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Nainital Bank - Fixed Deposit Interest Rates
Rates last updated by the bank on 10-Apr-26. Visit bank site
Rates last updated by the bank on 10-Apr-26.
₹5l DICGC insuredDICGC insured up to ₹5L
•Ranked #40 of 51 banks on FD rates
| KEY TENURES | General | Senior | Super Sr. |
|---|---|---|---|
6 Months | 4.95% | 5.45% | 5.55% |
1 Year | 6.30% | 6.80% | 6.90% |
444 days | 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
Bank Overview
Type
PrivateHeadquarters
NainitalFounded
1922Branches
176DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.27%Strong
CAR
18.96%Strong
PCR
94.01%Strong
LCR
167.22%Strong
CASA
40.48%Strong
Frequently Asked Questions
As of August 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.
Nainital Bank charges a flat 1% penalty. Interest is recalculated at the card rate applicable — on the booking date — for the period the deposit actually stayed, or the contracted rate, whichever is lower, and 1% is deducted from that. Deposits closed within 7 days earn no interest.
As of August 2026, Nainital Bank offers special FD rates for 444 days at 6.6% (7.1% for Seniors).
FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,450
MATURITY DATE
21 Aug 2027
Interest rate6.30% p.a.
Principal₹1,00,000
Total interest₹6,450
Indicative only. Actual figures may vary.