ₹1,000,000 and up to ₹100,000,000 earns 7.00% interest per year, while higher slabs may earn 6.50% interest per year. Keeping a higher balance can help you earn better returns.

Types of Bandhan Bank FD Schemes

When it comes to secure and steady savings, Bandhan Bank FD offers a variety of fixed deposit schemes designed to meet different financial goals. 

Below are the different types of Bandhan Bank FD Schemes
 

1. Neo+ Digital Fixed Deposit
   A fully digital deposit option that allows customers to open an FD online through video KYC. It offers flexible tenures and is ideal for those who prefer a quick, paperless banking experience.
    
2. Standard Fixed Deposit
   This is the classic FD scheme offering a wide range of tenures and interest payout options. It also allows premature and partial withdrawals as per bank rules.
    
3. Premium Fixed Deposit
   Designed for high-value investors, this scheme provides enhanced interest rates for larger deposits while maintaining flexibility in tenure and withdrawal.
    
4. Tax Saver Fixed Deposit
   A popular choice for individuals seeking tax benefits under Section 80C. It comes with a lock-in period of 5 years, offering both security and savings.
    
5. Advantage Fixed Deposit
   This scheme reinvests the interest earned, helping your investment grow faster through compounding. It is available for tenures ranging from 6 months to 10 years.
    
6. Dhan Samriddhi Fixed Deposit
   A growth-oriented FD where the interest is compounded and reinvested to maximise returns. It suits investors planning for short-term goals such as travel or celebrations.

Bandhan Bank FD offers a wide range of schemes that cater to different investment needs, from digital users to high-value depositors and tax-conscious savers. Whether you aim for short-term security or long-term wealth creation, Bandhan Bank FD provides a dependable way to grow your money safely.

Features and Benefits of Bandhan Bank FD

Bandhan Bank FD comes with a range of features and Benefits designed to offer both flexibility and security to investors. Each fixed deposit scheme, whether digital, tax-saving, or premium, is crafted to meet specific financial goals while ensuring attractive returns and convenient management options.

Bandhan Bank FD combines safety, convenience, and profitability, making it a dependable choice for every type of investor. With flexible tenures, competitive interest rates, and easy accessibility, these schemes help you grow your savings confidently and efficiently.

Comparison of Bandhan Bank FD Rates with Other Banks

Fixed deposits remain a safe way to save and grow money. Different banks and finance companies in India offer varied FD interest rates, so it is important to compare before investing. The following table shows how Bandhan Bank FD rates stand against other major banks:

From this comparison, Bandhan Bank FD offers attractive returns, especially for senior citizens, making it a safe and rewarding investment option.

Eligibility Criteria and Required Documents for Bandhan Bank FD Interest Rates

To open a Bandhan Bank FD, applicants must meet certain eligibility requirements eligibility Criteria provide the necessary documents. These ensure a smooth and secure account opening process.

Eligibility Criteria
 

• The applicant must be a resident individual with a valid Aadhaar and PAN.
   
• The person should not be an existing Bandhan Bank customer.
   
• The applicant must be 18 years or older.
   
• The account opening process should be initiated from within India.
   
• Aadhaar must be linked to the mobile number used during the FD account opening.
   
• PAN and Aadhaar should be linked before applying.
   
• The applicant must allow location access while opening the account.
   
• A front camera-enabled device (mobile, laptop, or desktop) with microphone access is required for video KYC.
   

Required Documents
 

• Aadhaar card (for identity and address proof)
   
• PAN card (for tax identification)
   
• Recent passport-size photograph (if requested during the KYC process)

Opening a Bandhan Bank FD is simple and convenient, provided you meet the eligibility norms and have the required documents ready. With linked Aadhaar and PAN details and a quick online KYC process, Bandhan Bank FD ensures a smooth start to your secure investment journey.

Tax Implications on Bandhan Bank FD

Interest earned on a Bandhan Bank FD is taxable under the head “Income from Other Sources” and is added to your total income. It is then taxed as per your applicable income tax slab rate. Bandhan Bank FD attracts a 10% TDS if the annual interest exceeds ₹40,000 (₹50,000 for senior citizens), which increases to 20% if PAN is not provided. However, individuals below the taxable limit can submit Form 15G or 15H to avoid TDS deductions.

Bandhan Bank FD Premature Withdrawal and Closure Rules

Bandhan Bank FD offers flexibility to withdraw funds before maturity, but certain rules and penalties apply to maintain fairness and consistency. Understanding these conditions helps investors make informed decisions before closing their deposits early.
 

• Penalty: A 1% penalty is charged on the applicable interest rate for the actual duration the deposit was held with the bank.
   
• Interest Calculation: The interest is calculated at the lower of the contracted rate or the rate applicable for the tenure the deposit remained, minus the 1% penalty.
   
• Within 7 Days: If a Bandhan Bank FD is withdrawn within the first 7 days of opening, no interest is paid on the amount.
   
• Tax Saver FDs: These deposits have a fixed 5-year lock-in period and cannot be withdrawn prematurely, except under specific situations such as a court order or the account holder’s death.

Bandhan Bank FD allows premature withdrawals with a small penalty to ensure flexibility without compromising returns. However, customers should plan their investment duration carefully, as early withdrawals can affect overall earnings, especially within the first 7 days or for tax saver deposits.

How to Invest in Bandhan Bank FD?

You can open a Bandhan Bank FD easily through both online and offline methods.

Online Method
 

• Download the mBandhan appor log in to the Bandhan Bank NetBanking portal. 
   
• Go to the “Fixed Deposit” section under the deposits menu. 
   
• Choose the type of FD you want to open, such as a Standard FD or a Tax Saver FD. 
   
• Enter the deposit amount, tenure, and nominee details. 
   
• After reviewing the information, click “Submit” to complete the process.
   

Offline Method
 

• Visit your nearest Bandhan Bank branch and fill in the FD application form. 
   
• Submit the necessary documents, including your PAN card, address proof, and passport-size photos. 
   
• Provide the deposit amount through cash, cheque, or your linked savings account. 
   
• Once the application is processed, you will receive an FD receipt as confirmation.

Opening a Bandhan Bank FD is quick, secure, and ideal for earning fixed and reliable returns.

Conclusion

Bandhan Bank FD interest rates offer a balanced mix of attractive returns and flexible investment options for both regular and senior citizens. With tenures ranging from a few days to several years, investors can choose a plan that matches their financial goals. 

Whether for short-term savings or long-term growth, Bandhan Bank FD interest rates ensure steady earnings, safety, and reliability, making them a trusted choice for secure investments.

FAQ’s

1. What is the highest Bandhan Bank FD interest rate in 2025?
The highest Bandhan Bank FD interest rate in 2025 is 8.05% for regular citizens and 8.55% for senior citizens for a 1-year tenure.

2. What is the minimum tenure for a Bandhan Bank FD?
The minimum tenure is 7 days, and the maximum tenure goes up to 10 years.

3. Can I withdraw my Bandhan Bank FD before maturity?
Yes, you can withdraw early, but a 1% penalty applies to the applicable interest rate.

4. Are senior citizens offered higher Bandhan Bank FD interest rates?
Yes, senior citizens receive an additional 0.50% interest over regular rates.

5. Is a Bandhan Bank Tax Saver FD available?
Yes, Bandhan Bank offers a Tax Saver FD with a 5-year lock-in period and tax benefits under Section 80C of the Income Tax Act.
 

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