Bandhan Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card date not stated by the bank. Deposits below ₹3 crore.
Bandhan Bank pays its best rate among these terms on 2 years: 7.45%, or 7.95% for senior citizens. That ranks 3rd of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).
Bandhan FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year | 7.00% | 7.50% | ₹5,35,930 | 3rd of 33 |
| 2 years Slab: 2 years to less than 3 years | 7.45% | 7.95% | ₹5,79,542 | 3rd of 33 |
| 3 years Slab: 3 years to less than 5 years | 7.25% | 7.75% | ₹6,20,273 | 6th of 33 |
| 5 years Slab: 5 years to up to 10 years | 5.85% | 6.60% | ₹6,68,469 | 30th of 33 |
| Tax saver, 5 years 80C, old regime only | 6.25% | 7.25% | ₹6,81,770 | Compare |
Interest compounds every quarter and is paid at maturity, before tax. Source: Bandhan Bank deposit rates. Each rate is the slab that contains that exact term.
How Bandhan compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.25 percentage points more. On ₹5 lakh that is ₹1,318 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.30 percentage points more. On ₹5 lakh that is ₹3,422 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.75 percentage points more. On ₹5 lakh that is ₹13,847 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.92 percentage points more. On ₹5 lakh that is ₹66,173 extra.
Similar banks: DCB Bank (7.40% for 2 years), City Union Bank (7.30% for 2 years), IndusInd Bank (7.25% for 2 years), IDFC FIRST Bank (7.10% for 2 years).
Amounts at Bandhan
- ₹1 lakh for 2 years at 7.45% becomes ₹1,15,908.
- ₹10 lakh for 2 years at 7.45% becomes ₹11,59,083.
Questions people ask
What is the Bandhan FD rate for 1 year?
Bandhan Bank pays 7.00% a year on a 1-year deposit below ₹3 crore (7.50% for senior citizens). ₹5 lakh grows to ₹5,35,930. The slab is "1 year".
What is the Bandhan FD rate for 2 years?
Bandhan Bank pays 7.45% a year on a 2-year deposit below ₹3 crore (7.95% for senior citizens). ₹5 lakh grows to ₹5,79,542. The slab is "2 years to less than 3 years".
What is the Bandhan FD rate for 3 years?
Bandhan Bank pays 7.25% a year on a 3-year deposit below ₹3 crore (7.75% for senior citizens). ₹5 lakh grows to ₹6,20,273. The slab is "3 years to less than 5 years".
What is the Bandhan FD rate for 5 years?
Bandhan Bank pays 5.85% a year on a 5-year deposit below ₹3 crore (6.60% for senior citizens). ₹5 lakh grows to ₹6,68,469. The slab is "5 years to up to 10 years".
What is the Bandhan tax-saver FD rate?
6.25% for 5 years (7.25% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.
Is money in a Bandhan FD safe?
Bandhan Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate