While choosing a fixed deposit investment for 2026, Federal Bank is a private sector bank that offers customers different types of deposits at various interest rates and tenures for its regular customers as well as senior citizens.
Whichever tenure of deposit you want to make, it is useful for you to know about the current interest rates and tenures offered by the bank in respect of its fixed deposits.
Disclaimer: The above information is presented only for knowledge purposes. It should not be considered advice or a recommendation to invest in any kind of financial instruments. Interest rates and deposit schemes offered by Federal Bank are subject to change.
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Federal Bank Fixed Deposit Interest Rates in 2026
Federal Bank offers fixed deposits with tenures ranging from 7 days to 10 years. As per the latest interest rate schedule effective from 17 August 2026, general customers can earn up to 6.70% per annum, while senior citizens can earn up to 7.20% per annum on select tenures. The applicable rate depends on the deposit tenure and customer category.
| Deposit Tenure | General Citizens | Senior Citizens |
| 7–29 Days | 3.00% p.a. | 3.50% p.a. |
| 30–45 Days | 3.25% p.a. | 3.75% p.a. |
| 46–90 Days | 4.25% p.a. | 4.75% p.a. |
| 91–180 Days | 4.50% p.a. | 5.00% p.a. |
| 181 Days | 6.00% p.a. | 6.50% p.a. |
| 182–270 Days | 5.50% p.a. | 6.00% p.a. |
| 271 Days–Less than 1 Year | 6.00% p.a. | 6.50% p.a. |
| 1 Year | 6.25% p.a. | 6.75% p.a. |
| Above 1 Year–Less than 15 Months | 6.40% p.a. | 6.90% p.a. |
| 15 Months | 6.65% p.a. | 7.15% p.a. |
| Above 15 Months–24 Months | 6.40% p.a. | 6.90% p.a. |
| Above 24 Months–Less than 48 Months | 6.50% p.a. | 7.00% p.a. |
| 48 Months | 6.70% p.a. | 7.20% p.a. |
| Above 48 Months–10 Years | 6.40% p.a. | 6.90% p.a. |
Interest rates are applicable to resident/NRO term deposits below ₹3 crore and are subject to change. Please refer to the latest rate card before investing.
Features of Federal Bank Fixed Deposits
Fixed deposits with Federal Bank are available to meet various financial requirements. Investors have an option of selecting cumulative deposits, which involve payment of interest only at maturity, as well as non-cumulative deposits, providing interest payments in intervals.
Federal Bank also allows customers to open and operate fixed deposits via their internet banking facility and mobile banking services; hence, the investment is easily done without visiting the bank branch. Premature withdrawal of funds in certain cases will depend on the terms and conditions set by the bank.
Special FD Rates of Federal Bank
Federal Bank offers fixed deposits across several specific tenures, with interest rates varying by deposit period. Check the latest rate card for the applicable rate and terms before opening an FD.
In case you wish to invest in a special FD scheme, make sure that you check the interest rate, tenure, and other terms and conditions.
Latest Fixed Deposit Updates:
- Cumulative vs Non-Cumulative FD: Which Payout Option Earns More?
- Callable vs Non-Callable FDs: Why Non-Callable Deposits Pay More
- Sweep-In FD Explained: How Auto-Sweep Accounts Work in India
What about Fedfina FD?
Apart from searching for Federal Bank deposits, many investors also search for Fedfina. Fedfina (Fedbank Financial Services Limited) is a separate NBFC and a subsidiary of Federal Bank. It offers financial products such as gold loans, home loans and property loans, which are different from Federal Bank’s deposit products. Investors should check the name of the institution offering a financial product before investing.
Always ensure that the product you are interested in is offered by Federal Bank or Fedfina before making an investment decision.
Things to Consider Before Opening a Federal Bank FD
Instead of selecting an FD solely because it offers a higher interest rate, consider whether the product suits your financial needs.
| Factor | Why It Matters |
| Interest Rate | Determines the return on your deposit. |
| Deposit Tenure | Should align with your financial goals. |
| Premature Withdrawal | May affect the interest payable. |
| Interest Payout Option | Choose cumulative or periodic payouts based on your requirements. |
| Deposit Insurance | Eligible deposits are covered under DICGC insurance limits as applicable. |
Eligible deposits with Federal Bank are covered by DICGC insurance up to ₹5 lakh per depositor per bank, including principal and interest, subject to applicable conditions.
Frequently Asked Questions (FAQs)
Federal Bank pays an interest rate of 6.70% p.a. to general citizens and 7.20% p.a. to senior citizens on selected deposit maturities as per their latest published interest rates.
Yes, one can open and maintain selected FD accounts using the internet and mobile banking services of Federal Bank.
Federal Bank offers fixed deposits across various tenures, with interest rates varying by the deposit period. Customers should check the latest rate card for the applicable rate and terms.
No. Fedfina (Fedbank Financial Services Limited) is a separate NBFC and a subsidiary of Federal Bank. Its products are different from Federal Bank’s banking and deposit products.
Conclusion
The Federal Bank provides a variety of fixed deposits with multiple tenure options, online FD booking facilities, and additional interest for eligible senior citizens. Whether you wish to open a fixed deposit for a short period of time or are looking forward to achieving some financial goals in the long run, comparing the various tenure options, studying the related terms, and reviewing the prevailing FD rates can assist you in making an informed choice.
Disclaimer
Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and/or default in payment. Read all the offer-related documents carefully. This blog/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of/on GoldenPi or any product/services of its third-party client(s). For a detailed calculation of YTM, visit our website. T&C’s Apply.
