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Repco Bank offers FD interest rates of 4.25-7.75% p.a. to the general public and 4.25-8.50% p.a. to senior citizens on tenures ranging from 7 days to 5 years. The bank also offers special FD rates to women depositors under the Repco Mahila Scheme.
| Repco Bank Fixed Deposit Rates Highlights | |
| Highest slab rate | 7.75% p.a. (1 year to 2 years) |
| For 1 year | 7.75% p.a. |
| For 2 years | 7.75% p.a. |
| For 3 years | 7.25% p.a. |
| For 4 years | 6.25% p.a. |
| For 5 years | 6.25% p.a. |
The interest rates are updated as of 26 August 2025
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Repco Bank FD Interest Rates
Repco FD Rates of Deposits less than Rs 2 crore w.e.f. 1 July 2025
| Tenure | Interest Rates (% p.a.) | |
| General Citizens | Regular Citizens | |
| 30 days – 45 days | 4.25 | 4.25 |
| 46 days – 89 days | 5.00 | 5.00 |
| 90 days – 364 days | 6.25 | 6.75 |
| 12 months/1 year | 7.75 | 8.25 |
| Above 1 year – 2 years | 7.75 | 8.25 |
| Above 2 years – 3 years | 7.25 | 7.75 |
| Above 3 years – 5 years | 6.25 | 6.75 |
| Monthly Payment Scheme (2 years) | – | 8.25 |
Repco Special FD Rates w.e.f. 1 July 2025
| Tenure | Interest Rates (% p.a.) | |
| General Citizens | Regular Citizens | |
| Repco Fortune Plus (12 Months, Income and Growth) | 7.75 | 8.25 |
| Repco Mahila (18 months) for women | 7.80 | 7.80 |
| Repco Anbu Magan (boy child less than 18 years) (tenure – 3 years to 5 years) | 7.00 | – |
| Repco Thanga Magal (girl child less than 18 years) (tenure – 3 years to 5 years) | 7.00 | – |
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 8.00 | 7.25 | 7.25 | 8.00 | 0.20 |
| Jana Small Finance Bank | 8.00 | 7.00 | 7.50 | 8.00 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 7.30 | 7.00 | 7.00 | 7.00 | 0.50 |
| Shivalik Small Finance Bank | 7.30 | 6.00 | 7.00 | 6.50 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.10 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.75 | 6.40 | 6.25 | 6.25 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
Types of Repco Bank FD Schemes
Cumulative Fixed Deposits
Cash Certificate
- Tenure – 1 year to 5 years
- Interest is paid on maturity (compounded quarterly)
- Premature withdrawal of fixed deposits is allowed but subject to a penalty. The penal rate is 1% deducted from the applicable interest rate for the period the deposit has been at the bank
- Mode of operation – Self/E or S/other modes
- Depositors can avail loan against deposit
Mahila Growth
- This is a special scheme exclusively for women depositors, including minor
- Tenure – 18 months
- Interest payment is on maturity (compounded quarterly)
- Preclosure of deposits is allowed but subject to penalty. The penal rate is 1% and is deducted from the applicable rate of interest for the period
- Mode of operation – Self / E or S / other modes
- The scheme also offers loan against deposit facility
- The scheme’s special feature is that females of any age, from one day to more than 100 years old, are eligible for the same special FD rate.
Non-Cumulative Fixed Deposits
Fixed Deposit
- Interest pay-out options include monthly interest payment at a discounted rate and simple interest payment at quarterly, half-yearly and annual rest
- Monthly interest is payable through SB/Cheque/NEFT
- Premature withdrawal of deposits is allowed but subject to penalty. The penal rate is 1% and is deducted from the applicable interest rate for the period
- Mode of operation – Self/E or S/other modes
- Loan on deposit facility is available
OORUNI / MPS
- This is a special scheme for retired and senior citizens wherein a monthly interest pay-out option is offered without discount.
- Eligibility – Senior Citizen of 60 years (55 years for VRS), Defence service 50 years
- Tenure – 2 years
- Deposit amount – Rs 1 lakh to Rs 10 lakh
- Monthly interest amount will be credited to savings account of the depositor or Cheque or NEFT.
- Monthly interest up to Rs.1,000 is offered at residence or doorsteps to individuals above 70 years old resides within 10km of radius of Repco Bank branch.
- Deposits can be prematurely withdrawn but are subject to a penalty. The penal rate is 1% and is deducted from the applicable interest rate for the period
- Loan on deposit facility is available.
Mahila Income
- This is a special scheme for women depositors
- Women FD depositors get the same special rate irrespective of age from 1 to 100 years
- Tenure – 18 months
- Option – Income (Non-cumulative)
- Interest is payable at monthly rest at a discounted rate and quarterly rest at simple interest rate
- FD can be prematurely withdrawn but the interest rate is payable at 1% less than the applicable interest rate for the period
- Mode of operation – Self/E or S/other modes
- First depositor shall be female
- Depositor can avail loan against fixed deposit
REPCO 180
- Repco 180 is a special scheme of short-term fixed deposit
- Tenure – 180 days
- Interest payable is on Maturity at simple interest
- Loan on deposit facility is available
- Premature withdrawal penalties apply as applicable to fixed deposits.