Indian Overseas Bank Fixed Deposit interest rates · November 2026

As of 14 Nov 2026, Indian Overseas Bank offers up to 6.75% p.a. on its fixed deposit (FD) (444 Days) for general customers and 7.25% p.a. (444 Days) for senior citizens. Rates below are as published by the bank. Confirm with IOB before investing.

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As of 14 Nov 2026, Indian Overseas Bank offers 6.50% p.a. on a 1-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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As of 14 Nov 2026, Indian Overseas Bank offers 6.40% p.a. on a 2-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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As of 14 Nov 2026, Indian Overseas Bank offers 6.10% p.a. on a 3-year FD for general customers and 6.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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As of 14 Nov 2026, Indian Overseas Bank offers 6.10% p.a. on a 5-year FD for general customers and 6.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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

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Indian Overseas Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 10 Nov 2026: the general rate for 121 Days - 179 Days · ₹3 crore & above went from 6.00% to 5.00%. RateScan.in has tracked IOB's rates since 18 Sept 2026.

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Indian Overseas Bank's published fixed deposit (FD) rate table has 17 tenure bands, from “7-14 Days*” to “>3 Year & above”.

Indian Overseas Bank's rate table lists these named schemes (5): Non-Callable; 444-day Special; 444-day Special Non-Callable; IOB Green Deposit; Tax Saver (80C). Check eligibility and end dates with the bank.

Indian Overseas Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 6.40% (PO 7.00%), 3y 6.10% (PO 7.10%), 5y 6.10% (PO 7.50%). PO is the Post Office Time Deposit rate.

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Indian Overseas Bank's 1-year general FD rate of 6.50% ranks #594 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 10 Nov 2026. Rates can change without notice, so verify on the official IOB website before investing.

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