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Interest Rates on Deposits

Applicable interest Rates with effect from 01-01-2026 are as under.

Period Interest Rates
For General Public (p.a)		 Interest Rates
for Senior Citizens (p.a)
15 days to 30 days 4.25 % 4.75 %
31 days to 90 days 5.00 % 5.50 %
91 days to 180 days 5.50 % 6.00 %
181 days to less than 1 year 7.00 % 7.50 %
1 year 8.00 % 8.50 %
1 year to less than 3 years 8.00 % 8.50 %
3 years to 5 years 8.50 % 9.00 %
Above 5 years 7.50 % 8.00 %
450 days 8.50 % 9.00 %

Recurring Deposit:

Period Interest Rates
For General Public (p.a)		 Interest Rates
for Senior Citizens (p.a)
1 Year to less than 3 Years 8.00 % 8.50 %
3 to 5 Years 8.50 % 9.00 %
Above 5 years 7.50 % 8.00 %

Other Points

(i) Charitable Institutions & Widows : 0.50% extra for deposits above Rs.15.00 lacs and tenor above 180 days.

(ii) As per the directives of RBI, interest in a leap year shall be calculated taking number of days as 365.

(iii) Rate of interest are subject to change from time to time