As of 5 Oct 2026, Federal Bank offers up to 6.70% p.a. on its fixed deposit (FD) (48 months) for general customers and 7.20% p.a. (48 months) for senior citizens. Rates below are as published by the bank — confirm with Federal before investing.
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 | As of | Source |
|---|---|---|---|---|---|---|
7 days to 29 days |
3.00% | 3.50% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
30 days to 45 days |
3.25% | 3.75% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
46 days to 90 days |
4.25% | 4.75% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
91 days to 180 days |
4.50% | 5.00% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
181 days 181-day Special |
6.00% | 6.50% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
182 days to 270 days |
5.50% | 6.00% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
271 days to less than 1 year |
6.00% | 6.50% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
1 year |
6.25% | 6.75% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
Above 1 year to less than 15 Months |
6.40% | 6.90% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
15 Months |
6.65% | 7.15% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
Above 15 Months to 24 Months |
6.40% | 6.90% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
Above 24 months to less than 48 months |
6.50% | 7.00% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
48 months |
6.70% | 7.20% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
|
Above 48 months to 10 years |
6.40% | 6.90% | Below ₹3 crore (retail) | 17 Aug 2026 under verification |
official fetched 19 Sept 2026 |
As of 5 Oct 2026, Federal Bank offers up to 6.70% p.a. on its fixed deposit (FD) (48 months) for general customers and 7.20% p.a. (48 months) for senior citizens. Rates below are as published by the bank — confirm with Federal before investing.
As of 5 Oct 2026, Federal Bank offers 6.40% p.a. on a 1-year FD for general customers and 6.90% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Federal Bank, depending on the tenure.
Deposits with Federal Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 17 Aug 2026. Rates can change without notice, so verify on the official Federal website before investing.
See Federal FD rates side by side against India's top banks.
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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