Federal Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Federal?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 29 days |
3.00% | 3.60% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
30 days to 45 days |
3.25% | 3.85% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
46 days to 90 days |
5.00% | 5.60% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
91 days to 180 days |
5.10% | 5.70% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
181 days to 270 days |
6.00% | 6.60% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
271 days to less than 1 year |
6.05% | 6.65% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
1 year |
6.50% | 7.10% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
Above 1 year to less than 2 years 2 slabs at this rate |
6.55% | 7.15% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
18 Months |
6.80% | 7.40% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
2 years to less than 3 years |
6.80% | 7.40% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
3 years to 10 years |
6.60% | 7.20% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
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Federal 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
1 year
6.55%Before you book
Federal Fixed Deposit: frequently asked questions
What is the highest Federal Fixed Deposit interest rate?
As of 14 Nov 2026, Federal Bank offers up to 6.80% p.a. on its fixed deposit (FD) (18 Months) for general customers and 7.40% p.a. (18 Months) for senior citizens. Rates below are as published by the bank. Confirm with Federal before investing.
What is the Federal 2-year FD interest rate?
As of 14 Nov 2026, Federal Bank offers 6.80% p.a. on a 2-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Federal 3-year FD interest rate?
As of 14 Nov 2026, Federal Bank offers 6.60% p.a. on a 3-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Federal 5-year FD interest rate?
As of 14 Nov 2026, Federal Bank offers 6.60% p.a. on a 5-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Federal?
Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at Federal Bank, depending on the tenure.
When did Federal last change its Fixed Deposit rates?
Federal Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 13 Nov 2026: the senior citizen rate for 46 days to 90 days went from 4.75% to 5.60%. RateScan.in has tracked Federal's rates since 19 Sept 2026.
What fixed deposit (FD) tenures does Federal offer?
Federal Bank's published fixed deposit (FD) rate table has 12 tenure bands, from “7 days to 29 days” to “3 years to 10 years”.
Does Federal pay more than the Post Office Time Deposit?
Federal Bank pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 2y 6.80% (PO 7.00%), 3y 6.60% (PO 7.10%), 5y 6.60% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Federal's 1-year FD rate rank?
Federal Bank's 1-year general FD rate of 6.55% ranks #583 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Federal insured?
Deposits with Federal Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Federal rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 12 Nov 2026. Rates can change without notice, so verify on the official Federal website before investing.
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Good to know
- Deposits with Federal Bank 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.
- Federal is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.60% p.a. more than general customers at Federal, depending on the tenure.
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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