1800 1030
DEPOSIT ACCOUNTS - RATES AT A QUICK GLANCE – as per RBI format
DOMESTIC/NRO/NRE SAVINGS BANK DEPOSITS - W.E.F. 01.07.2025
|
S.No. |
Slabs |
ROI(%) |
|
1 |
For outstanding Balance of less than Rs. 50 Lakh |
2.55% |
|
2 |
For outstanding Balance of Rs. 50 Lakh to less than Rs 5 Cr |
2.55% |
|
3 |
For outstanding Balance of Rs. 5 Cr to less than Rs 10 Cr |
2.55% |
|
4 |
For outstanding Balance of Rs. 10 Cr to less than Rs 100 Cr |
2.55% |
|
5 |
For outstanding Balance of Rs. 100 Cr to less than Rs 200 Cr |
2.65% |
|
6 |
For outstanding Balance of Rs. 200 Cr to less than Rs 300 Cr |
2.65% |
|
7 |
For outstanding Balance of Rs. 300 Cr to less than Rs 500 Cr |
3.10% |
|
8 |
For outstanding Balance of Rs. 500 Cr to less than Rs 1000 Cr |
3.40% |
|
9 |
For outstanding Balance of Rs. 1000 Cr & less than Rs. 2000 Cr |
3.55% |
|
10 |
For outstanding Balance of Rs. 2000 Cr & above |
4.00% |
|
|
|
2. TERM DEPOSITS Rate of Interest (%) p.a. For
Deposits less than Rs.3 Crore |
||||||
|
A. Domestic |
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|
|
Less than Rs.3 Crore |
|||||||
|
|
Callable |
Non Callable ( Above Rs.1 Crore ) $ |
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|
Term Deposits (All Maturities) |
General Public |
Senior Citizen |
General Public |
Senior Citizen |
||||
|
Rate of Interest (% p.a.) |
Annualised Interest yield (% p.a.) ** |
Rate of Interest (% p.a.) # |
Annualised Interest yield (% p.a.) ** |
Rate of Interest (% p.a.) |
Annualised Interest yield (% p.a.) ** |
Rate of Interest (% p.a.) # |
Annualised Interest yield (% p.a.) ** |
|
|
7 Days to 45 Days |
3.25 |
3.29 |
3.25 |
3.29 |
NA |
NA |
NA |
NA |
|
46 Days to 90 Days |
4.25 |
4.32 |
4.25 |
4.32 |
4.35 |
4.42 |
4.35 |
4.42 |
|
91 Days to 179 Days |
4.50 |
4.58 |
4.50 |
4.58 |
4.60 |
4.68 |
4.60 |
4.68 |
|
180 Days to 269 Days |
5.50 |
5.61 |
6.0 |
6.14 |
5.60 |
5.72 |
6.10 |
6.24 |
|
270 Days to less than 1 Year |
5.75 |
5.88 |
6.25 |
6.40 |
5.85 |
5.98 |
6.35 |
6.50 |
|
1 Year & above to 1 year 3 months Only |
6.25 |
6.40 |
6.75 |
6.92 |
6.35 |
6.50 |
6.85 |
7.03 |
|
444 Days |
6.50 |
6.66 |
7.00 |
7.19 |
6.60 |
6.76 |
7.10 |
7.29 |
|
Above 1 Year 3 months to less than 2 Years |
6.25 |
6.40 |
6.75 |
6.92 |
6.35 |
6.50 |
6.85 |
7.03 |
|
2 Years & above to less than 3 Years |
6.25 |
6.40 |
6.75 |
6.92 |
6.35 |
6.50 |
6.85 |
7.03 |
|
3 Years & above to less than 5 Years |
6.25 |
6.40 |
6.75 |
6.92 |
NA |
NA |
NA |
NA |
|
5 Years & above to 10 Years |
6.25 |
6.40 |
6.75 |
6.92 |
NA |
NA |
NA |
NA |
|
$-Non-callable term deposits are deposits where PREMATURE WITHDRAWAL IS NOT PERMITTED.
* Rates are applicable only for single deposit of Rs.5 Lakh & above. Below Rs.5 Lakh, Minimum tenor of deposit is 15 Days.
# Additional interest of 0.50% for Senior Citizens (General Public) is available for Deposits (Other than NRO/NRE and CGA Deposits) less than Rs. 3 Cr and with tenor of 180 Days and above.
** Approximate Annualized Yield in % terms at the beginning of the slab. Effective Annualized rate of return on Bank’s Re-investment Deposit Plan (Kamadhenu Deposit) is based on quarterly compounding of interest.
Bank Offers 6.25 % p.a. for Canara Tax Saver Deposit scheme (General Public). Maximum deposit acceptable is Rs 1.50 Lakh.
Additional rate of interest 0.60% for Super Senior Citizen(80 years and above) is introduced under Canara-444 product only i.e. 7.10% for callable deposits and 7.20% for non callable deposits.
“For premature closure/part withdrawal/premature extension of Domestic/NRO term deposits, the Bank imposes a penalty of 1.00%. Such prematurely closed/part withdrawn/prematurely extended deposits will earn interest at 1.00% below the rate as applicable for the relevant amount slab as ruling on the date of deposit and as applicable for the period run OR 1.00% below the rate at which the deposit has been accepted, whichever is lower.” However, no interest will be payable on term deposits prematurely closed/prematurely extended before completion of 7th day.
Penalty is waived for premature extension of Domestic / NRO term deposits of less than Rs.3 Crore during the tenure, where extension is for a period longer than the period originally agreed to.
OVERDUE DEPOSITS:
Special Retail Term Deposit Scheme of 444 days is introduced w.e.f 05.04.2023 for Domestic/NRO/NRE Retail Term deposits of below Rs.3 Crore for both Callable and Non-callable deposits.
Bank is not accepting term deposits under Non-Callable segment for maturities of below 46 Days for Domestic/NRO, maturities of below 1 year for NRE and 3 years and above for deposit Above Rs.1 Crore to less than Rs.3 Crore. |
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The revised Rates of Interest for Bulk Deposits (Callable) w.e.f 10.07.2025 are as under:
|
SLABS |
PERIOD OF DEPOSIT |
RATE OF INTEREST ( % P.A.) |
||||||||
|
Callable Deposits w.e.f 10.07.2025 |
||||||||||
|
3 Crore - |
10 Crore & Above - upto 25 Crore |
Above 25 Crore - |
Above 50 Crore - upto 100 Crore |
Above 100 Crore - upto 150 Crore |
Above 150 Crore - upto 250 Crore |
Above 250 Crore - upto 500 Crore |
Above 500 Crore - upto 1000 Crore |
Above 1000 Crore |
||
|
less than 10 Crore # |
upto 50 Crore |
|||||||||
|
1 |
7 Days to 30 Days |
4.75 |
4.75 |
4.75 |
4.75 |
4.75 |
4.75 |
4.75 |
4.75 |
4.75 |
|
2 |
31 Days to 45 Days |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
|
3 |
46 Days to 90 Days |
5.25 |
5.25 |
5.25 |
5.25 |
5.25 |
5.25 |
5.25 |
5.25 |
5.25 |
|
4 |
91 Days to 120 Days |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
|
5 |
121 Days to 179 Days |
5.60 |
5.60 |
5.60 |
5.60 |
5.60 |
5.60 |
5.60 |
5.60 |
5.60 |
|
6 |
180 Days to 269 Days |
6.00 |
6.00 |
6.00 |
6.00 |
6.00 |
6.00 |
6.00 |
6.00 |
6.00 |
|
7 |
270 Days to less than 1 Year |
6.10 |
6.10 |
6.10 |
6.10 |
6.10 |
6.10 |
6.10 |
6.10 |
6.10 |
|
8 |
1 Year Only |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
|
9 |
Above 1 Year to 1 Year 3 Months |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
|
10 |
Above 1 Year 3 Months to less than 2 Years |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
6.25 |
|
11 |
2 Years &above to less than 3 Years |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
5.50 |
|
12 |
3 Years &above to less than 5 Years |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
|
13 |
5 Years &above to 10 Years |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
5.00 |
The revised Rates of Interest for Bulk Deposits (Non-Callable) w.e.f 10.07.2025 are as under:
|
SLABS |
PERIOD OF DEPOSIT |
RATE OF INTEREST ( % P.A.) |
||||||||
|
Non -Callable Deposits w.e.f 10.07.2025 |
||||||||||
|
3 Crore - |
10 Crore & Above - upto 25 Crore |
Above 25 Crore - |
Above 50 Crore - upto 100 Crore |
Above 100 Crore - upto 150 Crore |
Above 150 Crore - upto 250 Crore |
Above 250 Crore - upto 500 Crore |
Above 500 Crore - upto 1000 Crore |
Above 1000 Crore |
||
|
less than 10 Crore # |
upto 50 Crore |
|||||||||
|
1 |
7 Days to 30 Days |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
2 |
31 Days to 45 Days |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
3 |
46 Days to 90 Days |
5.28 |
5.28 |
5.28 |
5.28 |
5.28 |
5.28 |
5.28 |
5.28 |
5.28 |
|
4 |
91 Days to 120 Days |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
|
5 |
121 Days to 179 Days |
5.63 |
5.63 |
5.63 |
5.63 |
5.63 |
5.63 |
5.63 |
5.63 |
5.63 |
|
6 |
180 Days to 269 Days |
6.03 |
6.03 |
6.03 |
6.03 |
6.03 |
6.03 |
6.03 |
6.03 |
6.03 |
|
7 |
270 Days to less than 1 Year |
6.13 |
6.13 |
6.13 |
6.13 |
6.13 |
6.13 |
6.13 |
6.13 |
6.13 |
|
8 |
1 Year Only |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
|
9 |
Above 1 Year to 1 Year 3 Months |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
|
10 |
Above 1 Year 3 Months to less than 2 Years |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
6.28 |
|
11 |
2 Years &above to less than 3 Years |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
5.53 |
|
12 |
3 Years &above to less than 5 Years |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
|
13 |
5 Years &above to 10 Years |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
5.03 |
Bulk Green Deposits
| SLABS |
|
RATE OF INTEREST ( % P.A.) |
|
|
Callable Deposits (w.e.f 07.08.2025) |
Non-Callable Deposits(w.e.f 10.07.2025) |
||
|
|
Rs. 3 Crore and above |
Rs. 3 Crore and above |
|
|
PERIOD OF DEPOSIT |
General Public |
General Public |
|
| 1 | 1111 Days | 6.25 | 5.00 |
| 2 | 2222 Days | 6.20 | 5.00 |
| 3 | 3333 Days | 6.20 | 5.00 |
* For interest rates of single domestic bulk term deposit of Rs.10 Crore and above, Kindly Contact the nearest Branch.
** Approximate Annualized Yield in % terms at the beginning of the slab. Effective Annualized rate of return on Bank’s Re-investment Deposit Plan (Kamadhenu Deposit) is based on quarterly compounding of interest.
++ Non-callable term deposits are Bulk deposits where PREMATURE WITHDRAWAL IS NOT PERMITTED. Auto Renewal facility is not available for Non-callable deposits.
@Bank is not accepting Term Deposits under Non-callable segment for maturities of below 46 Days and 3 Years and above.
Penalty Clause for Bulk Deposits (Rs. 3 Crore & Above)
A penalty of 1.00% is waived in case of premature closure/part withdrawal/ premature extension of Domestic/NRO CALLABLE term deposit of Rs. 3 Crore & above that are accepted/renewed on or after 12.03.2019.
Such prematurely closed/part withdrawn/prematurely extended deposits will earn interest at the rate as applicable for the amount slab of Rs.3 Crore & above as ruling on the date of deposit and as applicable for the period run OR the rate at which the deposit has been accepted, whichever is lower.
However, a penalty of 1.00% shall be levied for premature closure/part withdrawal/ premature extension of Domestic/NRO term deposits of Rs.1 Crore & above that are accepted /renewed from 04.02.2011 to 12.10.2012.
Further, no interest will be payable on term deposits prematurely closed/prematurely extended before completion of 7th day.
|
REVISED ROI FOR NON-RESIDENT ACCOUNTS W.E.F 07.08.2025 |
|||||||||
|
a. NRO – all maturities |
Same as applicable to Domestic Term Deposits |
||||||||
|
b. NRE –Term deposits |
Rate of interest (%) per annum |
||||||||
|
|
CALLABLE |
NON-CALLABLE |
|||||||
|
Period of Deposit |
Less than Rs.3 Crore |
Rs. 3 Crore & above to less than Rs. 10 Crore (w.e.f. 10.07.2025) |
Above Rs.1.00 Crore to Less than RS.3.00 Crore |
Rs. 3 Crore & above to less than Rs. 10 Crore (w.e.f. 10.07.2025) |
|||||
|
(w.e.f. 07.08.2025) |
(w.e.f. 07.08.2025) |
||||||||
|
Rate of Interest |
Annualised |
Rate of Interest |
Annualised |
Rate of Interest |
Annualised |
Rate of Interest |
Annualised |
||
|
(% per annum) |
Interest Yield (% per annum) * |
(% per annum) |
Interest Yield (% per annum) * |
(% per annum) |
Interest Yield (% per annum) * |
(% per annum) |
Interest Yield (% per annum) * |
||
| 1. |
1 Year Only |
NA |
NA |
6.25 |
6.40 |
NA |
NA |
6.28 |
6.43 |
| 2. |
1 Year & above to 1 year 3 months Only |
6.25 |
6.40 |
NA |
NA |
6.35 |
6.50 |
NA |
NA |
| 3.* |
444 Days |
6.50 |
6.66 |
NA |
NA |
6.60 |
6.76 |
NA |
NA |
| 4. |
Above 1 Year 3 months to less than 2 Years. |
6.25 |
6.40 |
NA |
NA |
6.35 |
6.50 |
NA |
NA |
| 5. |
Above 1 year to less than 2 years |
NA |
NA |
6.25 |
6.40 |
NA |
NA |
6.28 |
6.43 |
| 6. |
2 years & above to less than 3 years. |
6.25 |
6.40 |
5.50 |
5.61% |
6.35 |
6.50 |
5.53 |
5.65% |
| 7. |
3 years & above to less than 5 years. |
6.25 |
6.40 |
5.00 |
5.09% |
NA @ |
NA @ |
5.03 |
5.13% |
| 8. |
5 years & above to 10 years. |
6.25 |
6.40 |
5.00 |
5.09% |
NA @ |
NA @ |
5.03 |
5.13% |
Penalty is waived for premature extension of Domestic/NRO/NRE term deposits of less than Rs. 3 Crore during the tenure, where extension is for a longer than the period originally agreed to. However, No interest will be payable on NRE term deposits prematurely closed/prematurely extended before completion of 1 year.
#Bank has introduced a special DOMESTIC/NRE/NRO Retail Term deposit scheme for 444 Days with higher rate of interest with effect from 05.04.2023.
* Approximate Annualized Yield in % terms at the beginning of the slab. Effective Annualized rates of return on Bank’s Re-investment Deposit Plan (Kamadhenu Deposit) is based on quarterly compounding of interest.
No interest will be payable for the period run on NRE term deposits prematurely closed/ prematurely extended before completion of one year from the effective date of the deposit
NRE Term deposits are auto renewed only once as the Non-resident status is to be confirmed. Overdue NRE deposits will be paid interest as applicable to Savings account from the date of maturity till the date of payment/ re-investment.
PENALTY:
A penalty of 1.00% will be levied for premature closure of NRE term deposits of less than Rs.3 Crore that are placed/renewed on or after 12.03.2019.
No penalty will be levied for premature closure/premature extension of NRE term deposits of Rs.3 Crore & above that are placed/renewed on or after 12.03.2019.
However, a penalty of 1.00% shall be levied for premature closure of NRE term deposits of Rs.1 Crore & above that are placed /renewed from 29.12.2011 to 12.10.2012.
Interest rates on FCNR (B) Deposits w.e.f. 16.05.2025 (Interest rate % per annum)
|
|
CURRENCY OF DEPOSIT |
|||||
|
PERIOD OF DEPOSIT |
USD <100000 |
USD>=100000 |
GBP |
EURO |
CAD |
AUD |
|
1 year to less than 2 years |
5.35 |
5.45 |
4.60 |
3.00 |
3.50 |
4.00 |
|
2 years to less than 3 years |
4.00 |
4.00 |
3.00 |
2.00 |
3.25 |
3.50 |
|
3 years to less than 4 years |
3.70 |
3.70 |
2.50 |
1.50 |
3.00 |
3.00 |
|
4 years to less than 5 years |
3.50 |
3.50 |
2.50 |
1.50 |
3.00 |
3.00 |
|
5 years |
3.50 |
3.50 |
2.50 |
1.50 |
3.00 |
3.00 |
APPENDIX
FCNR (B) Rate of Interest with Annualised Interest Yield Details (in % p.a.)
|
CURRENCY OF DEPOSIT |
USD < 100000 |
USD >= 100000 |
GBP |
EUR |
CAD |
AUD |
|
||||||
|
PERIOD OF DEPOSIT |
|
||||||||||||
|
RATE |
YIELD* |
RATE |
YIELD* |
RATE |
YIELD* |
RATE |
YIELD* |
RATE |
YIELD* |
RATE |
YIELD* |
|
|
|
12 months |
5.35 |
5.50 |
5.45 |
5.60 |
4.60 |
4.72 |
3.00 |
3.03 |
3.50 |
3.58 |
4.00 |
4.10 |
|
|
24 months |
4.00 |
4.18 |
4.00 |
4.18 |
3.00 |
3.11 |
2.00 |
2.06 |
3.25 |
3.32 |
3.50 |
3.64 |
|
|
36 months |
3.70 |
3.93 |
3.70 |
3.93 |
2.50 |
2.62 |
1.50 |
1.55 |
3.00 |
3.16 |
3.00 |
3.16 |
|
|
48 months |
3.50 |
3.78 |
3.50 |
3.78 |
2.50 |
2.65 |
1.50 |
1.56 |
3.00 |
3.21 |
3.00 |
3.21 |
|
|
60 months |
3.50 |
3.85 |
3.50 |
3.85 |
2.50 |
2.69 |
1.50 |
1.57 |
3.00 |
3.26 |
3.00 |
3.26 |
|
* Annualized yield at the end of the period.
Note: - • The above interest rates are applicable only for FCNR (B) deposits of amount less than USD 1 Million (or its equivalent in other currencies). For FCNR(B) deposit of USD 1 Million & above (or its equivalent in other currencies) please con-tact our branch.
• Compounding of interest in FCNR (B) Term Deposit at half yearly interval (for applicable products).
• Annualized yield calculated on the maximum period under the respective period bucket.
Interest rates on RFC Deposits w.e.f. 16.05.2025 (Interest rate % per annum)
|
PERIOD OF DEPOSIT |
CURRENCY OF DEPOSITS |
|||||
|
|
USD<100000 |
USD>=100000 |
GBP |
EUR |
CAD |
AUD |
|
SAVINGS BANK |
0.10 |
0.10 |
0.10 |
NIL |
NIL |
NIL |
|
1 month & above but less than 3 months |
0.10 |
0.10 |
NA |
NA |
0.10 |
0.10 |
|
3 months & above but less than 6 months |
0.10 |
0.10 |
NA |
NA |
0.10 |
0.10 |
|
6 months & above but less than 1 year |
0.10 |
0.10 |
NA |
NA |
0.10 |
0.10 |
|
1 year & above but less than 2 years |
5.35 |
5.45 |
4.60 |
3.00 |
3.50 |
4.00 |
|
2 years & above but less than 3 years |
4.00 |
4.00 |
3.00 |
2.00 |
3.25 |
3.50 |
|
3 years only |
3.70 |
3.70 |
2.50 |
1.50 |
3.00 |
3.00 |
Note: - • The above interest rates are applicable only for RFC deposits of amount less than USD 1 Million (or its equivalent in other currencies). For RFC deposit of USD 1 Million & above (or its equivalent in other currencies) please contact our branch.
• Compounding of interest in RFC Term Deposit at half yearly interval (for applicable products).