Nainital Bank (Nainital) is a private sector bank, headquartered in Nainital, established in 1922. Its headline 1-year FD rate of 6.30% is −0.18% below the private sector average of 6.48%, ranking #14 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 10 Apr 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Nainital (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.
No separate Senior rate — showing General 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.
No super-senior rate — showing General 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 to 14 days |
3.25% | — | — | Any amount |
15 to 30 days |
3.25% | — | — | Any amount |
31 to 45 days |
3.25% | — | — | Any amount |
46 to 90 days |
4.25% | — | Any amount | |
91 to 179 days |
4.25% | — | — | Any amount |
180 days to less than 270 days |
4.95% | — | — | Any amount |
270 days to less than 1 year |
5.75% | — | — | Any amount |
1 year to less than 444 days |
6.30% | — | — | Any amount |
Naini Samriddhi (444 days) Naini Samriddhi |
6.60% | — | — | Any amount |
445 days to 18 months |
6.30% | — | — | Any amount |
Above 18 months to 2 years |
6.50% | — | — | Any amount |
Above 2 years to 3 years |
6.25% | — | — | Any amount |
Above 3 years to 5 years |
5.75% | — | — | Any amount |
Naini Tax Saver Scheme (5 years) Naini Tax Saver |
5.75% | — | — | Any amount |
Above 5 years to 10 years |
5.35% | — | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.65% | 2.65% | — | Any amount |
Deposits with Nainital 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 Nainital 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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