Nainital Bank Fixed Deposit Schemes
The FD interest rates offered by Nainital Bank range from 3.25% p.a. to 6.60% p.a. for general public annually for tenure ranging from 7 days to 10 years, and 3.75% p.a. to 7.10% p.a. for senior citizens. Nainital Bank Tax Saving FDs have an annual interest rate of 5.75%. p.a. for the general public for 5 to 10 years of tenure.
Nainital Bank FD Rates
Interest rates on domestic deposits of less than Rs.2 crore that are fixed is given below:
Tenure | Interest rates for the general public (p.a.) | Interest rates for senior citizens (p.a.) |
7 to 14 days | 3.25% | 3.75% |
15 to 30 days | 3.25% | 3.75% |
31 to 45 days | 3.25% | 3.75% |
46 to 90 days | 4.25% | 4.75% |
91 to 179 days | 4.25% | 4.75% |
180 days and above but less than 270 days | 4.95% | 5.45% |
270 days and above but less than 1 year | 5.75% | 6.25% |
1 year and above but <= 18 months | 6.40% | 6.90% |
Above 18 months but <= 2 years | 6.60% | 7.10% |
Above 2 years but <= 3 years | 6.25% | 6.75% |
Above 3 years but <= 5 years | 5.75% | 6.25 |
Above 5 years but <= up to 10 years | 5.35% | 5.85% |
Note: The interest rates mentioned in the above table are effective from 11 December 2025.
Nainital Bank Tax Saver Deposit
Tenure | Interest Rate (p.a.) |
5 years to 10 years | 5.75% |
Note: The interest rates mentioned in the above table are effective from 11 December 2025.
The bank offers nomination facilities to its customers. Customers can go through the latest Nainital Bank fd Interest rates for various tenures.
Types of Nainital Bank Fixed Deposits
- Regular Fixed Deposit
- Short Term Plan
- Re-Investment Deposit
- Naini Gold Sweep In
Features of the Nainital Bank Regular Fixed Deposit
- This scheme offers simple investment deposits and the account can be opened with a minimum amount of Rs.1,000.
- The tenure should be a minimum of 12 months
- The interest will be paid on a quarterly basis
- In case the date for paying interest falls on a holiday, then, you will get the interest on the next working day
- You can renew the deposit
- Repayment of term deposits before maturity is allowed. The interest will be paid at the rate applicable on the date of deposit.
- Nomination facility is available
- Tax is deducted at source, from the interest on Fixed Deposits will be applicable, as per the Income Tax Act, 1961
- If you are a senior citizen, you will get an additional interest of 0.50% for deposits placed less than Rs.1 crore.
Features of the Nainital Bank Short-Term Fixed Deposit
- You can open the account with a minimum investment of Rs.1,000.
- The tenure for the short-term deposit has to be between 7 days and 12 months
- The interest will be paid on a quarterly basis
- In case the date for paying interest falls on a holiday, then, you will get the interest on the next working day
- You can renew the deposit
- Repayment of term deposits before maturity is allowed. The interest will be paid at the rate applicable on the date of deposit.
- Nomination facility is available
- Tax is deducted at source, from the interest on Fixed Deposits will be applicable, as per the Income Tax Act, 1961
- If you are a senior citizen, you will get an additional interest of 0.50% for deposits placed less than Rs.1 crore.
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Features of the Nainital Bank Re-investment Deposit
- This account can be opened with a minimum investment of Rs.1,000.
- The interest will be paid on a quarterly basis
- In case the date for paying interest falls on a holiday, then, you will get the interest on the next working day
- You can renew the deposit
- Repayment of term deposits before maturity is allowed. The interest will be paid at the rate applicable on the date of deposit.
- Nomination facility is available
- Tax is deducted at source, from the interest on Fixed Deposits will be applicable, as per the Income Tax Act, 1961
- If you are a senior citizen, you will get an additional interest of 0.50% for deposits placed less than Rs.1 crore.
Features of the Nainital Bank Naini Gold Sweep In
- Nainital Bank provides 90-day and 30-day Naini Gold Sweep In plans
- You can open it using your current or savings account
- It gives you a means to increase interest in your current or savings account balance
- For savings accounts, the sweep unit will be 90 days, and for current accounts, it will be 30 days
- For savings accounts, the unit value will be Rs. 25,000, and for current accounts, it will be Rs. 100,000
- The Last In, First Out method will be used to liquidate the unit
- According to the Income Tax Act of 1961, tax is subtracted at source from the interest on Naini Gold Sweep In, if applicable
- There are facilities for nominations.
Eligibility of Nainital Bank Fixed Deposit Schemes
- Any resident individual - single accounts, two or more individuals in joint accounts
- Illiterate persons
- Blind persons
- Purdanasheen ladies
- Minors,
- Associations
- Clubs
- Societies
- Trusts, Institutions
- Agencies permitted by the RBI to open a 'Naini Swarn Push Jama Yojana Account' in single/joint names
Documents Required for Nainital Bank Fixed Deposit Schemes
The following documents are required to apply for a Nainital Bank Fixed Deposit Scheme:
- Identity Proof: Aadhaar Card/Voter's ID/Driving Licence/PAN Card/Passport
- Address Proof: Aadhaar Card/Passport/Consumer Gas connection card/Utility bills/PAN Card
- Passport size photographs
FAQs on Nainital Bank Fixed Deposit Schemes
- What is the minimum tenure for a regular fixed deposit with Nainital Bank?
The tenure should be a minimum of 12 months.
- Are Purdanasheen ladies eligible for fixed deposits by Nainital Bank?
Yes, Purdanasheen ladies can open a fixed deposit with Nainital Bank.
- Is nomination facility available for fixed deposits by Nainital Bank?
Yes, the facility of nomination is available.
- Is there an additional interest rate for senior citizens on a regular fixed deposit offered by Nainital Bank?
Yes, an additional interest rate of 0.50% is offered to senior citizens for regular fixed deposits less than Rs.1 crore.
- What is the minimum deposit amount for the short-term fixed deposit with Nainital Bank?
The minimum deposit amount for a short-term fixed deposit is Rs.1,000.
- Can I renew my Re-investment Deposit?
Yes, you can renew your Re-investment Deposit.
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