The Central Bank of India provides fixed deposit plans with interest rates that differ according to the deposited amount and the chosen tenure. As of October 2026, general citizens can earn between 3.50% and 6.50% per annum, while senior citizens are eligible for rates ranging from 4.00% to 7.00% per annum, reflecting an extra 0.50% interest across applicable tenures.
The bank also introduces special FD schemes featuring attractive rates, making it a good choice for those seeking secure and guaranteed returns. This article outlines the most recent Central Bank of India FD interest rates for both general and senior citizens, along with important information on tenures and special schemes.
Standard Domestic Term Deposit Rates (Below ₹3 Crore)
| Tenure / Period | General Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 7 days to 14 days | 3.00% | 3.50% |
| 15 days to 45 days | 3.50% | 4.00% |
| 46 days to 59 days | 4.25% | 4.75% |
| 60 days to 90 days | 4.00% | 4.50% |
| 91 days to 179 days | 4.25% | 4.75% |
| 180 days to 270 days | 5.50% | 6.00% |
| 271 days to 364 days | 5.50% | 6.00% |
| 1 year to less than 2 years | 6.10% | 6.60% |
| 2 years to less than 3 years | 6.25% | 6.75% |
| 3 years to less than 5 years | 6.00% | 6.50% |
| 5 years to 10 years | 6.00% | 6.50% |
Special & High-Yield Schemes
| Scheme / Special Tenure | General Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 333 Days Scheme | 6.50% | 7.00% |
| 444 Days Scheme (Highest Return) | 6.75% | 7.25% |
| 555 Days Scheme | 6.30% | 6.80% |
| Cent Tax Saving FD (5 Years) | 6.00% | 6.50% |
The 444-day and 555-day non-callable deposits offer 0.10% more interest than their callable counterparts, while the longer CENT Green Deposit tenures carry the highest listed senior-citizen rate at 7.25% per annum.
The bank's 5-year Cent Tax Saving Deposit offers 6.25% per annum to general depositors, though senior-citizen rates may vary. It is eligible for deduction under Section 80C, subject to the standard ₹1.50 lakh annual cap and a five-year lock-in period.
Key Highlights
- Highest General Rate: 6.75% p.a. (available on the 444-day special scheme or selected medium-term slabs).
- Highest Senior Citizen Rate: 7.25% p.a. (available on the 444-day special scheme).
- Bulk Deposits (₹3 crore to ₹10 crore): General rates range from 4.00% to 6.25% p.a., while senior citizen rates range from 4.50% to 6.75% p.a. (effective September 28, 2026).
- Deposit Insurance: All term deposits are insured up to ₹5 lakh per depositor by the DICGC.
How to Verify Current Rates?
Since interest rates change frequently (often monthly or quarterly), the data above might not reflect today's exact rates. For the most accurate and up-to-date information:
- Visiting the Official Website: Check the "Interest Rates" section on the official Central Bank of India website.
- Checking Recent Notifications: Look for the specific "w.e.f." (with effect from) date on any rate table you view online.
- Contacting the Branch: Your local branch will have the latest rate chart available.
Additional Information and Terms
- Tax Savings (Section 80C): The 5-Year Cent Tax Saving Deposit permits deductions of up to ₹1,50,000 per financial year under Section 80C.
- Premature Withdrawal: Allowed for callable deposits, typically with a 1.00% penalty applied to the applicable interest rates.
- Loan Facility: Loans of up to 90% of the deposit amount can be availed against FDs.
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