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    Oriental Bank Fixed Deposit Rates
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 6.85% Quarterly compounding
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    Response Time Within 30 minutes
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    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6.5% - 6.85% Quarterly compounding
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    Response Time Within 30 minutes
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    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
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    Up to ₹25L
    1 Year to 5 Years
    7.72% - 8.65% Monthly compounding
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    Oriental Bank Fixed Deposit Rates is Rated as "Excellent!" by 16 Users

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    Oriental Bank Fixed Deposit Rates

    Oriental Bank of Commerce (OBC) is one bank where you can get a variety of Fixed Deposit (FD) options and great interest rates. The main advantage that this bank offers when compared to others is their diverse range of deposit options.

    FD rates can be changed at the bank’s discretion with changes in market rate cycles. This can make it hard for depositors to ascertain the latest rates on offer from the bank and to choose the most beneficial scheme. OBC lets customers deposit savings and extra funds for varying tenures which can be for very short terms to medium, and long terms depending on individual requirements.

    The below table lets customers view the latest rates offered by the bank. All changes made by the bank to any of its FD schemes is captured here on a real-time basis.

    The updated list of OBC Bank FD Rates, for Regular and Senior Citizen, is listed below:

    Tenure Regular FD Rate (per annum) Senior Citizen FD Rate (per annum)
    7 days to 30 days 4.00% 4.50%
    31 days to 45 days 4.75% 5.25%
    46 days to 90 days 5.25% 5.75%
    91 days to 179 days 5.75% 6.25%
    180 days to 269 days 6.20% 6.70%
    270 days to 364 days 6.40% 6.90%
    1 year to less than 2 years 6.60% 7.10%
    2 years to less than 3 years 6.50% 7.00%
    3 years to 10 years 6.40% 6.90%
    Minimum and Maximum Oriental Bank fd interest rates 2018 for Regular and Senior Citizen
    Oriental Bank FD Rates

    Oriental Bank of Commerce Short Term Fixed Deposit Rates

    • Oriental Bank of Commerce offers its depositors with attractive rates of interest on short term deposits, allowing them with the luxury of high returns while maintaining liquidity.
    • Oriental Bank of Commerce offers deposits of 7 days - 30 days at the rate of interest of 4.00% p.a.
    • The rate of interest is boosted from a mere 4.00% p.a. to 4.75% p.a. for a duration of 31 - 45 days.
    • Tenures of 46 days to 90 days earn interest at the rate of 5.25% p.a.
    • Furthermore, 5.75% p.a. is the rate of interest levied to tenures of 91 days - 179 days.
    • The rate of interest for tenures between 180 days- 269 days is 6.20% p.a.

    Oriental Bank of Commerce Medium and Long Term Fixed Deposit Rates

    • Oriental Bank of Commerce offers high interest rates on longer tenure durations.
    • For medium term tenures of 270 days - less than 1 year, a rate of interest of 6.40% p.a. is offered.
    • While the interest rate for tenures of 1 - less than 2 years is  6.60% p.a.
    • A rate of interest of 6.50% p.a. is offered to tenure durations of 2 years- less than 3 years.
    • Deposits of 3 years - 10 years are provided at the rate of  6.40% p.a.

    Oriental Bank of Commerce Senior Citizens Fixed Deposit Rates

    Oriental Bank of Commerce extends an additional 0.50% on the standard bank rates to its customers who are above the age of 60 years and therefore come under the category of senior citizens.

    Useful Links

    Know how to Link Your KYC Dcuments to OBC Bank Account

    How to Link PAN Card with OBC Bank Account How to link Aadhar Card with Oriental Bank Account

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    News About Oriental Fixed Deposit

    • Interest rates on OBC’s fixed deposits slashed

      The interest rates for Oriental Bank of Commerce’s fixed deposits under Rs 1 crore have witnessed a cut. The public sector lender in a statement said the rates across maturities will now be from to 0.25%, with effect from Monday March 28, 2016.

      For maturities with tenures 31 days to 45 days, the bank has slashed interest rate from 6% to 5.5% for deposits less than Rs 1 crore. In a similar way, for maturity tenures 46 days to 90 days maturity, interest rate is cut by 0.5% to 6%. The new interest rate for maturities 91 days to 179 days has been slashed by 0.5% to 6.25%.

      Maturities with tenure one year to less than two years, have the new interest rate at 7.5% from 7.75%; tenures two years to less than three years are now available at 7.25%. Maturities with three years to less than five years term is 7.25%; for maturities with terms ranging from five years to 10 years the current interest rate applicable will be 7.25%.

      25 March 2016

    • Oriental Bank of Commerce Cuts Lending Rates

      Oriental Bank of Commerce (OBC), a public sector bank cut its base rate, or minimum rate, by 0.1%. At the current rate of 9.90%, the EMIs will be lower for borrowers. The slashed base rate from 10 percent to 9.90% came into effect from August 17, 2015.

      The bank has also cut the interest rate on fixed deposits by 0.25% which will be applicable on select maturities. The interest rates on term deposits between 91 days to 10 years shall also be reduced by 0.25 % which will be effective from October 5, 2015.

      The slashed interest rate cuts are a result of the RBI revising its benchmark repo (short-term lending) rate by 0.50% in its 4th bimonthly monetary policy review.

      9 October, 2015

    • Oriental Bank cuts deposit rates

      Oriental Bank of Commerce reduced deposit rates for select maturities by 0.25 percent. The change will be with effect from August 5, 2015. The bank has reduced the deposit rates by 0.25 percent to 7 percent for maturities between 91 to 179 days. For deposits maturing in 270 days to less than a year, the interest rate will be 7.5 percent. Oriental Bank of Commerce’s shares closed at Rs.182.15 on BSE, it was up by 4.68 percent.

      4 August 2015

    • Fixed Deposit rate cuts by Oriental Bank

      State owned lender Oriental Bank of Commerce on Friday cut base rates on Fixed Deposits. Oriental Bank of Commerce reduced interest rate on fixed deposits by up to 0.25% on selected maturities. The new rates will be effective from May 15th 2015. The rate cut comes after RBI’s major rate cuts.

      11 May 2015

    • OBC Follows SBI - Cuts Rates

      Public sector banks have apparently begun acting on cues from the country’s largest bank, the State Bank of India.

      Oriental Bank of Commerce, a leading public bank, has reduced short-term rates on retail deposits. The cut is specific to its deposit schemes of 46 days to 90 days. The interest rate for this product now stands at 7.5%, signifying a 0.50% reduction from the previous rate of 8.00%. Additionally, a 0.25% rate cut has been effected on its deposit scheme of 91 days to 179 days for amounts up to Rs.1 crore The rate now stands at 8.25%.

      Credit growth is at an all-time low over the last decade causing banks to reassess their interest payout structures.

      24 October 2014

    • PNB Inspires OBC Rate Cut

      Responding to cues from SBI, the country’s leading public bank, PNB cut rates on its term bulk deposits for periods up to one year. This got the ball rolling for other PSUs, who were expected to cut deposit rates following SBI’s measure to deal with excess liquidity and poor credit uptake.

      The next big PSU bank to go SBI and PNB’s way is OBC who effected a 0.50% reduction on short-term retail deposit schemes of 46 - 90 days. The new rate for this tenor stands at 7.5%. Deposit holdings for 91 - 179 days saw a similar reduction from 8.50% to 8.25% for amounts below Rs.1 crore.

      Punjab National Bank brought down rates by 0.25% from 7.50% to 7.25% for holdings between 1 - 3 months and from 8.75% to 8.50% for holdings between 91 days - 1 year.

      PNB’s retail deposit rates remain unchanged, offering higher returns than SBI whose rates for terms above 1 year was reduced to 8.75%..

      24 October 2014

    Oriental Bank Fixed Deposit Reviews

    Write a Review
    • Oriental Bank of Commerce Fixed Deposit
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Despite of holding a savings account with OBC. I do maintain a Fixed Deposit with them. The staffs of my branch are very nice and the banking process is fast with them. This FD was opened by my father . It is basically a joined account hold by my father and me.
      Was this review helpful? 9

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      , patna
      Reviewed on May 13, 2016
    • Oriental Bank of Commerce Fixed Deposit
      "Rate is less for deposit.."
      0.5 3.0/5 "Satisfactory"
      Overall good the Oriental bank of Commerce is for fixed deposit. The interest rate is below 9% and this is low infact. Absolutely it is a compounding rate and the bank will credit the rate once in a year. I feel the rate to be less so it can be increased.
      Was this review helpful? 13

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      , new delhi
      Reviewed on Jan 22, 2016
    • Oriental Bank of Commerce Fixed Deposit
      "satisfied..."
      0.5 4.0/5 "Great!"
      I have an account at Oriental Bank of Commerce and felt comfortable to open fixed deposit. Fixed deposit interest rate is something around 9.8% per annum and this is a simple rate. I just took it for short duration so never inquired about penalty.
      Was this review helpful? 6

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      , hyderabad
      Reviewed on Dec 30, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "ORIENTAL BANK OF COMMERCEFixed Deposit"
      0.5 3.5/5 "Pretty good"
      Returns of Fixed Deposit is not that great in Oriental Bank of Commerce as they are offering 7% of rate. Secondly if we break the plan in midst of the tenure then we have to compromise something. Other than than being a government organization it is secured and transparent.
      Was this review helpful? 0

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      , faridabad
      Reviewed on Dec 08, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Good..."
      0.5 4.0/5 "Great!"
      Returns of Fixed Deposit is not that great in Oriental Bank of Commerce as they are offering 7% of rate. Secondly if we break the plan in midst of the tenure then we have to compromise something. Other than than being a government organization it is secured and transparent.
      Was this review helpful? 2

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      , kanpur
      Reviewed on Aug 25, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Interest rate offered for the Fixed deposit plan from Oriental bank of commerce is 8.5%.I have taken the plan for the tenure for 3 years. If the tenure increase the interest rate will be Little bit high . For the tax purpose we can go for 5 year tenure. There is no minimum lock in period. If we break the plan in between the tenure there will be a penalty charge. There is no hidden charges and any additional charges for this plan.Customer service is very poor it would be good if they try to give the service like the private banks.
      Was this review helpful? 6

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      , mumbai
      Reviewed on Jun 25, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Excellent"
      0.5 4.0/5 "Great!"
      I have the fixed deposit plan from oriental bank of commerce for the tenure of five years with the interest rate of 8.75%. For my plan there is no pre maturity offer. I took this plan for the tax purpose. No extra charge for starting the FD plan. Customer support is good in the oriental bank.
      Was this review helpful? 5

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      , lucknow
      Reviewed on Jun 03, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Fixed Deposit of Oriental Bank of Commerce"
      0.5 5.0/5 "Blown Away!"
      preferable bank of mine is OBC bank because of Interest Rate. I want to do FD for nine month and I have compared Interest Rate between SSBJ bank and OBC Bank. Interest Rate (8.00%) of OBC bank is good compare to SBBJ Bank.. I am happy for FD service.
      Was this review helpful? 12

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      , panchkula
      Reviewed on May 08, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Excellent service!!"
      0.5 5.0/5 "Blown Away!"
      Most preferable bank of mine is Oriental bank of commerce because the staff are very cooperative and professional. Oriental bank of commerce is reasonably good in all the terms and the interest rate is between 8.75%-9%. I am happy in all the parameters and particularly of fixed deposit service.
      Was this review helpful? 5

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      , delhi
      Reviewed on Mar 30, 2015
    • Oriental Bank of Commerce Fixed Deposit
      "Very good"
      0.5 3.0/5 "Satisfactory"
      Whatever they are offering it is good and I never faced any issues. I visited branch to open Fixed deposit and they assisted well during the process. I opened it for one year of tenor but I am not very sure whether the rate is compound interest. Rate of interest will be calculated at the end of the tenor and rate of interest is normal in Oriental Bank of Commerce. Internet banking is attractive and user friendly.
      Was this review helpful? 6

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      , hyderabad
      Reviewed on Nov 20, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "Good"
      0.5 3.5/5 "Pretty good"
      Rate of interest for Fixed deposit is good and there are no extra charges. I availed it for tenor of 5 years and certainly tax deduction is standard like other banks. Oriental bank of commerce is giving compound interest for long term FD, which is one of the good feature. They could improve a little better in response and could also improve their customer service.
      Was this review helpful? 1

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      , pune
      Reviewed on Nov 20, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "More interaction is required"
      0.5 4.0/5 "Great!"
      Interest rate offered for fixed deposit is 10.25% in Oriental bank of commerce. There should be some improvisation in terms of customer service team where there could be more coordination. Branch services is simple in terms of depositing the money. My suggestion is customer care needs to interact with people and provide solutions to customers.
      Was this review helpful? 5

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      , new delhi
      Reviewed on Oct 28, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "My FD with Oriental bank of commerce"
      0.5 4.0/5 "Great!"
      Four years ago I have opened a fixed deposit with Oriental bank of commerce. I am maintaining around 5 lakhs for a tenure of 7 years. Rate of interest is more than 9%. I have a very good experience so far and the services are excellent. I strongly recommend the bank.
      Was this review helpful? 2

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      , new delhi
      Reviewed on Sep 03, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      The first benefit is that i am holding a salary account with Oriental Bank of commerce and i did not find any difficulties in applying the Fixed deposit with this account. I have invested up-to Seven lakhs into my fixed deposit account, the interest rate is nominal and its not too high. The overall service is good.
      Was this review helpful? 2

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      , dehradun
      Reviewed on Aug 22, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      It was very easy for me to create a fixed deposit with Oriental bank of commerce because I have an account with them. No documentation required for creating the FD. I am not dealing with this anymore because my son is taking car of this fixed deposit. I have deposited more than rs50000 every year. Rate of interest for the last year was around 9.5%. Only concern is they are not flexible in working hours and customer service really needs improvement.
      Was this review helpful? 2

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      , ghaziabad
      Reviewed on Aug 05, 2014
    • Oriental Bank of Commerce Fixed Deposit
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am a customer maintaining the fixed deposit with Oriental bank of commerce for the past one year. Big advantage is my spouse is an employee of the bank. Rate of interest was also good and the customer service is excellent. Online facility is also very convenient for managing the fixed deposit.
      Was this review helpful? 0

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      , new delhi
      Reviewed on Jul 10, 2014
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    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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