Rates verified from official source

Indian Overseas Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Indian Overseas Bank offers up to 6.60% p.a. on its fixed deposit (FD) (444 Days) for general customers and 7.00% p.a. (3 years to < 5 years) for senior citizens. Rates below are as published by the bank — confirm with IOB before investing.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General / Senior / Super Senior · trend over time

2%3%4%5%6%7% 7-14 Days*: 3.50% 7–45 days: 4.00% 15-29 Days: 3.50% 30-45 Days: 3.50% 46-60 Days: 4.00% 46–90 days: 5.00% 61-90 Days: 3.00% 91-120 Days: 3.50% 91–180 days: 5.50% 121-179 Days: 2.90% 180-269 Days: 4.75% 181 days to < 1 year: 6.30% 270 Days to < 1 Year: 5.50% 1 Year: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) > 1 Year to < 2 Years (Except 444 Days): 6.40% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 Days · 444-day Special: 6.60% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 Years to < 3 Years: 6.40% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 Years and above: 6.10% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 6.50% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.50% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d15d1m2m2m2m3m3m4m6m6m9m1y1y444d2y3y3y5y General Post Office TD Special scheme

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.

2%3%4%5%6%7% 7-14 Days*: 3.50% (General: 3.50%) 7–45 days: 4.50% (General: 4.00%) 15-29 Days: 3.50% (General: 3.50%) 30-45 Days: 3.50% (General: 3.50%) 46-60 Days: 4.00% (General: 4.00%) 46–90 days: 5.50% (General: 5.00%) 61-90 Days: 3.00% (General: 3.00%) 91-120 Days: 3.50% (General: 3.50%) 91–180 days: 6.00% (General: 5.50%) 121-179 Days: 2.90% (General: 2.90%) 180-269 Days: 4.50% (General: 4.75%) 181 days to < 1 year: 6.80% (General: 6.30%) 270 Days to < 1 Year: 5.50% (General: 5.50%) 1 Year: 6.50% (General: 6.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) > 1 Year to < 2 Years (Except 444 Days): 6.40% (General: 6.40%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 Days · 444-day Special: 6.60% (General: 6.60%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 Years to < 3 Years: 6.40% (General: 6.40%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 Years and above: 6.10% (General: 6.10%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 7.00% (General: 6.50%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 7.00% (General: 6.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d15d1m2m2m2m3m3m4m6m6m9m1y1y444d2y3y3y5y Senior General Post Office TD Special scheme

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.

4%4.50%5%5.50%6%6.50%7%7.50% 7–45 days: 4.75% (Senior: 4.50%) 46–90 days: 5.75% (Senior: 5.50%) 91–180 days: 6.25% (Senior: 6.00%) 181 days to < 1 year: 7.05% (Senior: 6.80%) 1 year to < 2 years: 7.45% (Senior: 6.40%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 days special · 444-day Special: 7.45% (Senior: 6.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to < 3 years: 7.35% (Senior: 6.40%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to < 5 years: 7.25% (Senior: 7.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.25% (Senior: 7.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m1y444d2y3y5y 4.755.756.257.057.457.457.357.257.25 Super Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorSuper Sr.TrendApplies toAs ofSource
7-14 Days*
 3.50% 3.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
7–45 days
 4.00% 4.50% 4.75% Below ₹3 crore (retail)
15 May 2026
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aggregator
sourced from third-party
15-29 Days
 3.50% 3.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
30-45 Days
 3.50% 3.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
46-60 Days
 4.00% 4.00% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
46–90 days
 5.00% 5.50% 5.75% Below ₹3 crore (retail)
15 May 2026
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sourced from third-party
61-90 Days
 3.00% 3.00% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
91-120 Days
 3.50% 3.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
91–180 days
 5.50% 6.00% 6.25% Below ₹3 crore (retail)
15 May 2026
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aggregator
sourced from third-party
121-179 Days
 2.90% 2.90% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
180-269 Days
 4.75% 4.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
181 days to < 1 year
 6.30% 6.80% 7.05% Below ₹3 crore (retail)
15 May 2026
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270 Days to < 1 Year
 5.50% 5.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
1 Year
 6.50% 6.50% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
> 1 Year to < 2 Years (Except 444 Days)
 6.40% 6.40% 7.45% Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
444 Days
444-day Special
 6.60% 6.60% 7.45% Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
2 Years to < 3 Years
 6.40% 6.40% 7.35% Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
3 Years and above
 6.10% 6.10% — Below ₹3 crore (retail)
15 May 2026
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official
fetched 18 Sept 2026
3 years to < 5 years
 6.50% 7.00% 7.25% Below ₹3 crore (retail)
15 May 2026
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aggregator
sourced from third-party
5 years to 10 years
 6.50% 7.00% 7.25% Below ₹3 crore (retail)
15 May 2026
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aggregator
sourced from third-party
Source ↗

IOB Fixed Deposit: frequently asked questions

What is the highest IOB Fixed Deposit interest rate?

As of 5 Oct 2026, Indian Overseas Bank offers up to 6.60% p.a. on its fixed deposit (FD) (444 Days) for general customers and 7.00% p.a. (3 years to < 5 years) for senior citizens. Rates below are as published by the bank — confirm with IOB before investing.

What is the IOB 1 year FD interest rate?

As of 5 Oct 2026, Indian Overseas Bank offers 6.50% p.a. on a 1-year FD for general customers and 6.50% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at IOB?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Indian Overseas Bank, depending on the tenure.

Is my fixed deposit (FD) with IOB insured?

Deposits with Indian Overseas Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these IOB rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 15 May 2026. Rates can change without notice, so verify on the official IOB website before investing.

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Good to know

Deposits with Indian Overseas 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.

official Effective 15 Dec 2025 · Ingested 4 Oct 2026 · Verified 5 Oct 2026 · View source

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