Federal Bank Recurring Deposit Interest Rates 2025

Listed below are the tenures and RD interest rates offered by Federal Bank RD when it comes to recurring deposits (less than Rs. 3 crore) 

Tenure	Rate of Interest for General Public	Rate of Interest for Senior Citizen
120 days to 180 days	5.00% p.a.	5.50% p.a.
181 days	6.50% p.a.	7.00% p.a.
182 days to 270 days	5.75% p.a.	6.25% p.a.
271 days to less than 1 year	6.00% p.a.	6.50% p.a.
1 year to less than 13 months	6.80% p.a.	7.30% p.a.
13 months to 399 days	7.20% p.a.	7.70% p.a.
400 days	7.25% p.a.	7.75% p.a.
401 days to less than 2 years	7.00% p.a.	7.50% p.a.
2 years to 776 days	7.05% p.a.	7.55% p.a.
777 days	7.25% p.a.	7.75% p.a.
778 days to less than 3 years	7.05% p.a.	7.55% p.a.
3 years to less than 5 years	7.00% p.a.	7.50% p.a.
5 years and above	6.60% p.a.	7.25% p.a.

Note : These interests are effective from 18 July 2024  and can be changed as per the Bank’s rules and regulations.

Federal Bank Short-Term Recurring Deposit Interest Rates

Short-term recurring deposits are those which have a tenure between 180 days to less than 1 year. The interest offered on such RDs by the bank is in the range of 5.00% p.a. to 6.80% p.a. for to general citizens. Senior citizens are offered between 5.50% p.a. to 7.30% p.a.

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Federal Bank Medium-Term Recurring Deposit Interest Rates

For medium term recurring deposits, general citizens are offered interest in the range of 6.80% p.a. to 7.00% p.a. Citizens above the age of 60 years are offered between 7.30% p.a. to 7.50% p.a. Medium-term RDs are those which have a deposit tenure between 12 months and 36 months. 

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Federal Bank Long-Term Recurring Deposit Interest Rates

Long term Recurring Deposits are those which have a deposit tenure above 24 months. The interest paid by Federal Bank to general citizens on such deposits is 7.05% p.a. to 6.60% p.a. Senior citizens are offered the same  ranging to 7.55% p.a. to 7.25% p.a. 

RD Interest Rates by Banks

1. Uco Bank RD Interest Rates
2. Central Bank RD Interest Rates
3. Federal Bank RD Interest Rates
4. Indian Bank RD Interest Rates
5. Kotak Mahindra RD Interest Rates
6. IOB RD Interest Rates
7. Citybank RD Interest Rates
8. Indusind Bank RD Interest Rates
9. BOM RD Interest Rates

RD Article Pages

1. Recurring Deposit Vs. Chit Fund
2. Miss to Pay the Recurring Deposit Due
3. Difference Between Recurring Deposit and SIP
4. Open RD Account through HDFC NetBanking
5. RD Account in SBI
6. Advantages of Recurring Deposit
7. Flexi RD
8. SBI Flexi RD Schemes
9. Monthly Recurring Deposit
10. Indian Bank Recurring Deposit
11. Union Bank Recurring Deposit
12. UCO Bank Recurring Deposit

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FAQs on Federal Bank RD Interest Rates

• What is the minimum deposit amount and tenure for a Federal Bank Recurring Deposit?

  The minimum deposit amount for a Federal Bank Recurring Deposit is Rs. 50, with additional contributions in multiples of Rs. 10. The minimum tenure for investment is seven days, and the maximum tenure is ten years.

• What is the loan facility available with a Federal Bank Recurring Deposit?

  Accountholders can avail of a loan against their Federal Bank Recurring Deposit account after 12 months. The amount of the loan is determined based on the five years recurring deposit instalments, and minimal documents are required for income proof. Existing customers with a good repayment history and average monthly balance are eligible for this facility.

• Who is eligible to open a Federal Bank Recurring Deposit Account?

  Federal Bank allows various categories of individuals and entities to open a Recurring Deposit account, including individuals, joint applicants, minors with guardians, HUF, sole proprietary concerns, clubs or associations, firms, joint-stock companies, and any other entity not prohibited by RBI.

• Is there a limit on the maximum investment amount for Federal Bank Recurring Deposits?

  No, Federal Bank has not set any cap on the maximum amount for their recurring deposit scheme, providing flexibility for individuals to invest as per their financial capacity. 

• How can I track my Federal Bank Recurring Deposit account?

  Federal Bank provides the convenience of tracking your recurring deposit account through internet banking, allowing you to stay updated on the details of your account and transactions.

• Can the interest be withdrawn before the account matures?

  No, the interest that has been generated cannot be withdrawn before the RD account matures.

• Can I pay an additional amount towards the Recurring Deposit account?

  No, you cannot pay an additional amount towards the Recurring Deposit account.

• Is it possible to change the tenure of the Recurring Deposit account?

  No, it is not possible to change the tenure of the Recurring Deposit account.