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Nainital Bank – FD Rates

This bank last updated its deposit rates on 10-Apr-26.

DICGC Insurance: ₹5L
FD Rank: #49 of 59 banks
KEY TENURESGeneralSeniorSuper Sr.
6 Months
4.95%
5.45%
5.55%
9 Months
5.75%
6.25%
6.35%
1 Year
6.30%
6.80%
6.90%
444 Days~1.2 years
6.60%Best
7.10%Best
7.20%Best
2 Years
6.50%
7.00%
7.10%
3 Years
6.25%
6.75%
6.85%
5 Years
5.75%
6.25%
6.35%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
N

Nainital

6.60%444 days
Check all private banks
P

Punjab & Sind

6.85%666 days
Check all public banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
Top NBFC Rate
M

Muthoot Cap

8.95%36 months
Check all NBFCs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
P

Post Office

7.50%5 years
Check Post Office

About Nainital Bank

Bank Overview

Type
Private
Headquarters
Nainital
Founded
1922
Branches
176
DICGC Coverage
₹5 Lakhs

Financial Health Indicators(FY 2026)

NNPA
0.27%
CAR
18.96%
PCR
94.01%
LCR
167.22%
CASA
40.48%

Frequently Asked Questions

Quick answers to the most common questions about Nainital Bank Fixed Deposits.

As of July 2026, Nainital Bank offers a highest interest rate of 6.60% p.a. for general citizens and 7.10% p.a. for senior citizens on fixed deposits.

Yes, Nainital Bank is a registered bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by DICGC, which covers both principal and accrued interest.

The minimum tenure for a fixed deposit with Nainital Bank starts from 444 Days. Longer tenures may offer higher interest rates.

Yes, Nainital Bank offers an additional benefit of up to 0.50% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, Nainital Bank currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.