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Special Fixed Deposit Scheme: To control the rising inflation in the country, the Reserve Bank of India has increased its repo rate several times in the last 7 months. This has affected the interest rates of FD Rates, RD Rates and Savings Account offered by banks. For this reason, for the last several months, banks are continuously increasing the interest rates of their fixed deposit schemes. Along with this, many banks are also launching special FD schemes for their customers.
Recently, the country’s largest public sector banks Punjab National Bank and Indian Overseas Bank have launched a special FD scheme for their customers in a fixed period. Banks are offering the highest interest rate on a fixed tenure FD scheme. If you are also planning to do FD in these two banks, then we are giving you information about the bank’s FD scheme.
PNB is offering 7.85 percent interest rate
Punjab National Bank has offered a special FD scheme of 600 days (PNB Special FD Scheme). Under this scheme, the bank is offering a bumper return bank to senior citizens and super senior citizens. This interest rate is being offered on FD schemes of less than Rs 2 crore. According to the information given on the official website of the bank, the bank is offering 7.00 percent interest rate on 600 days callable FD to the general citizens. At the same time, the bank is offering 7.50 percent interest rate to senior citizens. At the same time, the bank is offering 0.80 percent interest rate to the super senior citizens as compared to the normal citizens. In such a situation, the maximum return is getting 7.80 percent.
At the same time, ordinary citizens are getting an interest rate of 7.05 percent on the bank’s 600-day non-callable FD (in which withdrawal is not allowed before maturity). On the other hand, senior citizens are getting 7.05 percent interest rate on the bank for this period. At the same time, super citizens are getting 0.80 percent more interest than normal citizens. In such a situation, customers above 80 years of age are getting full returns of up to 7.85 percent.
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Indian Overseas Bank is offering 7.15 percent interest rate
While talking about Indian Overseas Bank FD Rates, this bank has decided to increase the interest rate in its FD scheme. The new rates have come into effect from 10 November 2022. According to the information given on the official website of the bank, the bank has decided to increase the interest rate by up to 60 basis points. After this increase, the bank is offering an interest rate of up to 6.40 percent to its general customers for a period of 444 days. At the same time, the bank is offering an interest rate of 6.90 percent to senior citizens and 7.15 percent to super senior citizens.
On the other hand, the bank 3.60 percent on FDs of 7 to 45 days, the bank 3.85 percent interest rate on 61 to 90 days, 4.20 percent on FDs of 91 to 179 days, 4.85 percent on FDs of 180 to 259 days, 270 days to 1 The bank is offering an interest rate of 5.2 5 percent on FDs up to one year and 6.30 percent on FDs from 1 to 2 years. On the other hand, the bank is offering 6.40 percent interest rate on FD of 444 days, 6.30 percent interest rate on FDs from 2 to 3 years and 6.40 percent interest rate to ordinary citizens on FDs of more than 3 years.
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