Latest Bandhan Bank FD Rates 2025

A Bandhan Bank fixed deposit lets you invest a lump sum for a fixed tenure and receive guaranteed returns at a set interest rate. But there is no single FD rate for everyone. The Bandhan Bank FD interest rate depends on:

1. Tenure
   • Longer tenures usually offer better rates than very short deposits.
2. Deposit size
   • Retail deposits (below ₹3 crore) and bulk deposits (₹3 crore and above) follow different slabs.
3. Customer category
   • Senior citizens earn preferential rates on most domestic FDs.
4. FD type (callable vs non-callable)
   • Non-callable deposits may offer slightly higher rates but restrict premature withdrawal.

Bandhan Bank fixed deposits offer a mix of safety, flexibility, and predictable growth:

• Guaranteed returns: the rate stays locked through the tenure.
• Wide tenure range: from short-term buckets to years up to 10 years.
• Low entry point: minimum deposit generally starts at ₹1,000.
• Choice of payout: monthly/quarterly interest payout or cumulative at maturity.
• Premature withdrawal: allowed for callable FDs with a penalty (usually ~1% on applicable rate).
• Loan / overdraft against FD: access liquidity without breaking your deposit.
• Nomination & auto-renewal available for convenience.

These features make a Bandhan FD suitable for both short-term parking and long-term wealth stability.

Bandhan Bank offers multiple FD products depending on your goal and liquidity preference.

1. Standard / Regular Fixed Deposit

This is the common FD product with flexible tenure range, cumulative and non-cumulative options, and a premature withdrawal facility (penalty applies).

2. Dhan Samriddhi / Reinvestment FD

A reinvestment-style FD where interest is compounded and paid at maturity. It’s good for wealth building over time.

3. Tax Saver FD

For tax planning, Bandhan’s tax saving FD qualifies under Section 80C (up to ₹1.5 lakh per FY):

• Lock-in: 5 years
• Premature withdrawal: not allowed

4. Neo+ Digital FD

A paperless FD opened online with Video KYC, suitable for new-to-bank users.

5. NRE / NRO Fixed Deposits for NRIs

Bandhan offers NRE, NRO, and FCNR(B) term deposits for NRIs with repatriable and foreign-currency options.

When choosing between FD types, align with your cash-flow needs:

Cumulative FD (Best for Growth)

• Interest compounds over the tenure
• Maturity = principal + interest
• Ideal if you don’t need regular payouts.

Non-Cumulative FD (Best for Regular Income)

• Interest paid periodically: monthly or quarterly
• Suitable for retirees and investors seeking predictable income.

For Indian Residents

To start opening an FD with Bandhan Bank, you typically need:

• PAN card (mandatory for most deposits)
• Aadhaar / Passport / Voter ID / Driving License (identity proof)
• Address proof if not covered by Aadhaar
• Recent photograph (branch route)

For NRIs (NRE/NRO/FCNR FDs)

NRIs generally require:

• Valid passport and visa / residence permit
• Overseas address proof
• Proof of NRI status (employment/student/resident documents)
• PAN (recommended for taxation and compliance)

Exact KYC documents can vary slightly by branch or digital flow, but the above is the standard set.

FD interest is fully taxable under "Income from Other Sources."

TDS thresholds (standard rules)

• Regular citizens: TDS applies if total FD interest exceeds ₹40,000 in a FY
• Senior citizens: threshold ₹50,000

Avoiding TDS (if eligible)

• Form 15G (regular citizens)
• Form 15H (senior citizens)

Even if TDS is deducted, you must report total FD interest in your ITR; excess deduction can be claimed as refund.

Bandhan Bank allows premature closure on most callable FDs, but:

• interest is recalculated at the rate applicable to the actual tenure held
• a penalty (often around 1%) is deducted from that rate
• tax saver FDs don’t allow closure before 5 years lock-in

If liquidity matters to you, pick a tenure you can hold comfortably.

Rather than breaking your FD in an emergency, you can take a loan against it:

• loan value generally up to ~90% of deposit
• interest slightly above your FD rate
• FD continues to earn, while you get liquidity

Opening a Bandhan Bank FD is straightforward. Choose one of these common routes:

1. Online (Digital)

Visit Bandhan Bank's netbanking or mobile app, complete the application, upload KYC, and fund the FD. Many digital flows support Video KYC for new customers.

2. Branch

Visit the nearest Bandhan Bank branch with original documents and fill the FD application form. Pay by cash, cheque, or transfer.

3. Phone / Relationship Manager

Some customers can open FDs through a phone banking request or with the help of a relationship manager (especially bulk or HNI customers).

Choose the route that best suits your comfort with digital KYC and convenience.

Bandhan Bank FDs are a reasonable option for conservative investors seeking stable returns with the flexibility of different tenures and payout choices. Compare rates across banks, consider your liquidity needs, and factor in taxation before locking funds.