{"id":15044,"date":"2026-07-22T06:27:00","date_gmt":"2026-07-22T00:57:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15044"},"modified":"2026-11-03T15:17:02","modified_gmt":"2026-11-03T09:47:02","slug":"federal-bank-fixed-deposit-interest-rates-2026","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/","title":{"rendered":"Federal Bank Fixed Deposit Interest Rates November 2026: Highest Rate, Tenures &amp; Online FD 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=\"Federal_Bank_offers_fixed_deposit_interest_rates_ranging_from_300_to_680_pa_for_general_customers_while_eligible_senior_citizens_can_earn_between_350_and_730_pa_The_highest_standard_callable_FD_rate_is_680_for_general_customers_and_730_for_senior_citizens_both_available_on_a_48-month_tenure_as_per_the_rate_schedule_effective_1_November_2026\"><\/span>Federal Bank offers fixed deposit interest rates ranging from 3.00% to 6.80% p.a. for general customers, while eligible senior citizens can earn between 3.50% and 7.30% p.a. The highest standard callable FD rate is 6.80% for general customers and 7.30% for senior citizens, both available on a 48-month tenure, as per the rate schedule effective 1 November 2026.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>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.<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#Federal_Bank_offers_fixed_deposit_interest_rates_ranging_from_300_to_680_pa_for_general_customers_while_eligible_senior_citizens_can_earn_between_350_and_730_pa_The_highest_standard_callable_FD_rate_is_680_for_general_customers_and_730_for_senior_citizens_both_available_on_a_48-month_tenure_as_per_the_rate_schedule_effective_1_November_2026\" >Federal Bank offers fixed deposit interest rates ranging from 3.00% to 6.80% p.a. for general customers, while eligible senior citizens can earn between 3.50% and 7.30% p.a. The highest standard callable FD rate is 6.80% for general customers and 7.30% for senior citizens, both available on a 48-month tenure, as per the rate schedule effective 1 November 2026.<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#Federal_Bank_Fixed_Deposit_Interest_Rates_in_2026\" >Federal Bank 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\/federal-bank-fixed-deposit-interest-rates-2026\/#Features_of_Federal_Bank_Fixed_Deposits\" >Features of Federal Bank Fixed Deposits<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#Special_FD_Rates_of_Federal_Bank\" >Special FD Rates of Federal Bank<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#What_about_Fedfina_FD\" >What about Fedfina FD?<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#Things_to_Consider_Before_Opening_a_Federal_Bank_FD\" >Things to Consider Before Opening a Federal Bank FD<\/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\/federal-bank-fixed-deposit-interest-rates-2026\/#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\/federal-bank-fixed-deposit-interest-rates-2026\/#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\/federal-bank-fixed-deposit-interest-rates-2026\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Federal_Bank_Fixed_Deposit_Interest_Rates_in_2026\"><\/span><strong>Federal Bank Fixed Deposit Interest Rates in 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Federal Bank offers resident term deposits with tenures ranging from 7 days to 10 years. As per the latest interest rate schedule effective from 1 November 2026, general customers can earn up to 6.80% p.a., while eligible senior citizens can earn up to 7.30% p.a. on standard callable deposits below \u20b93 crore. The applicable rate depends on the deposit tenure and customer category.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><th>Deposit Tenure<\/th><th>General Customers<\/th><th>Senior Citizens<\/th><\/tr><tr><td>7\u201329 days<\/td><td>3.00%<\/td><td>3.50%<\/td><\/tr><tr><td>30\u201345 days<\/td><td>3.25%<\/td><td>3.75%<\/td><\/tr><tr><td>46\u201390 days<\/td><td>4.25%<\/td><td>4.75%<\/td><\/tr><tr><td>91\u2013180 days<\/td><td>4.50%<\/td><td>5.00%<\/td><\/tr><tr><td>181 days<\/td><td>6.00%<\/td><td>6.50%<\/td><\/tr><tr><td>182\u2013270 days<\/td><td>5.50%<\/td><td>6.00%<\/td><\/tr><tr><td>271 days\u2013less than 1 year<\/td><td>6.00%<\/td><td>6.50%<\/td><\/tr><tr><td>1 year<\/td><td>6.25%<\/td><td>6.75%<\/td><\/tr><tr><td>Above 1 year\u2013less than 15 months<\/td><td>6.55%<\/td><td>7.05%<\/td><\/tr><tr><td>15 months<\/td><td>6.70%<\/td><td>7.20%<\/td><\/tr><tr><td>Above 15 months\u201324 months<\/td><td>6.55%<\/td><td>7.05%<\/td><\/tr><tr><td>Above 24 months\u2013less than 48 months<\/td><td>6.50%<\/td><td>7.00%<\/td><\/tr><tr><td>48 months<\/td><td>6.80%<\/td><td>7.30%<\/td><\/tr><tr><td>Above 48 months\u201310 years<\/td><td>6.40%<\/td><td>6.90%<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p>Rates are for resident term deposits below \u20b93 crore. The same standard rates also apply to NRO deposits, but NRO account holders are not eligible for the senior-citizen premium. Rates are subject to change.<\/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 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=\"Features_of_Federal_Bank_Fixed_Deposits\"><\/span><strong>Features of Federal Bank Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Federal Bank offers different fixed deposit options to meet customers\u2019 financial requirements. Customers can choose cumulative deposits, such as Cash Certificates, where interest is compounded quarterly and paid along with the principal at maturity. Non-cumulative fixed deposits offer periodic interest payouts, with options such as monthly, quarterly, half-yearly or yearly payments, depending on the deposit plan.<\/p>\n\n\n\n<p>Customers can open eligible resident fixed deposits through Federal Bank\u2019s FedNet internet banking platform or FedMobile app, subject to the bank\u2019s terms and conditions. FDs can also be opened at a branch. Premature withdrawal is permitted in eligible cases, but the applicable interest may be reduced by a penalty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Special_FD_Rates_of_Federal_Bank\"><\/span><strong>Special FD Rates of Federal Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Federal Bank offers different interest rates for specific deposit tenures, including 181 days, 15 months and 48 months. It also offers Deposit Plus, a non-callable term deposit for eligible deposits starting at \u20b91 crore plus \u20b91. This product does not allow premature withdrawal and has a separate interest rate schedule. Customers should compare its rate and withdrawal restrictions with those of standard callable FDs before choosing a deposit.<\/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\/fd-for-minors-in-india\/\" aria-label=\"FD for Minors in India: Account Rules, Taxation &amp; Required Documents\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"FD for Minors\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/30153938\/FD-for-Minors.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\/fd-for-minors-in-india\/\">FD for Minors in India: Account Rules, Taxation &amp; Required Documents<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/cumulative-vs-non-cumulative-fd-which-payout-option-earns-more\/\" aria-label=\"Cumulative vs Non-Cumulative FD: Which Payout Option Earns More?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Cumulative vs. Non-Cumulative FD\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD.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\/cumulative-vs-non-cumulative-fd-which-payout-option-earns-more\/\">Cumulative vs Non-Cumulative FD: Which Payout Option Earns More?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/callable-vs-non-callable-fds-why-non-callable-deposits-pay-more\/\" aria-label=\"Callable vs Non-Callable FDs: Why Non-Callable Deposits Pay More\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Callable vs Non-Callable FDs\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs.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\/callable-vs-non-callable-fds-why-non-callable-deposits-pay-more\/\">Callable vs Non-Callable FDs: Why Non-Callable Deposits Pay More<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_about_Fedfina_FD\"><\/span><strong>What about Fedfina FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apart from Federal Bank, investors may also come across Fedfina (Fedbank Financial Services Limited), a separate NBFC and a subsidiary of Federal Bank. Fedfina offers financial products such as gold loans, home loans and loans against property. These are different from Federal Bank\u2019s deposit products.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Things_to_Consider_Before_Opening_a_Federal_Bank_FD\"><\/span><strong>Things to Consider Before Opening a Federal Bank FD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Instead of selecting an FD solely because it offers a <a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/high-interest-rate-fd-2026\/\">higher interest rate<\/a>, consider whether the product suits your financial needs.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><th>Factor<\/th><th>Why It Matters<\/th><\/tr><tr><td>Interest Rate<\/td><td>Determines the return on your deposit. Compare rates across tenures and customer categories.<\/td><\/tr><tr><td>Deposit Tenure<\/td><td>Choose a tenure that aligns with when you may need the funds.<\/td><\/tr><tr><td>Premature Withdrawal<\/td><td>Federal Bank generally applies a 1% penalty on premature withdrawal of rupee term deposits below \u20b93 crore if held for more than 15 days. No penalty applies if the deposit is held for 15 days or less. Premature closure may reduce the interest payable.<\/td><\/tr><tr><td>Interest Payout Option<\/td><td>Choose a cumulative deposit for interest at maturity or a non-cumulative deposit for periodic payouts, depending on your requirements.<\/td><\/tr><tr><td>Deposit Insurance<\/td><td>Eligible Federal Bank deposits are covered by DICGC insurance up to \u20b95 lakh per depositor per bank, including principal and interest. Deposits across the bank\u2019s branches are aggregated when calculating this limit, for accounts held in the same right and capacity.<\/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-1784637790046\"><strong class=\"schema-faq-question\">Q1. <strong>What will be the highest Federal Bank FD interest rate in November 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\">The highest standard callable FD rate is 6.80% p.a. for general customers and 7.30% p.a. for eligible senior citizens, on a 48-month deposit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784637806452\"><strong class=\"schema-faq-question\">Q2. <strong>Can I create a Federal Bank FD account online?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Eligible resident fixed deposits can be opened through Federal Bank\u2019s FedNet internet banking platform or FedMobile app, subject to the bank\u2019s terms and conditions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784637816316\"><strong class=\"schema-faq-question\">Q3. <strong>Are there any special fixed deposit schemes by Federal Bank?<\/strong><\/strong> <p class=\"schema-faq-answer\">Federal Bank offers specific-tenure rates and a separate non-callable Deposit Plus product. Deposit Plus has a minimum deposit requirement of \u20b91,00,00,001 and does not allow premature closure.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784637828310\"><strong class=\"schema-faq-question\">Q4. <strong>Is Fedfina the same as Federal Bank?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Fedfina is a separate NBFC and a subsidiary of Federal Bank. It offers lending products, whereas Federal Bank provides banking and deposit services.<\/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 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.<\/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;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\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 product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<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","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Federal Bank offers fixed deposit interest rates ranging from 3.00% to 6.80% p.a. for general customers, while eligible senior&hellip;<\/p>\n","protected":false},"author":16,"featured_media":15501,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[225,25],"tags":[],"class_list":["post-15044","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Bank Fixed Deposit Rates November 2026: Highest FD Rate &amp; Guide<\/title>\n<meta name=\"description\" content=\"Check the latest Federal Bank Fixed Deposit interest rates for November 2026. 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What will be the highest Federal Bank FD interest rate in November 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The highest standard callable FD rate is 6.80% p.a. for general customers and 7.30% p.a. for eligible senior citizens, on a 48-month deposit.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637806452","position":2,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637806452","name":"Q2. Can I create a Federal Bank FD account online?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Eligible resident fixed deposits can be opened through Federal Bank\u2019s FedNet internet banking platform or FedMobile app, subject to the bank\u2019s terms and conditions.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637816316","position":3,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637816316","name":"Q3. Are there any special fixed deposit schemes by Federal Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Federal Bank offers specific-tenure rates and a separate non-callable Deposit Plus product. Deposit Plus has a minimum deposit requirement of \u20b91,00,00,001 and does not allow premature closure.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637828310","position":4,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/#faq-question-1784637828310","name":"Q4. Is Fedfina the same as Federal Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Fedfina is a separate NBFC and a subsidiary of Federal Bank. It offers lending products, whereas Federal Bank provides banking and deposit services.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=15044"}],"version-history":[{"count":9,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15044\/revisions"}],"predecessor-version":[{"id":16947,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15044\/revisions\/16947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/15501"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=15044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=15044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=15044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}