Rates verified from official source

Central Bank of India Fixed Deposit interest rates · November 2026

Central's best Fixed Deposit rate is 7.00% (2222 days), 3.00 points below the best on the market (10.00%).

  • Seniors: up to 7.50% (2222 days), 0.50 points above the general rate for that tenure.

What will my FD earn at Central?

Estimated value after 1 year · before tax ₹5,31,205 6.10% p.a. · ₹31,205 interest · quarterly compounding
Deposit amount
Deposit type

Showing 16 of 47 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 14 days
CallableBelow ₹3 crore
3.00% 3.50% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Oct 2026
15 to 45 days
2 slabs at this rate
CallableBelow ₹3 crore
3.50% 4.00% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Oct 2026
46 to 59 days
CallableBelow ₹3 crore
4.25% 4.75% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Oct 2026
60 to 90 days
CallableBelow ₹3 crore
4.00% 4.50% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Oct 2026
91 to 179 days
CallableBelow ₹3 crore
4.25% 4.75% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Oct 2026
180 to 270 days
CallableBelow ₹3 crore
5.50% 6.00% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Sept 2026
271 to 364 days
CallableBelow ₹3 crore
6.00% 6.50% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Sept 2026
333 days
333-Day
CallableAny amount
6.50% 7.00% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 26 Sept 2026
1 year to less
than 2 years
CallableBelow ₹3 crore
6.10% 6.60% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Sept 2026
444 days
444-Day
CallableAny amount
6.90% 7.40% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 11 Nov 2026
555 days
555-Day
CallableAny amount
6.30% 6.80% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 26 Sept 2026
2 years to
less than 3 years
CallableBelow ₹3 crore
6.25% 6.75% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Sept 2026
3 years to
10 years
2 slabs at this rate
Callable
6.00% 6.50% Below ₹3 crore
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 18 Sept 2026
1111 days
Cent Green Deposit
6.75% 7.25% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 11 Nov 2026
2222 days
Cent Green Deposit
7.00% 7.50% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 11 Nov 2026
3333 days
Cent Green Deposit
7.00% 7.50% Any amount
10 Nov 2026
✓ verified 11 Nov 2026
official
fetched 11 Nov 2026

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Central FD return examples

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

6.10%
Before you book

Central Fixed Deposit: frequently asked questions

What is the highest Central Fixed Deposit interest rate?

As of 14 Nov 2026, Central Bank of India offers up to 7.00% p.a. on its fixed deposit (FD) (2222 days) for general customers and 7.50% p.a. (2222 days) for senior citizens. Rates below are as published by the bank. Confirm with Central before investing.

See today's top interest rates →

What is the Central 1-year FD interest rate?

As of 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 11 Nov 2026. Source: the bank's official rate page.

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What is the Central 2-year FD interest rate?

As of 14 Nov 2026, Central Bank of India offers 6.25% p.a. on a 2-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 11 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Central 3-year FD interest rate?

As of 14 Nov 2026, Central Bank of India offers 6.00% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 11 Nov 2026. Source: the bank's official rate page.

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What is the Central 5-year FD interest rate?

As of 14 Nov 2026, Central Bank of India offers 6.00% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 11 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

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.

See today's top senior citizen rates →

When did Central last change its Fixed Deposit rates?

Central Bank of India last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 11 Nov 2026: the general rate for 1111 days went from 6.25% to 6.75%. RateScan.in has tracked Central's rates since 18 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does Central offer?

Central Bank of India's published fixed deposit (FD) rate table has 13 tenure bands, from “7 to 14 days” to “5 years to 10 years”.

Does Central have special fixed deposit (FD) schemes?

Central Bank of India's rate table lists these named schemes (7): 333-Day Callable; 333-Day Non-Callable; 444-Day Callable; 444-Day Non-Callable; 555-Day Callable…. Check eligibility and end dates with the bank.

Does Central pay more than the Post Office Time Deposit?

Central Bank of India pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.10% (PO 6.90%), 2y 6.25% (PO 7.00%), 3y 6.00% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does Central's 1-year FD rate rank?

Central Bank of India's 1-year general FD rate of 6.10% ranks #809 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

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 14 Nov 2026; the bank's rates shown here are effective 10 Nov 2026. Rates can change without notice, so verify on the official Central website before investing.

Rate movements →

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Good to know

  • Deposits with Central Bank of India 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.
  • Central is a public sector bank, majority owned by the Government of India. Deposit insurance is still the DICGC cover above.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Central, depending on the tenure.
  • Central's FD table includes 7 special schemes; check eligibility and end dates.

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.