Rates verified from official source

Nainital Bank interest rates · November 2026

Top FD rate
6.60%
Naini Samriddhi (444 days) · Naini Samriddhi
Savings rate
2.65%
Any amount

Nainital FD rates

1 year6.30%3 years6.25%5 years5.75%
All tenures, calculator and comparison →

What will my FD earn at Nainital?

Estimated value after 1 year · before tax ₹5,32,252 6.30% p.a. · ₹32,252 interest · quarterly compounding
Compare 1 year across banks → Save or plan this →

Overview

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 #729 of 1033 banks on RateScan.in.

Headquarters
Nainital
Established
1922
Branches
~170 approx.
Monitored since
22 Sept 2026
Ownership
Private sector bank (subsidiary of Bank of Baroda)
Operates in
Delhi, Haryana, Maharashtra, Rajasthan, Uttarakhand, Uttar Pradesh

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
17.80%
Capital adequacy
Net NPA
0.55%
Bad loans (net)

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.

RBI record

Every RBI press release since 1 Jan 2024 that names Nainital Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

  1. RBI fined the bank ₹61.40 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Interest Rate on Advances’ and ‘Customer Service in Banks’”

    What RBI found

    “The bank did not benchmark certain floating rate loans extended to MSMEs to an external benchmark rate; and The bank levied penal charges for non-maintenance of minimum balance in savings bank accounts at flat rates instead of the charges being directly proportionate to the extent of shortfall.”

    RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”

    RBI press release 2024-2025/2172

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

179 branches in 39 districts

Most branches: Udham Singh Nagar 28, Nainital 26, Dehradun 18

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Nainital Fixed Deposit rate changes

Changes to Nainital's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

26 Sept 2026
▲ 1 raised+0.15 pp
  • 46–90 days · General4.10% → 4.25% 0.15 pp

See all Nainital rate changes →

Credit rating

What independent credit rating agencies say about Nainital Bank. Every rating links to the document it comes from, so you can check it yourself.

We could not find a credit rating for Nainital Bank from any SEBI-registered agency (checked 9 Nov 2026). That does not mean the bank is unsafe: many banks are simply not rated. You can check the agency websites below.

Note: Our search of rating-agency publications and stock-exchange filings found no published rating for Nainital Bank (checked 27 Oct 2026). That does not prove none exists, so check the agency websites below.

How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with Nainital 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.
  • Nainital is a private sector bank regulated by the RBI.
  • Nainital's FD table includes 2 special schemes; check eligibility and end dates.
official Effective 10 Apr 2026 · Ingested 26 Sept 2026 · Verified 13 Nov 2026 · View source

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