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Central Bank of India FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card from 10 August 2026. Deposits below ₹3 crore.

Central Bank of India pays its best rate among these terms on 2 years: 6.25%, or 6.75% for senior citizens. That ranks 26th of 33 banks we track for 2 years. On a 2-year deposit it pays less than SBI (6.40%).

6.10%1 year, senior 6.60%
6.25%2 years, senior 6.75%
6.00%3 years, senior 6.50%
6.00%5 years, senior 6.50%

Central Bank FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 1 year to less than 2 years		6.10%6.60%₹5,31,20528th of 33
2 years
Slab: 2 years to less than 3 years		6.25%6.75%₹5,66,02726th of 33
3 years
Slab: 3 years to less than 5 years		6.00%6.50%₹5,97,80929th of 33
5 years
Slab: 5 years and above up to 10 years		6.00%6.50%₹6,73,42825th of 33

Interest compounds every quarter and is paid at maturity, before tax. Source: Central Bank of India deposit rates. Each rate is the slab that contains that exact term.

How Central Bank compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.15 percentage points more. On ₹5 lakh that is ₹6,043 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.50 percentage points more. On ₹5 lakh that is ₹16,937 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 2.00 percentage points more. On ₹5 lakh that is ₹36,312 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.77 percentage points more. On ₹5 lakh that is ₹61,214 extra.

Similar banks: Bank of Baroda (6.25% for 2 years), Canara Bank (6.25% for 2 years), Punjab National Bank (6.30% for 2 years), Union Bank of India (6.15% for 2 years).

Amounts at Central Bank

  • ₹1 lakh for 2 years at 6.25% becomes ₹1,13,205.
  • ₹10 lakh for 2 years at 6.25% becomes ₹11,32,054.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the Central Bank FD rate for 1 year?

Central Bank of India pays 6.10% a year on a 1-year deposit below ₹3 crore (6.60% for senior citizens). ₹5 lakh grows to ₹5,31,205. The slab is "1 year to less than 2 years".

What is the Central Bank FD rate for 2 years?

Central Bank of India pays 6.25% a year on a 2-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,66,027. The slab is "2 years to less than 3 years".

What is the Central Bank FD rate for 3 years?

Central Bank of India pays 6.00% a year on a 3-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹5,97,809. The slab is "3 years to less than 5 years".

What is the Central Bank FD rate for 5 years?

Central Bank of India pays 6.00% a year on a 5-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹6,73,428. The slab is "5 years and above up to 10 years".

Is money in a Central Bank FD safe?

Central Bank of India is a public sector 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