Central Bank of India Fixed Deposit Rates 2025
Central Bank of India offers the Fixed Deposit (FD) scheme with attractive interest rates ranging between 3.50% p.a. and 6.50% p.a. for the general public.
The tenure of the scheme ranges between 7 days and 10 years.
Domestic Term Deposit Interest Rates (Less than Rs.3 crore)
Maturity Period | FD Rates for General Public (p.a.) | FD Rates for Senior Citizens (p.a.) |
7 - 14 days | 3.50% | 4.00% |
15-30 days | 3.75% | 4.25% |
31 - 45 days | 3.75% | 4.25% |
46 -59 days | 4.50% | 5.00% |
60 - 90 days | 4.50% | 5.00% |
91 -179 days | 5.00% | 5.50% |
180 -270 days | 5.50% | 6.00% |
271-364 days | 5.50% | 6.00% |
1 yr to less than 2 yrs | 6.40% | 6.90% |
2 yr to less than 3 years | 6.50% | 7.00% |
3 yr to less than 5 years | 6.25% | 6.75% |
5 years & above up to 10 years | 6.25% | 6.75% |
Note: The above-mentioned fixed deposit rates are effective from 10 September 2025.
Central Bank of India Fixed Deposit Rates (Rs.3 crore to Rs.10 crore)
Maturity Period | Rates for General Public (p.a.) | Rates for Senor Citizens (p.a.) |
7 -14 days | 4.50% | 5.00% |
15 – 30 days | 4.50% | 5.00% |
31 - 45 days | 4.50% | 5.00% |
46 – 59 days | 5.00% | 5.50% |
60 – 90 days | 5.25% | 5.75% |
91 – 179 days | 5.25% | 5.75% |
180 – 270 days | 5.50% | 6.00% |
271 – 364 days | 5.50% | 6.00% |
1 yr to less than 2 yrs | 6.40% | 6.90% |
2 yr to less than 3 years | 6.50% | 7.00% |
3 yr to less than 5 years | 6.25% | 6.75% |
5 years & above up to 10 years | 6.25% | 6.75% |
Note: The above-mentioned fixed deposit rates are effective from 10 September 2025.
Central Bank of India Tax Saving FD Rates
Tenure | Regular FD interest rate (per annum) |
5 years | 6.25% |
Note: The interest rate for the Cent Tax Saving Deposit Scheme is the same as the bank’s 5-year domestic term deposit rate for deposits up to Rs.15 lakh. Rates may vary for senior citizens.
Central Bank of India Special Term FD Rates
Tenure | General Public FD Rates (p.a.) (callable) | Senior Citizen FD Rates (p.a.) (callable) |
444 days | 6.50% | 7.00% |
555 days | 6.50% | 7.00% |
999 days | 6.25% | 6.75% |
Central Bank of India NRE FD Rates
Central Bank of India NRE FD Rates (Less than Rs.3 crore)
Tenure | Interest Rate |
1 year to less than 2 years | 6.40% |
2 years to less than 3 years | 6.50% |
3 years to less than 5 years | 6.25% |
5 years to 10 years | 6.25% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 September 2025.
Central Bank of India NRE FD Rates (Rs.3 crore to Rs.10 crore)
Tenure | Interest Rate |
1 year to less than 2 years | 6.40% |
2 years to less than 3 years | 6.50% |
3 years to less than 5 years | 6.25% |
5 years to 10 years | 6.25% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid as of 10 September 2025.
Central Bank of India FCNR FD Rates
Period Of Deposit | USD | GBP | EUR | CAD | AUD |
1 year to less than 2 years | 5.40% | 4.50% | 3.00% | 1.99% | 2.95% |
2 years to less than 3 years | 4.30% | 4.00% | 2.00% | 1.74% | 2.75% |
3 years to less than 4 years | 4.05% | 3.25% | 1.50% | 1.49% | 2.45% |
4 years to less than 5 years | 3.60% | 3.00% | 1.50% | 1.49% | 2.45% |
5 years only | 3.60% | 3.00% | 1.50% | 1.49% | 2.45% |
*The Central Bank of India FD rates are subject to change at the discretion of the bank. The interest rates given in this table are valid from 10 November 2025.
Features and Benefits of Central Bank of India FD Rates
- Attractive interest rates are offered.
- Nominations can be added.
- The minimum and maximum amounts for opening a new FD/RD account depend on the type of deposit. Generally, the minimum amount is Rs.100.
- The tenure of the scheme ranges between 7 days to several years.
- Loans can be availed against the FD.
- Premature withdrawal facility is provided subject to bank’s rules and penalties.
Eligibility Criteria & Documentation Required
Eligibility
- Corporates, Societies, Clubs, Companies, Partnership Firms, Professionals, Agents, Merchants, and Private Traders
- Illiterate Persons
- Blind Persons
- Hindu Undivided Families (HUFs)
- Educational and charitable institutions
- Individuals
Documents
- Two passport-sized photographs.
- Proof of date of birth in the case of minors and senior citizens.
- Proof of address.
- Proof of identity.
FAQs on Central Bank of India Fixed Deposit Rates
- What is the highest interest rate that is offered by Central Bank of India on its FD?
The highest interest rate that is offered by Central Bank of India on its FD is 6.50% p.a. for a tenure that ranges between 2 years to less than 3 years.
- Can I add nominees to the Central Bank of India FD/RD account?
Yes, Central Bank of India provides the option to add nominations to the account.
- How much loan can I avail against my Central Bank of India FD?
Up to 90% of the amount available in the account can be availed as a loan.
- In the case of the Cent Tax Saving Deposit of Central Bank of India, what is the maximum deposit that can be made?
The maximum deposit that can be made in a Cent Tax Saving Deposit is Rs.1.50 lakh.
- Does Central Bank of India offer the auto-renewal facility on its FDs?
Yes, Central Bank of India offers the auto-renewal facility on its FDs.
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