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 #2 of 20 private banks.
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.
Estimate returns at Bandhan (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 days to 14 days |
2.95% | 3.70% | Below ₹3 crore (retail) | |
15 days to 30 days |
2.95% | 3.70% | Below ₹3 crore (retail) | |
31 days to less than 2 months |
3.45% | 4.20% | Below ₹3 crore (retail) | |
2 months to less than 3 months |
4.20% | 4.95% | Below ₹3 crore (retail) | |
3 months to less than 6 months |
4.20% | 4.95% | Below ₹3 crore (retail) | |
6 months to less than 1 year |
4.20% | 4.95% | Below ₹3 crore (retail) | |
1 year |
7.00% | 7.50% | Below ₹3 crore (retail) | |
1 year 1 day to 1 year 9 months |
7.00% | 7.50% | Below ₹3 crore (retail) | |
1 year 9 months 1 day to less than 2 years |
7.00% | 7.50% | Below ₹3 crore (retail) | |
2 years to less than 3 years |
7.45% | 7.95% | Below ₹3 crore (retail) | |
3 years to less than 5 years |
7.25% | 7.75% | Below ₹3 crore (retail) | |
5 years to up to 10 years |
5.85% | 6.60% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
7.00% | 7.50% | Any amount | |
1 year 1 day to 1 year 9 months |
7.00% | 7.50% | Any amount | |
1 year 9 months 1 day to less than 2 years |
7.00% | 7.50% | Any amount | |
2 years to less than 3 years |
7.45% | 7.95% | Any amount | |
3 years to less than 5 years |
7.25% | 7.75% | Any amount | |
5 years to up to 10 years |
5.85% | 6.60% | Any amount |
Deposits with Bandhan Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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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