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Nainital Bank offers FD interest rates of 3.25-6.60% p.a. to the general public and 3.75-7.10% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The interest rate on Nainital Bank Tax Saving FDs is 5.75% p.a. for the general public for tenures of 5 to 10 years.
|
Nainital Bank FD Interest Rates (p.a.) Highlights |
|
| Highest slab rate | 6.60% (for Above 18 months to 2 years) |
| For 1 year | 6.40% |
| For 2 years | 6.60% |
| For 3 years | 6.25% |
| For 4 years | 5.75% |
| For 5 years | 5.75% |
| Tax-Saving FD | 5.75% |
The interest rates are updated as of 18 February 2026
Book FDs at Interest rate upto 8.00% p.a
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Nainital Bank FD Rates
Fixed Deposit Interest Rates on Domestic deposits of less than Rs 2 crore w.e.f. 11 December 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days to 14 days | 3.25 | 3.75 |
| 15 days to 30 days | 3.25 | 3.75 |
| 31 days to 45 days | 3.25 | 3.75 |
| 46 days to 90 days | 4.25 | 4.75 |
| 91 days to 179 days | 4.25 | 4.75 |
| 180 days to less than 270 days | 4.95 | 5.45 |
| 270 days to less than 1 year | 5.75 | 6.25 |
| 1 year to 18 months | 6.40 | 6.90 |
| Above 18 months to 2 years | 6.60 | 7.10 |
| Above 2 years to 3 years | 6.25 | 6.75 |
| Above 3 years to 5 years | 5.75 | 6.25 |
| Above 5 years to 10 years | 5.35 | 5.85 |
Nainital Bank Tax Saver Deposit
| Tenure | Interest Rates (% p.a.) |
| 5 years to 10 years | 5.75 |
Types of Nainital Bank FD Schemes
Regular Fixed Deposits
- Minimum deposit amount: Rs 1,000
- Tenure: 1 year to 10 years
- Interest will be accrued/paid on a quarterly basis and if the date of interest payment falls on holidays then, the same will be paid on the next working day
- Nomination facility is available
- Senior citizens are offered an additional 0.50% interest rate over regular FD rates
- Additional 1% interest is offered to staff members of the bank
- Additional 1.50% interest is offered to staff members who are senior citizens (i.e. 1% normal staff privilege plus 0.50% as a benefit given to senior citizens)
Short Term Deposit
- Minimum deposit amount: Rs 1,000
- Tenure: 7 days to 1 year
- Interest will be accrued/paid on a quarterly basis and if the date of interest payment falls on holidays then, the same will be paid on the next working day
- Nomination facility is available
- Additional 0.50% interest rates are offered to senior citizens
Re-Investment Deposit
- Minimum deposit amount: Rs 1,000
- Interest will be compounded on a quarterly basis and if the date of interest payment falls on holidays then, the same will be paid on the next working day
- Senior citizens are offered an additional 0.50% interest rate over regular FD rates
Nani Tax Saver Scheme
- Deposits under this scheme are eligible for tax deduction under Section 80C of the Income Tax Act
- Tenure: 5 years to 10 years
- Interest will be calculated on a quarterly rest basis
- Deposit can be accepted under RIDS/FDR scheme
- Nomination facility is available
- Loan or any type of credit facility is not available against the security of the deposit
Premature Withdrawal of Fixed Deposits
- Fixed deposits cannot be prematurely withdrawn before completion of 5 years except in case of death of the depositor
- Premature withdrawal is not allowed in Nani Tax Saver Scheme
- In case of premature payment of FD, the interest rate will be 1% less than the interest rate applicable for the duration the deposit remained with the bank