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While choosing a fixed deposit investment for 2026, Federal Bank could be one of those private sector banks to consider. Offering its customers different types of deposits at attractive interest rates, the bank provides fixed deposits of different tenures and interest rates for its regular as well as senior citizen customers.
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 in 2026, general customers can earn up to 6.85% per annum, while senior citizens can earn up to 7.35% per annum on select tenures. The applicable rate depends on the deposit tenure and customer category.
| Deposit Tenure | General Citizens | Senior Citizens |
| 1 Year | 6.50% p.a. | 7.00% p.a. |
| 444 Days (Select Tenure) | 6.85% p.a. | 7.35% p.a. |
| Above 2 Years to 5 Years | 6.40% p.a. | 6.90% p.a. |
| 5 Years & Above | 6.25% p.a. | 6.75% p.a. |
Interest rates are indicative and subject to change by the bank. 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
Just like other banks, Federal Bank also has special tenures of FDs that pay varied interest rates compared to regular FDs. The special tenures of FD are made available by the bank once in a while.
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:
- Federal Bank Fixed Deposit Interest Rates July 2026: Highest Rate, Tenures & Online FD Guide
- Bonds vs Fixed Deposits 2026: Tax and Liquidity Comparison for Indian Investors
- Senior Citizen Fixed Deposit Interest Rates 2026: Which Bank FD Rates are
FD Calculator in Federal Bank
An FD calculator in Federal Bank helps in predicting the maturity value of the fixed deposit through certain considerations like the deposit sum, duration of deposit, interest rate, and compounding.
The calculator gives an estimation, but the exact maturity value will depend on the interest rate applicable at the time of opening the fixed deposit.
What about Fedfina FD?
Apart from searching for Federal Bank deposits, many investors also search for Fedfina FD. It is necessary to remember that although Fedfina (Fedbank Financial Services Limited) is owned by Federal Bank, it is different from Federal Bank. While being promoted by Federal Bank, the products available under the FD offered by Fedfina are subject to different terms, criteria, and rules.
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 under the Deposit Insurance and Credit Guarantee Corporation (DICGC) insurance scheme up to the applicable limit per depositor per bank, subject to prevailing regulations.
Frequently Asked Questions (FAQs)
Federal Bank pays an interest rate of 6.85% p.a. to general individuals and 7.35% 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 often launches selected fixed deposits with varied interest rates. The interest rates keep varying, and the schemes are available for a short duration of time.
No, Fedfina (Fedbank Financial Services Limited) is an independent financial institution. It is necessary for investors to confirm the company offering the deposit scheme.
Conclusion
The Federal Bank provides a variety of fixed deposits with multiple tenure options, an online FD booking facility, and extra interest rate concessions to 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.
