List of Banks That Revised Their Interest Rates On Fixed Deposits In January 2022

A few banks announced interest rate hikes for certain tenures in January 2022, providing a return lift to debt investors. In its bi-monthly Monetary Policy announcement on December 8, the Reserve Bank of India kept key rates unchanged. And, with a rate rise predicted further this year, these are the banks that have announced interest rate changes on fixed deposits below Rs. 2 Cr.

State Bank of India

Tenure	Regular	Senior Citizens
7 days to 45 days	2.9	3.4
46 days to 179 days	3.9	4.4
180 days to 210 days	4.4	4.9
211 days to less than 1 year	4.4	4.9
1 year to less than 2 year	5.1	5.6
2 years to less than 3 years	5.1	5.6
3 years to less than 5 years	5.3	5.8
5 years and up to 10 years	5.4	6.2
Source: Bank Website. W.e.f. 15.01.2022

Canara Bank

Tenure	Regular	Senior Citizens
7 days to 45 days	2.9	2.9
46 days to 90 days	3.9	3.9
91 days to 179 days	3.95	3.95
180 days to less than 1 Year	4.4	4.9
1 year only	5	5.5
Above 1 year to less than 2 years	5	5.5
2 years & above to less than 3 years	5.1	5.6
3 years & above to less than 5 years	5.25	5.75
Canara Unique "1111 Days"	5.35	5.85
5 years & above to 10 Years	5.25	5.75
Canara Amrit "75 Months"	5.4	5.9
Source: Bank Website. W.e.f. 17.01.2022

Axis Bank

Tenure	Regular	Senior Citizens
7 days to 14 days	2.5	2.5
15 days to 29 days	2.5	2.5
30 days to 45 days	3	3
46 days to 60 days	3	3
61 days < 3 months	3	3
3 months < 4 months	3.5	3.5
4 months < 5 months	3.5	3.5
5 months < 6 months	3.5	3.5
6 months < 7 months	4.4	4.65
7 months < 8 months	4.4	4.65
8 months < 9 months	4.4	4.65
9 months < 10 months	4.4	4.65
10 months < 11 months	4.4	4.65
11 months < 11 months 25 days	4.4	4.65
11 months 25 days < 1 year	4.4	4.65
1 year < 1 year 5 days	5.1	5.75
1 year 5 days < 1 year 11days	5.15	5.8
1 year 11days < 1 year 25days	5.25	5.9
1 year 25 days < 13 months	5.15	5.8
13 months < 14 months	5.15	5.8
14 months < 15 months	5.15	5.8
15 months < 16 months	5.2	5.85
16 months < 17 months	5.2	5.85
17 months < 18 months	5.2	5.85
18 months < 2 years	5.25	5.9
2 years < 30 months	5.4	6.05
30 months < 3 years	5.4	6.05
3 years < 5 years	5.4	6.05
5 years to 10 years	5.75	6.5
Source: Bank Website. W.e.f. 26.01.2022

Bandhan Bank

Tenure	Regular	Senior Citizens
7 days to 14 days	3.00%	3.75%
15 days to 30 days	3.00%	3.75%
31 days to Less than 2 months	3.50%	4.25%
2 months to less than 3 months	3.50%	4.25%
3 months to less than 6 months	3.50%	4.25%
6 months to less than 1 year	4.50%	5.25%
1 year to 18 months	5.25%	6.00%
Above 18 months to less than 2 years	5.25%	6.00%
2 years to less than 3 years	6.25%	7.00%
3 years to less than 5 years	6.25%	7.00%
5 years to up to 10 years	5.60%	6.35%
Source: Bank Website. W.e.f. 12.01.2022

Federal Bank

Tenure	Regular	Senior Citizens
7 days to 29 days	2.50%	3.00%
30 days to 45 days	3.00%	3.50%
46 days to 90 days	3.25%	3.75%
91 days to 180 days	3.75%	4.25%
181 days to 270 days	4.25%	4.75%
271 days to less than 1 year	4.40%	4.90%
1 year	5.10%	5.60%
Above 1 year to less than 16 Months	5.00%	5.50%
16 Months	5.25%	5.75%
Above 16 months to less than 2 years	5.00%	5.50%
2 years to less than 3 years	5.35%	5.85%
3 years to less than 5 years	5.40%	5.90%
5 years and above	5.60%	6.25%
Source: Bank Website. W.e.f. 17.01.2022

HDFC Bank

Tenure	Regular	Senior Citizens
7 - 14 days	2.50%	3.00%
15 - 29 days	2.50%	3.00%
30 - 45 days	3.00%	3.50%
46 - 60 days	3.00%	3.50%
61 - 90 days	3.00%	3.50%
91 days - 6 months	3.50%	4.00%
6 mnths 1 days - 9 mnths	4.40%	4.90%
9 mnths 1 day < 1 Year	4.40%	4.90%
1 Year	4.90%	5.40%
1 year 1 day - 2 years	5.00%	5.50%
2 years 1 day - 3 years	5.20%	5.70%
3 year 1 day- 5 years	5.40%	5.90%
5 years 1 day - 10 years	5.60%	6.35%
Source: Bank Website. W.e.f. 12.01.2022

ICICI Bank

Tenure	Regular	Senior Citizens
7 days to 14 days	2.50%	3.00%
15 days to 29 days	2.50%	3.00%
30 days to 45 days	3.00%	3.50%
46 days to 60 days	3.00%	3.50%
61 days to 90 days	3.00%	3.50%
91 days to 120 days	3.50%	4.00%
121 days to 150 days	3.50%	4.00%
151 days to 184 days	3.50%	4.00%
185 days to 210 days	4.40%	4.90%
211 days to 270 days	4.40%	4.90%
271 days to 289 days	4.40%	4.90%
290 days to less than 1 year	4.40%	4.90%
1 year to 389 days	5.00%	5.50%
390 days to < 15 months	5.00%	5.50%
15 months to < 18 months	5.00%	5.50%
18 months to 2 years	5.00%	5.50%
2 years 1 day to 3 years	5.20%	5.70%
3 years 1 day to 5 years	5.45%	5.95%
5 years 1 day to 10 years	5.60%	6.35%
5 Years (80C FD)	5.45%	5.95%
Source: Bank Website. W.e.f. 20.01.2022

IDBI Bank

Tenure	Regular	Senior Citizens
07-14 days	2.7	3.2
15-30 days	2.7	3.2
31-45 days	2.8	3.3
46- 60 days	3	3.5
61-90 days	3	3.5
91-6 months	3.5	4
6 months 1 day to 270 days	4.3	4.8
271 days upto< 1 year	4.3	4.8
1 year	5.05	5.55
> 1 year - 2 years	5.15	5.65
>2 years to < 3 years	5.2	5.7
3 years to to < 5years	5.4	5.9
5 years	5.5	6
> 5 years - 7 years	5.25	5.75
>7 years - 10 years	5.25	5.75
>10 years - 20 years	4.8	5.3
Source: Bank Website. W.e.f. 15.01.2022

IDFC First Bank

Tenure	Regular	Senior Citizens
7 - 14 days	2.50%	3.00%
15 - 29 days	2.50%	3.00%
30 - 45 days	3.00%	3.50%
46 - 90 days	3.00%	3.50%
91 - 180 days	3.50%	4.00%
181 days - less than 1 year	4.75%	5.25%
1 year - 2 years	5.75%	6.25%
2 years 1 day - 3 years	6.00%	6.50%
3 years 1 day - 5 years	6.25%	6.75%
5 years 1 day - 10 years	6.00%	6.50%
Source: Bank Website. W.e.f. 21.01.2022

Jammu & Kashmir Bank

Tenure	Regular	Senior Citizens
7 days to 30 days	2.90%	3.40%
31 days to 45 days	3.00%	3.50%
46 days to 90 days	3.25%	3.75%
91 days to 180 days	4.00%	4.50%
181 days to 270 days	4.40%	4.90%
271 days to less than 1 Year	4.50%	5.00%
1 year to less than 2 years	5.10%	5.60%
2 years to less than 3 years	5.20%	5.70%
3 years to less than 5 years	5.30%	5.80%
5 years to less than 10 years	5.30%	5.80%
Source: Bank Website. W.e.f. 11.01.2022

Karur Vysya Bank

Tenure	Regular	Senior Citizens
7 Days to 14 days	3.25%	3.25%
15 Days to 30 days	3.25%	3.25%
31 Days to 45 days	3.25%	3.25%
46 Days to 90 days	3.25%	3.25%
91 Days to 120 Days	3.50%	3.50%
121 Days to 180 Days	3.75%	3.75%
181 Days to 270 days	4.00%	4.00%
271 Days to less than 1 year	4.25%	4.25%
1 year to less than 2 years	5.15%	5.65%
2 years to less than 3 years	5.25%	5.75%
3 years to less than 5 years	5.40%	5.90%
5 years and above	5.60%	5.60%
KVB - Tax Shield	5.75%	5.75%
Source: Bank Website. W.e.f. 12.01.2022

Kotak Mahindra Bank

Tenure	Regular	Senior Citizens
7 - 14 Days	2.50%	3.00%
15 - 30 Days	2.50%	3.00%
31 - 45 Days	2.75%	3.25%
46 - 90 Days	2.75%	3.25%
91 - 120 Days	3.00%	3.50%
121 - 179 days	3.25%	3.75%
180 Days	4.40%	4.90%
181 Days to 269 Days	4.40%	4.90%
270 Days	4.40%	4.90%
271 Days to 363 Days	4.40%	4.90%
364 Days	4.50%	5.00%
365 Days to 389 Days	4.90%	5.40%
390 Days (12 months 25 days)	5.10%	5.60%
391 Days - Less than 23 Months	5.10%	5.60%
23 Months	5.10%	5.60%
23 months 1 Day- less than 2 years	5.10%	5.60%
2 years- less than 3 years	5.20%	5.70%
3 years and above but less than 4 years	5.40%	5.90%
4 years and above but less than 5 years	5.40%	5.90%
5 years and above upto and inclusive of 10 years	5.50%	6.00%
Source: Bank Website. W.e.f. 27.01.2022

South Indian Bank

Tenure	Regular	Senior Citizens
7 days to 30 days	2.50%	3.00%
31 days to 90 days	3.00%	3.50%
91 days to 180 days	3.80%	4.30%
181 days to 270 days	4.10%	4.60%
271 days to less than 1 year	4.50%	5.00%
1 year to less than 30 months	4.90%	5.40%
30 months to less than 3 years	5.25%	5.75%
3 years to less than 5 years	5.50%	6.00%
5 years	5.65%	6.15%
Above 5 years to up to and including 10 years	5.50%	6.00%
Tax Gain ( 5 Years )	5.65%	6.15%
Source: Bank Website. W.e.f. 20.01.2022

Yes Bank

Tenure	Regular	Senior Citizens
7 to 14 days	3.25%	3.75%
15 to 45 days	3.50%	4.00%
46 to 90 days	4.00%	4.50%
3 months to < 6 months	4.50%	5.00%
6 months to < 9 months	4.75%	5.25%
9 months to < 1 year	5.00%	5.50%
1 Year < 18 months	5.75%	6.25%
18 Months to < 3 years	6.00%	6.50%
3 Years to <= 10 years	6.25%	7.00%
Source: Bank Website. W.e.f. 04.01.2022

Ujjivan Small Finance Bank

The interest rates for Platina Fixed Deposits that do not allow part-closing or pre-closing are listed below.

Tenure	Regular	Senior Citizens
12 Months	6.65%	7.40%
12 Months and 1 Day to 19 Months	6.15%	6.90%
19 Months and 1 Day to 24 Months	6.75%	7.50%
24 Months and 1 Day to 989 Days	6.65%	7.40%
990 Days	6.90%	7.65%
991 Days to 36 Months	6.65%	7.40%
3 Years and 1 Day to 5 Years	6.40%	7.15%
Source: Bank Website. W.e.f. 07.01.2022

Jana Small Finance Bank

Tenure	Regular	Senior Citizens
7-14 days	2.50%	3.30%
15-60 days	3.00%	3.80%
61-90 days	3.75%	4.55%
91-180 days	4.50%	5.30%
181-364 days	5.50%	6.30%
1 Year [365 Days]	6.75%	7.55%
> 1 Year - 2 Years	6.75%	7.55%
>2 Years - 3 Years	6.75%	7.55%
> 3 Year - < 5 Years	6.75%	7.55%
5 Years [1825 Days]	6.75%	7.55%
> 5 Years - 10 Years	6.00%	6.80%
Source: Bank Website. W.e.f. 11th January 2022

Capital Small Finance Bank

Tenure	Regular	Senior Citizens
15 Days to 30 Days	3.35%	3.85%
31 Days to 45 Days	3.35%	3.85%
46 Days to 89 Days	3.85%	4.35%
90 Days to 179 Days	4.60%	5.10%
180 Days to less than 1 Year	5.10%	5.60%
1 Year to less than 5 Years	6.00%	6.50%
5 Years and upto 10 Years	6.00%	6.50%
Special Category
400 Days	6.10%	6.60%
600 Days	6.20%	6.70%
900 Days	6.30%	6.80%
Source: Bank Website. W.e.f. 5th January 2022

North East Small Finance Bank

Tenure	Regular	Senior Citizens
7 - 14 Days	3	3.5
15 - 29 Days	3	3.5
30 - 45 Days	3	3.5
46 - 90 Days	3.5	4
91 - 180 Days	4	4.5
181 - 365 Days	5	5.5
366 - 729 Days	6.75	7.25
730 - 1095 Days	6.75	7.25
777 Days	7	7.5
1096 - 1825 Days	6.5	7
1826 - 3650 Days	6.25	6.75
Source: Bank Website. W.e.f. 27th January 2022

Utkarsh Small Finance Bank

Tenure	Regular	Senior Citizens
7 Days to 45 Days	3.00%	3.50%
46 Days to 90 Days	3.25%	3.75%
91 Days to 180 Days	4.00%	4.50%
181 Days to 364 Days	5.75%	6.25%
365 Days to 699 Days	6.50%	7.00%
700 Days to 999 Days	6.75%	7.25%
1000 Days	6.90%	7.40%
1001 Days upto 5 Years	6.75%	7.25%
Above 5 Years to 10 Years	6.00%	6.50%
Source: Bank Website. W.e.f. 20th January 2022