Bandhan Bank interest rates · November 2026
Bandhan FD rates
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Overview
Bandhan Bank (Bandhan) is a private sector bank, headquartered in Kolkata, established in 2015. Its headline 1-year FD rate of 7.00% is 0.56% above the private sector average of 6.44%, ranking #295 of 1033 banks on RateScan.in.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 20 Jun 2026, verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.
RBI record
Every RBI press release since 1 Jan 2024 that names Bandhan Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹41.80 lakh
RBI's reason: “for contravention of the provisions of section 20(1)(b)(iii) of the Banking Regulation Act, 1949 (BR Act) and non-compliance with certain directions issued by RBI on ‘Know Your Customer’”
What RBI found
“The bank failed to carry out periodic review of risk categorisation of certain categories of accounts, and The bank had sanctioned director related loans.”
RBI says: “The action is based on deficiencies in statutory and regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
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RBI fined the bank ₹44.70 lakh
RBI's reason: “for contravention of section 10(1)(b)(ii) of the Banking Regulation Act, 1949 (BR Act), and non-compliance with certain directions issued by RBI on ‘Automation of Income Recognition, Asset Classification and Provisioning processes in banks’”
What RBI found
“The bank paid remuneration in the form of commission to certain employees; and The bank had carried out manual intervention through back-end in respect of data of certain accounts and had not captured the audit trails / logs of access with specific user details in the system.”
RBI says: “The action is based on deficiencies in statutory and regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
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RBI fined the bank ₹29.55 lakh
RBI's reason: “for non-compliance with certain directions on ‘Reserve Bank of India (Interest Rate on Deposits) Directions, 2016’”
What RBI found
“The charge of pertaining to opening of savings deposit account of an ineligible entity was sustained.”
RBI says: “The above enforcement action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
2,008 branches in 497 districts
Most branches: North 24 Parganas 79, Delhi 75, Kolkata 68
From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.
Bandhan rates
Every rate, tenure by tenure, and what your money grows to.
Bandhan Fixed Deposit rate changes
Changes to Bandhan's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Bandhan's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.
Compare Bandhan with other banks
See Bandhan FD rates side by side against India's top banks.
Good to know
- Deposits with Bandhan Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Bandhan is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Bandhan, depending on the tenure.
Informational only. Always confirm the current rate on the official Bandhan website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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