{"id":14905,"date":"2026-07-17T14:18:08","date_gmt":"2026-07-17T08:48:08","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=14905"},"modified":"2026-07-17T19:14:18","modified_gmt":"2026-07-17T13:44:18","slug":"iob-fixed-deposit-interest-rates","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/","title":{"rendered":"IOB Fixed Deposit Interest Rates July 2026: Indian Overseas Bank FD Complete Guide\u00a0"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Indian_Overseas_Bank_IOB_offers_regular_Fixed_Deposit_FD_interest_rates_ranging_from_300_to_660_pa_for_deposits_below_%E2%82%B93_Crore_The_highest_rate_of_660_pa_applies_to_a_tenure_of_444_days_Senior_citizens_receive_an_additional_050_pa_and_super_senior_citizens_get_an_additional_075_pa\"><\/span><span data-subtree=\"aimfl,mfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Indian Overseas Bank (IOB) offers regular Fixed Deposit (FD) interest rates ranging from <\/span><strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3.00% to 6.60% p.a.<!--TgQPHd||[]--><\/strong> for deposits below \u20b93 Crore. The highest rate of <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6.60% p.a.<!--TgQPHd||[]--><\/strong> applies to a tenure of <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">444 days<!--TgQPHd||[]--><\/strong>. Senior citizens receive an additional 0.50% p.a., and super senior citizens get an additional 0.75% p.a.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>In case you are on the lookout for a fixed deposit scheme offered by a reputable public sector bank, you may want to consider Indian Overseas Bank (IOB). IOB is based in Chennai, and this bank has a large customer base across India, especially in Tamil Nadu. Indian Overseas Bank has a variety of fixed deposit plans with varying tenures, high interest rates, and different options for paying interest.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Indian_Overseas_Bank_IOB_offers_regular_Fixed_Deposit_FD_interest_rates_ranging_from_300_to_660_pa_for_deposits_below_%E2%82%B93_Crore_The_highest_rate_of_660_pa_applies_to_a_tenure_of_444_days_Senior_citizens_receive_an_additional_050_pa_and_super_senior_citizens_get_an_additional_075_pa\" >Indian Overseas Bank (IOB) offers regular Fixed Deposit (FD) interest rates ranging from 3.00% to 6.60% p.a. for deposits below \u20b93 Crore. The highest rate of 6.60% p.a. applies to a tenure of 444 days. Senior citizens receive an additional 0.50% p.a., and super senior citizens get an additional 0.75% p.a.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#IOB_Fixed_Deposit_Interest_Rates_in_2026\" >IOB Fixed Deposit Interest Rates in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Key_Features_of_Indian_Overseas_Bank_Fixed_Deposits\" >Key Features of Indian Overseas Bank Fixed Deposits&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#What_is_an_IOB_Special_Fixed_Deposit\" >What is an IOB Special Fixed Deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Should_You_Use_an_IOB_FD_Calculator\" >Should You Use an IOB FD Calculator?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Points_to_Keep_in_Mind_While_Opening_an_IOB_Fixed_Deposit\" >Points to Keep in Mind While Opening an IOB Fixed Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>If you plan to invest your money in a fixed deposit scheme for a few months or even for several years, knowledge about Indian Overseas Bank Fixed Deposit Interest Rates and the features of IOB FD Schemes will help you make the right decision.<\/p>\n\n\n\n<p>Disclaimer: This post is meant only for educational purposes and not to be construed as investment advice in any way. The interest rate of the Indian Overseas Bank FD Scheme can vary from time to time as per the bank&#8217;s policies. For more details, please refer to the IOB website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IOB_Fixed_Deposit_Interest_Rates_in_2026\"><\/span><strong>IOB Fixed Deposit Interest Rates in 2026 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Indian Overseas Bank has FD schemes that have terms from seven days up to ten years. According to the latest published interest rate, a general customer can earn an interest rate of up to 6.60% per annum, whereas a senior citizen can earn up to 7.10% per annum.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Some of the commonly offered rates are shown below:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>General Citizens<\/strong><\/td><td><strong>Senior Citizens<\/strong><\/td><\/tr><tr><td>1 Year<\/td><td>6.50% p.a.<\/td><td>7.00% p.a.<\/td><\/tr><tr><td>444 Days (Special Tenure)<\/td><td>6.60% p.a.<\/td><td>7.10% p.a.<\/td><\/tr><tr><td>Above 1 Year to Below 2 Years<\/td><td>6.40% p.a.<\/td><td>6.90% p.a.<\/td><\/tr><tr><td>3 Years &amp; Above<\/td><td>6.10% p.a.<\/td><td>6.60% p.a.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><strong>IOB FD Rates on Domestic\/NRO\/NRE Deposits of below Rs 3 crore w.e.f. 15 June 2026<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td rowspan=\"2\"><strong>Tenure<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"3\"><strong>Interest Rates (% p.a.)<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Regular Citizens<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Senior Citizens<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Super Senior Citizens<\/strong><\/td><\/tr><tr><td>7-14 days *<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.25<\/td><\/tr><tr><td>15-29 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.25<\/td><\/tr><tr><td>30-45 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.25<\/td><\/tr><tr><td>46-60 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.75<\/td><\/tr><tr><td>61-90 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.75<\/td><\/tr><tr><td>91-120 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.25<\/td><\/tr><tr><td>121-179 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.9<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.4<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.65<\/td><\/tr><tr><td>180-269 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.15<\/td><\/tr><tr><td>270 days to less than 1 year<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">6<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.25<\/td><\/tr><tr><td>1 year<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.25<\/td><\/tr><tr><td>Above 1 year to less than 2 years (except 444 days)<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.4<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.9<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.15<\/td><\/tr><tr><td>444 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.6<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.1<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.35<\/td><\/tr><tr><td>2 years to less than 3 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.4<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.9<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.15<\/td><\/tr><tr><td>3 years and above<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.1<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.6<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.85<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Rates are indicative and may change periodically. Please refer to the bank&#8217;s latest rate card before investing.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Features_of_Indian_Overseas_Bank_Fixed_Deposits\"><\/span><strong>Key Features of Indian Overseas Bank Fixed Deposits&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed Deposits by IOB serve to fulfill both short-term as well as long-term savings requirements. The customers have an option to select from among different tenure options and can go for cumulative and non-cumulative deposits based on their interest payout requirements.<\/p>\n\n\n\n<p>There is also an option of getting some additional interest from the bank for eligible senior citizens and super senior citizens, as per the policy of the bank. The fixed deposit can usually be made either by visiting the branch or online using the net banking facilities offered by the bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposit Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/\" aria-label=\"IOB Fixed Deposit Interest Rates July 2026: Indian Overseas Bank FD Complete Guide\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"IOB Fixed Deposits\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/17131543\/IOB-Fixed-Deposits.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/\">IOB Fixed Deposit Interest Rates July 2026: Indian Overseas Bank FD Complete Guide\u00a0<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/5-year-fixed-deposit-interest-rates\/\" aria-label=\"5-Year Fixed Deposit Interest Rates 2026: Best Banks for Long-Term FDs\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"5 Years Fixed Deposit Interest Rate\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15150833\/5-Years-Fixed-Deposit-Interest-Rate.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/5-year-fixed-deposit-interest-rates\/\">5-Year Fixed Deposit Interest Rates 2026: Best Banks for Long-Term FDs<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/dbs-bank-fixed-deposit-interest-rates\/\" aria-label=\"DBS Bank Fixed Deposit Interest Rates 2026: Is DBS Bank FD Worth It in India?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"DBS Bank Fixed Deposits Interest Rates (1)\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/15144109\/DBS-Bank-Fixed-Deposits-Interest-Rates-1.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/dbs-bank-fixed-deposit-interest-rates\/\">DBS Bank Fixed Deposit Interest Rates 2026: Is DBS Bank FD Worth It in India?<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_an_IOB_Special_Fixed_Deposit\"><\/span><strong>What is an IOB Special Fixed Deposit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>From time to time, the Indian Overseas Bank comes up with special fixed deposit tenures like a 444-day FD that gives a better rate of interest than the normal FD tenures. Such special schemes are launched by the bank at its discretion.<\/p>\n\n\n\n<p>However, before investing in such a scheme, one must get acquainted with the interest rate, tenure, early withdrawal facility, and other related conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_You_Use_an_IOB_FD_Calculator\"><\/span><strong>Should You Use an IOB FD Calculator?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The IOB FD calculator can aid you in calculating the maturity amount based on your deposit amount, tenure, rate of interest, and compounding. The IOB FD calculator gives you an estimate of the maturity amount, but the real maturity amount will depend on the interest rate prevailing when you book your fixed deposit.<\/p>\n\n\n\n<p>It can be used to calculate the maturity amount on the basis of various tenures and how it differs.<\/p>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Explore Income Investment Bonds<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds\u00a0<\/a>|\u00a0<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>\u00a0|\u00a0<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a> | <a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Points_to_Keep_in_Mind_While_Opening_an_IOB_Fixed_Deposit\"><\/span><strong>Points to Keep in Mind While Opening an IOB Fixed Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selecting a fixed deposit is not only about choosing one that offers the maximum interest rate. You should also look into certain other aspects before making the choice.<\/p>\n\n\n\n<p>These include considering your financial needs, liquidity requirements, tenure, and taxes.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td>Factor<\/td><td>Why It Matters<\/td><\/tr><tr><td>Interest Rate<\/td><td>Determines the return on your deposit.<\/td><\/tr><tr><td>Tenure<\/td><td>Should match your financial goal.<\/td><\/tr><tr><td>Premature Withdrawal<\/td><td>May involve reduced interest or penalties.<\/td><\/tr><tr><td>Interest Payout<\/td><td>Choose cumulative or periodic payouts based on your needs.<\/td><\/tr><tr><td>Deposit Insurance<\/td><td>Eligible deposits are covered under DICGC limits as applicable.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span><strong>Frequently Asked Questions (FAQs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1784273631592\"><strong class=\"schema-faq-question\">Q1. <strong>What is the highest IOB fixed deposit interest rate in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\">As per the latest available interest rates, IOB provides 6.60% p.a. and 7.10% p.a. for select tenures for general and senior citizens, respectively.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784273643619\"><strong class=\"schema-faq-question\">Q2. <strong>Is there a special fixed deposit scheme in IOB?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. IOB has, from time to time, launched some special fixed deposit tenures like 444-day FD with different interest rates than the usual fixed deposits. It depends on the terms and conditions of the bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784273658819\"><strong class=\"schema-faq-question\">Q3. <strong>Is it possible to have a fixed deposit with IOB online?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Eligible customers can apply for fixed deposits through IOB&#8217;s internet banking facility and digital banking services, in addition to branch-based FD accounts.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784273672286\"><strong class=\"schema-faq-question\">Q4. <strong>Is an IOB fixed deposit safe?<\/strong><\/strong> <p class=\"schema-faq-answer\">IOB is a public sector bank that follows the regulations of the Reserve Bank of India (RBI). Eligible fixed deposits of Indian Overseas Bank are insured by the DICGC insurance scheme up to the limit as prescribed.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Indian Overseas Bank still remains a popular investment option for many people who seek the safety of a government-sponsored bank but have flexibility in their fixed deposits. The flexible tenures offered by IOB FDs that range from just a few days to many years, coupled with attractive interest rates, make it an ideal solution for various needs. Prior to investing in a fixed deposit, one should analyze all the tenures available and check the current interest rates on the bank&#8217;s website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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 products\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.\u00a0<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"BlogPosting\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/iob-fixed-deposit-interest-rates\/\"\n    },\n    \"headline\": \"IOB Fixed Deposit Interest Rates July 2026: Indian Overseas Bank FD Complete Guide\",\n    \"description\": \"Indian Overseas Bank (IOB) offers regular Fixed Deposit (FD) interest rates ranging from 3.00% to 6.60% p.a. for deposits below \u20b93 Crore. 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