Rates verified from official source

Nainital Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Nainital Bank offers up to 6.60% p.a. on its fixed deposit (FD) (Naini Samriddhi (444 days)) for general customers. Rates below are as published by the bank — confirm with Nainital before investing.

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Fixed Deposit rates

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

3%4%5%6%7% 7 to 14 days: 3.25% 15 to 30 days: 3.25% 31 to 45 days: 3.25% 46 to 90 days: 4.25% 91 to 179 days: 4.25% 180 days to less than 270 days: 4.95% 270 days to less than 1 year: 5.75% 1 year to less than 444 days: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Naini Samriddhi (444 days) · Naini Samriddhi: 6.60% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 445 days to 18 months: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 18 months to 2 years: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 2 years to 3 years: 6.25% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years to 5 years: 5.75% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Naini Tax Saver Scheme (5 years) · Naini Tax Saver: 5.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 5 years to 10 years: 5.35% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m6m9m1y444d445d549d731d1096d5y1826d 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.

No separate Senior rate — showing General rates.

3%4%5%6%7% 7 to 14 days: 3.25% (General: 3.25%) 15 to 30 days: 3.25% (General: 3.25%) 31 to 45 days: 3.25% (General: 3.25%) 46 to 90 days: 4.25% (General: 4.25%) 91 to 179 days: 4.25% (General: 4.25%) 180 days to less than 270 days: 4.95% (General: 4.95%) 270 days to less than 1 year: 5.75% (General: 5.75%) 1 year to less than 444 days: 6.30% (General: 6.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Naini Samriddhi (444 days) · Naini Samriddhi: 6.60% (General: 6.60%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 445 days to 18 months: 6.30% (General: 6.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 18 months to 2 years: 6.50% (General: 6.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 2 years to 3 years: 6.25% (General: 6.25%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years to 5 years: 5.75% (General: 5.75%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Naini Tax Saver Scheme (5 years) · Naini Tax Saver: 5.75% (General: 5.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 5 years to 10 years: 5.35% (General: 5.35%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m6m9m1y444d445d549d731d1096d5y1826d General 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.

No super-senior rate — showing General rates.

3%4%5%6%7% 7 to 14 days: 3.25% 15 to 30 days: 3.25% 31 to 45 days: 3.25% 46 to 90 days: 4.25% 91 to 179 days: 4.25% 180 days to less than 270 days: 4.95% 270 days to less than 1 year: 5.75% 1 year to less than 444 days: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Naini Samriddhi (444 days) · Naini Samriddhi: 6.60% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 445 days to 18 months: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 18 months to 2 years: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 2 years to 3 years: 6.25% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years to 5 years: 5.75% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Naini Tax Saver Scheme (5 years) · Naini Tax Saver: 5.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 5 years to 10 years: 5.35% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m3m6m9m1y444d445d549d731d1096d5y1826d 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.

TenureGeneralSeniorTrendApplies toAs ofSource
7 to 14 days
 3.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
15 to 30 days
 3.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
31 to 45 days
 3.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
46 to 90 days
 4.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
91 to 179 days
 4.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
180 days to less than 270 days
 4.95% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
270 days to less than 1 year
 5.75% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
1 year to less than 444 days
 6.30% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Naini Samriddhi (444 days)
Naini Samriddhi
 6.60% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
445 days to 18 months
 6.30% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Above 18 months to 2 years
 6.50% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Above 2 years to 3 years
 6.25% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Above 3 years to 5 years
 5.75% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Naini Tax Saver Scheme (5 years)
Naini Tax Saver
 5.75% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Above 5 years to 10 years
 5.35% — Any amount
10 Apr 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Nainital Fixed Deposit: frequently asked questions

What is the highest Nainital Fixed Deposit interest rate?

As of 5 Oct 2026, Nainital Bank offers up to 6.60% p.a. on its fixed deposit (FD) (Naini Samriddhi (444 days)) for general customers. Rates below are as published by the bank — confirm with Nainital before investing.

What is the Nainital 1 year FD interest rate?

As of 5 Oct 2026, Nainital Bank offers 6.30% p.a. on a 1-year FD for general customers.

Do senior citizens get higher Fixed Deposit rates at Nainital?

Nainital Bank does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.

Is my fixed deposit (FD) with Nainital insured?

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

How current are these Nainital rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 10 Apr 2026. Rates can change without notice, so verify on the official Nainital website before investing.

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Good to know

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.

official Effective 10 Apr 2026 · Ingested 26 Sept 2026 · Verified 5 Oct 2026 · View source

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