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Bandhan Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
PrivateHeadquarters
KolkataFounded
2015Branches
1955DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
1.00%Fair
CAR
18.04%Strong
PCR
71.10%Strong
LCR
136.29%Strong
CASA
29.30%Fair
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD | |
|---|---|---|
| Deposit Amount | Under $1M | $1M+ |
| 1 year | 5.04%BEST | 5.04%BEST |
| 1 to <2 years | 4.64% | 4.64% |
| 2 to <3 years | 3.14% | 3.14% |
| 3 to <4 years | 3.14% | 3.14% |
| 4 to <5 years | 3.14% | 3.14% |
| 5 years | 2.14% | 2.14% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year | 7.00% |
1 year to 1 year 9 months | 7.00% |
1 year 9 months to <2 years | 7.00% |
2 to <3 years | 7.45%BEST |
3 to <5 years | 7.25% |
5 to 10 years | 5.85% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, Bandhan Bank offers up to 7.45% p.a. on Fixed Deposits and up to 6.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, Bandhan Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with Bandhan Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 1.00% p.a. over general citizen rates.
Bandhan Bank offers tiered interest rates ranging from 2.70% to 6.00% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
Bandhan Bank FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,186
MATURITY DATE
19 Sept 2027
Interest rate7.00% p.a.
Principal₹1,00,000
Total interest₹7,186
Indicative only. Actual figures may vary.