Rates verified from official source

Central Bank of India
deposit rates

Top FD rate
6.85%
444 days · 444-Day Non-Callable
Senior citizen FD
7.35%
444 days · 444-Day Non-Callable
Savings rate
2.50%
Up to ₹10 crore
1-year FD rank
#9
of 12 public sector banks · 6.10%

Overview

www.centralbankofindia.co.in

Central Bank of India (Central) is a nationalised public sector bank, headquartered in Mumbai, established in 1911. Its headline 1-year FD rate of 6.10% is −0.14% below the public sector average of 6.24%, ranking #9 of 12 public sector banks.

Headquarters
Mumbai
Established
1911
Branches
~4,500 approx.
Ownership
Government of India (majority stakeholder)
Operates in
All India (nationwide)

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
14.93%
Capital adequacy
Net NPA
0.61%
Bad loans (net)

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

1-year FD rate
6.10%
−0.14% below the public sector average of 6.24%
Peer rank
#9
of 12 public sector banks
Recent movement
Tracking started

Rates as of 10 May 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at Central (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

4%5%6%7% 7 to 14 days: 4.00% 15 to 30 days: 4.25% 31 to 45 days: 4.25% 46 to 59 days: 4.75% 60 to 90 days: 4.50% 91 to 179 days: 4.50% 180 to 270 days: 5.50% 271 to 364 days: 6.00% 333 days · 333-Day Non-Callable: 6.60% 1 year to less than 2 years: 6.10% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 days · 444-Day Non-Callable: 6.85% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 555 days · 555-Day Non-Callable: 6.40% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to less than 3 years: 6.25% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m6m9m11m1y444d555d2y3y5y General Post Office TD Special scheme

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.

3%4%5%6%7% 7 to 14 days: 4.50% (General: 3.00%) 15 to 30 days: 4.75% (General: 3.50%) 31 to 45 days: 4.75% (General: 3.50%) 46 to 59 days: 5.25% (General: 4.25%) 60 to 90 days: 5.00% (General: 4.00%) 91 to 179 days: 5.00% (General: 4.25%) 180 to 270 days: 6.00% (General: 5.50%) 271 to 364 days: 6.50% (General: 6.00%) 333 days · 333-Day Non-Callable: 7.10% (General: 6.60%) 1 year to less than 2 years: 6.60% (General: 6.10%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 days · 444-Day Non-Callable: 7.35% (General: 6.85%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 555 days · 555-Day Non-Callable: 6.90% (General: 6.40%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to less than 3 years: 6.75% (General: 6.25%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.50% (General: 6.00%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.50% (General: 6.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m6m9m11m1y444d555d2y3y5y Senior General Post Office TD Special scheme

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.

3%4%5%6%7% 7 to 14 days: 4.50% (Senior: 3.50%) 15 to 30 days: 4.75% (Senior: 4.00%) 31 to 45 days: 4.75% (Senior: 4.00%) 46 to 59 days: 5.25% (Senior: 4.75%) 60 to 90 days: 5.00% (Senior: 4.50%) 91 to 179 days: 5.00% (Senior: 4.75%) 180 to 270 days: 6.00% (Senior: 6.00%) 271 to 364 days: 6.50% (Senior: 6.50%) 333 days · 333-Day Non-Callable: 7.10% (Senior: 7.10%) 1 year to less than 2 years: 6.60% (Senior: 6.60%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 days · 444-Day Non-Callable: 7.35% (Senior: 7.35%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 555 days · 555-Day Non-Callable: 6.90% (Senior: 6.90%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to less than 3 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.50% (Senior: 6.50%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.50% (Senior: 6.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m6m9m11m1y444d555d2y3y5y Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorTrendApplies to
7 to 14 days
 3.00% 3.50% Below ₹3 crore
7 to 14 days
 4.00% 3.50% ₹3 crore to ₹10 crore
15 to 30 days
 3.50% 4.00% Below ₹3 crore
15 to 30 days
 4.25% 4.00% ₹3 crore to ₹10 crore
31 to 45 days
 3.50% 4.00% Below ₹3 crore
31 to 45 days
 4.25% 4.00% ₹3 crore to ₹10 crore
46 to 59 days
 4.25% 4.75% Below ₹3 crore
46 to 59 days
 4.75% 4.75% ₹3 crore to ₹10 crore
60 to 90 days
 4.00% 4.50% Below ₹3 crore
60 to 90 days
 4.50% 4.50% ₹3 crore to ₹10 crore
91 to 179 days
 4.25% 4.75% Below ₹3 crore
91 to 179 days
 4.50% 4.75% ₹3 crore to ₹10 crore
180 to 270 days
 5.50% 6.00% Below ₹3 crore
180 to 270 days
 5.50% 6.00% ₹3 crore to ₹10 crore
271 to 364 days
 6.00% 6.50% Below ₹3 crore
271 to 364 days
 6.00% 6.50% ₹3 crore to ₹10 crore
333 days
333-Day Callable
 6.50% 7.00% — Any amount
333 days
333-Day Non-Callable
 6.60% 7.10% — ₹1 crore and above
1 year to less than 2 years
 6.10% 6.60% Below ₹3 crore
1 year to less than 2 years
 6.10% 6.60% ₹3 crore to ₹10 crore
444 days
444-Day Callable
 6.75% 7.25% — Any amount
444 days
444-Day Non-Callable
 6.85% 7.35% — ₹1 crore and above
555 days
555-Day Callable
 6.30% 6.80% — Any amount
555 days
555-Day Non-Callable
 6.40% 6.90% — ₹1 crore and above
2 years to less than 3 years
 6.25% 6.75% Below ₹3 crore
2 years to less than 3 years
 6.25% 6.75% ₹3 crore to ₹10 crore
3 years to less than 5 years
 6.00% 6.50% Below ₹3 crore
3 years to less than 5 years
 6.00% 6.50% ₹3 crore to ₹10 crore
5 years to 10 years
 6.00% 6.50% Below ₹3 crore
5 years to 10 years
 6.00% 6.50% ₹3 crore to ₹10 crore
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
1 year to less than 2 years
 6.10% 6.60% Any amount
2 years to less than 3 years
 6.25% 6.75% Any amount
3 years to less than 5 years
 6.00% 6.50% Any amount
5 years to 10 years
 6.00% 6.50% Any amount
Source ↗

Savings account rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
Any tenure
 2.50% — — Up to ₹10 crore
Source ↗

Good to know

Deposits with Central Bank of India 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.

official Effective 10 May 2026 · Verified 26 Sept 2026 · View source

Informational only — always confirm the current rate on the official Central 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.