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Big opportunity for senior citizens! This bank is offering up to 7.95% interest on FDs, leaving major banks behind.

Siddhi Jain | June 25, 2026 12:15 AM CST

Bandhan Bank Raises FD Rates: Senior Citizens Can Earn Up to 7.95% Interest

Fixed deposit investors have received fresh encouragement as Bandhan Bank has revised its fixed deposit (FD) interest rates, offering higher returns on select tenures. The latest revision makes the bank one of the more attractive options for savers, particularly senior citizens seeking stable and higher-income investments.

Under the revised structure, senior citizens can now earn up to 7.95% annual interest on specific FD tenures, while regular customers can receive up to 7.45%.

Highest Returns Available on 2–3 Year Deposits

Bandhan Bank has increased interest rates by 20 basis points (0.20%) on fixed deposits with tenures ranging from two years to less than three years.

Following the revision:

Senior citizens: 7.95%
General customers: 7.45%

This category currently offers the highest FD return available from the bank.

Revised Fixed Deposit Interest Rates

FD Tenure	Senior Citizens	General Customers
1 Year to Less Than 2 Years	7.50%	7.00%
2 Years to Less Than 3 Years	7.95%	7.45%
3 Years to Less Than 5 Years	7.75%	7.25%
5 Years to 10 Years	6.60%	5.85%

The revised rates are designed to offer competitive returns across various investment horizons while catering to different customer segments.

Attractive Interest on Savings Accounts Too

Apart from fixed deposits, Bandhan Bank is also offering competitive returns on savings account balances.

Customers maintaining balances above ₹5 lakh and up to ₹10 lakh can earn interest at the rate of 6.5% per annum, making it an appealing option for those who prefer liquidity along with higher returns.

Book an FD Online in Minutes

The bank has simplified the investment process by allowing customers to open fixed deposits digitally.

FDs can be booked through:

Internet Banking
mBandhan Mobile App

This eliminates the need to visit a branch and enables customers to invest conveniently from home.

Strong Banking Business Performance

According to reports, Bandhan Bank's total deposit base stood at approximately ₹1.66 lakh crore as of March 31, while its advances portfolio exceeded ₹1.54 lakh crore.

The revised interest rates are part of the bank's strategy to attract deposits and provide competitive returns in a rapidly evolving interest-rate environment.

Should Investors Consider These FDs?

For investors looking for predictable returns and capital protection, the revised FD rates may offer an attractive opportunity, especially for senior citizens seeking regular income.

However, experts advise comparing rates, liquidity requirements, taxation implications, and investment goals before locking funds into long-term deposits.

With rates touching 7.95%, Bandhan Bank has positioned itself as a strong contender in the fixed deposit market, particularly among risk-averse investors seeking higher yields.