Federal Bank (Federal) is a private sector bank, headquartered in Aluva, Kochi, established in 1931. Its headline 1-year FD rate of 6.40% is −0.07% below the private sector average of 6.47%, ranking #11 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 17 Aug 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Federal (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 29 days |
3.00% | 3.50% | Below ₹3 crore (retail) | |
30 days to 45 days |
3.25% | 3.75% | Below ₹3 crore (retail) | |
46 days to 90 days |
4.25% | 4.75% | Below ₹3 crore (retail) | |
91 days to 180 days |
4.50% | 5.00% | Below ₹3 crore (retail) | |
181 days 181-day Special |
6.00% | 6.50% | Below ₹3 crore (retail) | |
182 days to 270 days |
5.50% | 6.00% | Below ₹3 crore (retail) | |
271 days to less than 1 year |
6.00% | 6.50% | Below ₹3 crore (retail) | |
1 year |
6.25% | 6.75% | Below ₹3 crore (retail) | |
Above 1 year to less than 15 Months |
6.40% | 6.90% | Below ₹3 crore (retail) | |
15 Months |
6.65% | 7.15% | Below ₹3 crore (retail) | |
Above 15 Months to 24 Months |
6.40% | 6.90% | Below ₹3 crore (retail) | |
Above 24 months to less than 48 months |
6.50% | 7.00% | Below ₹3 crore (retail) | |
48 months |
6.70% | 7.20% | Below ₹3 crore (retail) | |
Above 48 months to 10 years |
6.40% | 6.90% | 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 |
6.25% | 6.75% | Any amount | |
Above 1 year to less than 15 Months |
6.40% | 6.90% | Any amount | |
15 Months |
6.65% | 7.15% | Any amount | |
Above 15 Months to 24 Months |
6.40% | 6.90% | Any amount | |
Above 24 months to less than 48 months |
6.50% | 7.00% | Any amount | |
48 months |
6.70% | 7.20% | Any amount | |
Above 48 months to 10 years |
6.40% | 6.90% | Any amount |
Deposits with Federal 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 Federal 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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