Nainital Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Nainital?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 45 days 3 slabs at this rate |
3.25% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
46 to 179 days 2 slabs at this rate |
4.25% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
180 days to less than 270 days |
4.95% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
270 days to less than 1 year |
5.75% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
1 year to less than 444 days |
6.30% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Naini Samriddhi (444 days) Naini Samriddhi |
6.60% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
445 days to 18 months |
6.30% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Above 18 months to 2 years |
6.50% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Above 2 years to 3 years |
6.25% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Above 3 years to 5 years |
5.75% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Naini Tax Saver Scheme (5 years) Naini Tax Saver |
5.75% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
Above 5 years to 10 years |
5.35% | – | Any amount | 10 Apr 2026 ✓ verified 13 Nov 2026 | official captured from the bank's rate card 26 Sept 2026 |
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Nainital FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.30%Before you book
Nainital Fixed Deposit: frequently asked questions
What is the highest Nainital Fixed Deposit interest rate?
As of 14 Nov 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 14 Nov 2026, Nainital Bank offers 6.30% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 10 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Nainital 2-year FD interest rate?
As of 14 Nov 2026, Nainital Bank offers 6.50% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 10 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Nainital 3-year FD interest rate?
As of 14 Nov 2026, Nainital Bank offers 6.25% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 10 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Nainital 5-year FD interest rate?
As of 14 Nov 2026, Nainital Bank offers 5.75% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 10 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
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.
When did Nainital last change its Fixed Deposit rates?
Nainital Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 26 Sept 2026: the general rate for 46–90 days went from 4.10% to 4.25%. RateScan.in has tracked Nainital's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does Nainital offer?
Nainital Bank's published fixed deposit (FD) rate table has 13 tenure bands, from “7 to 14 days” to “Above 5 years to 10 years”.
Does Nainital have special fixed deposit (FD) schemes?
Nainital Bank's rate table lists these named schemes (2): Naini Samriddhi; Naini Tax Saver. Check eligibility and end dates with the bank.
Does Nainital pay more than the Post Office Time Deposit?
Nainital Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.30% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.25% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Nainital's 1-year FD rate rank?
Nainital Bank's 1-year general FD rate of 6.30% ranks #729 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 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 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.
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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