Citibank N.A. (India) Savings Account interest rates · November 2026
What would I earn at Citibank India?
Enter a whole-rupee balance from ₹1 to ₹10 crore.
How this estimate works
Estimates use a steady balance and simple annual interest. Where the published bands give different results, we show two estimates: applying rates to each portion of the balance, and applying the selected rate to the entire balance. Confirm the method with the bank. The comparison table below uses its existing whole-balance estimate with quarterly compounding, so its figures can differ.
For insured banks, DICGC coverage for eligible deposits includes principal and accrued interest, up to ₹5 lakh across deposits held at the same bank in the same right and capacity. Deposit insurance details ↗
What if I put some in a 1-year FD?
Estimates are before tax. Check early withdrawal terms before choosing an FD.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | All balances | 1 Mar 2023 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
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How much should I keep accessible?
Use your usual balance to compare savings interest, or test keeping some money accessible and putting the rest in an FD.
See balance examples
Citibank India savings account return examples
| Balance | Rate | Interest | Per month |
|---|---|---|---|
| ₹10,000 | 2.50% | ₹252a year | ₹21a month |
| ₹50,000 | 2.50% | ₹1,262a year | ₹105a month |
| ₹1 lakh | 2.50% | ₹2,524a year | ₹210a month |
| ₹5 lakh | 2.50% | ₹12,618a year | ₹1,052a month |
| ₹10 lakh | 2.50% | ₹25,235a year | ₹2,103a month |
| ₹25 lakh | 2.50% | ₹63,088a year | ₹5,257a month |
Open a figure in the savings calculator. Darker shade = higher rate. These examples use the published rate on the whole balance and quarterly compounding. Some banks apply each rate only to the portion of the balance in its band. Rates as of 14 Nov 2026. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
Before you book
Citibank India Savings: frequently asked questions
What is the highest Citibank India Savings interest rate?
As of 14 Nov 2026, Citibank N.A. (India) offers up to 2.50% p.a. on its savings account (All balances) for general customers. Rates below are as published by the bank. Confirm with Citibank India before investing.
When did Citibank India last change its Savings rates?
RateScan.in has recorded no change to Citibank N.A. (India)'s savings account rates since it started tracking them on 27 Oct 2026.
Is my savings account with Citibank India insured?
Deposits with Citibank N.A. (India) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Citibank India rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Mar 2023. Rates can change without notice, so verify on the official Citibank India website before investing.
More Citibank India rates
Savings rates at other banks
Good to know
- Deposits with Citibank N.A. (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.
- Citibank India is a foreign bank operating in India, regulated by the RBI.
Informational only. Always confirm the current rate on the official Citibank India 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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