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Interest Rates on Bulk Deposits

Rate of Interest %
(w.e.f. 14-10-2026)
Period ₹1 Cr. to < ₹3 Cr. ₹3 Cr. to < ₹5 Cr. ₹5 Cr. to < ₹7 Cr. ₹7 Cr. to < ₹10 Cr. ₹10 Cr. to < ₹25 Cr. ₹25 Cr. to < ₹50Cr. ₹50 Cr. to < ₹100 Cr. ₹100 Cr. to < ₹200 Cr. ₹200 Cr. to < ₹500 Cr. ₹500 Cr. to ₹1000 Cr.
Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable Callable Non-Callable
7 to 45 Days 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA 3.40 NA
46 to 90 Days 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA 4.90 NA
91 to 179 Days 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA 5.55 NA
180 to 364 Days 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA 6.15 NA
1 year to less than 2 years 6.85 NA 6.85 NA 6.85 NA 6.85 NA 6.85 NA 6.85 NA 6.85 NA 6..85 NA 6.85 NA 6.85 NA
2 years and above 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA 6.40 NA
AKSHAYA TERM DEPOSIT SCHEME-365 DAYS NA 7.20 NA 7.50 NA 7.50 NA 7.50 NA 7.50 NA 7.50 NA 7.60 NA 7.60 NA 7.60 NA 7.60

Bulk Deposit means: Single Rupee term deposits of Rupees one crore and above.

a) The deposits accepted under this scheme are non-callable i.e.

  1. No premature closure of deposit before the due date is permitted for reasons whatsoever.
  2. No deposit loan or secured overdraft is permitted against the deposit.
  3. The deposit shall not be used as security/margin money against the non-fund based limit like bank guarantees.
  4. The deposit gets transferred in the name of nominee/legal heirs in case of death of individual depositor(s), subject to the extant guidelines applicable therefor.