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. 13.06.2025)

Revised

(w.e.f. 10.04.2026)

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

6.40%

6.30%

Above 18 months but less than or equal to -2- years

6.60%

6.50%

Naini Samriddhi - 444 Days

--

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

Tenor

MCLR (APPLICABLE w. e. f. 10.07.2026 to 09.08.2026) (p.a.)

MCLR (APPLICABLE w. e. f. 10.08.2026 to 09.09.2026) (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%

Particulars

Rate (%)

RBI Repo Rate (Current Repo Rate)

5.25

Mark- UP

3.00

Naini Repo Linked Lending Rate(NRLLR)

8.25