Rates verified from official source

Central Bank of India Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Central Bank of India offers up to 6.85% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.35% p.a. (444 days) for senior citizens. Rates below are as published by the bank — confirm with Central before investing.

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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 toAs ofSource
7 to 14 days
 3.00% 3.50% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
✓ verified 5 Oct 2026
7 to 14 days
 4.00% 3.50% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
✓ verified 5 Oct 2026
15 to 30 days
 3.50% 4.00% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
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15 to 30 days
 4.25% 4.00% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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31 to 45 days
 3.50% 4.00% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
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31 to 45 days
 4.25% 4.00% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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46 to 59 days
 4.25% 4.75% Below ₹3 crore
10 Aug 2026
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46 to 59 days
 4.75% 4.75% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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60 to 90 days
 4.00% 4.50% Below ₹3 crore
10 Aug 2026
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60 to 90 days
 4.50% 4.50% ₹3 crore to ₹10 crore
26 Sept 2026
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91 to 179 days
 4.25% 4.75% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
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91 to 179 days
 4.50% 4.75% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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180 to 270 days
 5.50% 6.00% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
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180 to 270 days
 5.50% 6.00% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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271 to 364 days
 6.00% 6.50% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
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271 to 364 days
 6.00% 6.50% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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333 days
333-Day Callable
 6.50% 7.00% Any amount
10 Jun 2026
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fetched 26 Sept 2026
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333 days
333-Day Non-Callable
 6.60% 7.10% ₹1 crore and above
10 Jun 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
1 year to less than 2 years
 6.10% 6.60% Below ₹3 crore
10 Aug 2026
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fetched 26 Sept 2026
✓ verified 5 Oct 2026
1 year to less than 2 years
 6.10% 6.60% ₹3 crore to ₹10 crore
26 Sept 2026
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fetched 26 Sept 2026
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444 days
444-Day Callable
 6.75% 7.25% Any amount
10 Aug 2026
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fetched 26 Sept 2026
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444 days
444-Day Non-Callable
 6.85% 7.35% ₹1 crore and above
10 Aug 2026
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fetched 26 Sept 2026
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555 days
555-Day Callable
 6.30% 6.80% Any amount
10 Dec 2025
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fetched 26 Sept 2026
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555 days
555-Day Non-Callable
 6.40% 6.90% ₹1 crore and above
10 Dec 2025
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fetched 26 Sept 2026
✓ verified 5 Oct 2026
2 years to less than 3 years
 6.25% 6.75% Below ₹3 crore
10 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
2 years to less than 3 years
 6.25% 6.75% ₹3 crore to ₹10 crore
26 Sept 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
3 years to less than 5 years
 6.00% 6.50% Below ₹3 crore
10 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
3 years to less than 5 years
 6.00% 6.50% ₹3 crore to ₹10 crore
26 Sept 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
5 years to 10 years
 6.00% 6.50% Below ₹3 crore
10 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
5 years to 10 years
 6.00% 6.50% ₹3 crore to ₹10 crore
26 Sept 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Central Fixed Deposit: frequently asked questions

What is the highest Central Fixed Deposit interest rate?

As of 5 Oct 2026, Central Bank of India offers up to 6.85% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.35% p.a. (444 days) for senior citizens. Rates below are as published by the bank — confirm with Central before investing.

What is the Central 1 year FD interest rate?

As of 5 Oct 2026, Central Bank of India offers 6.10% p.a. on a 1-year FD for general customers and 6.60% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at Central?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Central Bank of India, depending on the tenure.

Is my fixed deposit (FD) with Central insured?

Deposits with Central Bank of India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Central rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 10 Aug 2026. Rates can change without notice, so verify on the official Central website before investing.

More Central rates

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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 · Ingested 26 Sept 2026 · Verified 5 Oct 2026 · View source

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