Saving Bank Account Interest Rate-(w.e.f 10.01.2026) Interest rate on Saving Bank Deposit 2.65% Term Deposits Deposit Interest Rates NATURE RATE OF INTEREST MINIMUM BALANCE NORMAL SENIOR CITIZEN Rural Semi Urban Urban ACCOUNT 1. Savings Bank A/c A. Domestic a. With cheque book facility 2.65 2.65 500.00 1000.00 2000.00 b. Without cheque book facility 2.65 2.65 500.00 1000.00 2000.00 c. Basic Savings Bank Deposit Account 2.65 2.65 0.00 0.00 0.00 B. Non Resident a. NRO NA b. NRE 2. Term Deposits A. Domestic Rate of Interest Term Deposits (All Maturities) Existing (w.e.f. 18.04.2025) Revised (w.e.f. 13.06.2025) 7-14 days 3.25% 3.25% 15-30days 3.25% 3.25% 31-45days 3.25% 3.25% 46-90 days 4.25% 4.25% 91-179 days 4.25% 4.25% 180 days and above but less than 270 days 4.95% 4.95% 270 days and above but less than -1- year 5.75% 5.75% -1- year and above but less than or equal to 18 months 6.50% 6.40% Above 18 months but less than or equal to -2- years 6.70% 6.60% Above -2 -years but less than or equal to -3- years 6.25% 6.25% Above -3- years but less than or equal to –5- years 5.75% 5.75% Above-5- years but less than or equal to upto 10 years 5.35% 5.35% Naini Tax Saver Scheme* 5.75% 5.75% B. Non-Resident Accounts a. NRO (All Maturities) NA b. NRE (All Maturities) Rate of Interest 1 year & above but < 2 years 2 years & above but < 3 years 3 years & above but < 4 years 4 years & above but < 5 years For 5 years (Maximum) c. FCNR(B) NA i) USD ii) GBP iii) EUR iv) CAD v) AUD
NATURE RATE OF INTEREST MINIMUM BALANCE NORMAL SENIOR CITIZEN Rural Semi Urban Urban ACCOUNT 1. Savings Bank A/c A. Domestic a. With cheque book facility 2.65 2.65 500.00 1000.00 2000.00 b. Without cheque book facility 2.65 2.65 500.00 1000.00 2000.00 c. Basic Savings Bank Deposit Account 2.65 2.65 0.00 0.00 0.00 B. Non Resident a. NRO NA b. NRE 2. Term Deposits A. Domestic Rate of Interest Term Deposits (All Maturities) Existing (w.e.f. 18.04.2025) Revised (w.e.f. 13.06.2025) 7-14 days 3.25% 3.25% 15-30days 3.25% 3.25% 31-45days 3.25% 3.25% 46-90 days 4.25% 4.25% 91-179 days 4.25% 4.25% 180 days and above but less than 270 days 4.95% 4.95% 270 days and above but less than -1- year 5.75% 5.75% -1- year and above but less than or equal to 18 months 6.50% 6.40% Above 18 months but less than or equal to -2- years 6.70% 6.60% Above -2 -years but less than or equal to -3- years 6.25% 6.25% Above -3- years but less than or equal to –5- years 5.75% 5.75% Above-5- years but less than or equal to upto 10 years 5.35% 5.35% Naini Tax Saver Scheme* 5.75% 5.75% B. Non-Resident Accounts a. NRO (All Maturities) NA b. NRE (All Maturities) Rate of Interest 1 year & above but < 2 years 2 years & above but < 3 years 3 years & above but < 4 years 4 years & above but < 5 years For 5 years (Maximum) c. FCNR(B) NA i) USD ii) GBP iii) EUR iv) CAD v) AUD
MCLR (Marginal Cost of Funds Based Lending Rate) for the Period 10.01.2026 to 09.02.2026 Tenor MCLR (APPLICABLE w. e. f. 10.12.2025 to 09.01.2026) (p.a.) MCLR (APPLICABLE w. e. f. 10.01.2026 to 09.02.2026) (p.a.) Overnight MCLR 7.90% 7.90% MCLR for One month 8.00% 8.00% MCLR for Three Months 8.20% 8.20% MCLR for Six months 8.45% 8.45% MCLR for 1 Year 8.75% 8.75% MCLR for 2 Year and above 9.95% 9.95% NAINI REPO LINKED LENDING RATE NRLLR (w.e.f.10.01.2026 - 09.02.2026) Particulars Rate (%) RBI Repo Rate (Current Repo Rate) 5.25 Mark- UP 3.00 Naini Repo Linked Lending Rate(NRLLR) 8.25 INTEREST RATE STRUCTURE FOR LOANS/ADVANCES (Consequent upon declaration of Marginal Cost of funds based lending rate) Agriculture Loan Rice Millers Corporate & Real Estate MSME-NRLLR Seed Miller RETAIL SUHANA SAFAR CAR LOAN APNA AASHIANA - HOME LOAN The rates of interest shown on the website are indicative only and are subject to change without prior notice. Customers are advised to visit nearest branch for an updated interest rate. Base Rate = 11.45 % w.e.f 10.1.2026 Repo Rate = 5.25 % w.e.f 10.12.2025
Tenor MCLR (APPLICABLE w. e. f. 10.12.2025 to 09.01.2026) (p.a.) MCLR (APPLICABLE w. e. f. 10.01.2026 to 09.02.2026) (p.a.) Overnight MCLR 7.90% 7.90% MCLR for One month 8.00% 8.00% MCLR for Three Months 8.20% 8.20% MCLR for Six months 8.45% 8.45% MCLR for 1 Year 8.75% 8.75% MCLR for 2 Year and above 9.95% 9.95%
NRLLR (w.e.f.10.01.2026 - 09.02.2026) Particulars Rate (%) RBI Repo Rate (Current Repo Rate) 5.25 Mark- UP 3.00 Naini Repo Linked Lending Rate(NRLLR) 8.25
Agriculture Loan Rice Millers Corporate & Real Estate MSME-NRLLR Seed Miller RETAIL SUHANA SAFAR CAR LOAN APNA AASHIANA - HOME LOAN The rates of interest shown on the website are indicative only and are subject to change without prior notice. Customers are advised to visit nearest branch for an updated interest rate.