Federal Bank की नवीनतम ब्याज दरें - September 2026

Federal Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Real-time deposit interest rates and retail lending schemes from Federal Bank (FEDERAL):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate starts at 2.75% p.a. on daily balances up to ₹5 Lakh, scaling up across tiered balance brackets.
• Retail Domestic Term Deposits (FD): Standard 1-Year FD interest rate stands at 6.25% p.a. (Senior citizens receive an additional +0.50% at 6.75% p.a.). Tenures exceeding 1 year to 3 years yield 6.40% p.a. for the general public (6.90% p.a. for senior citizens).
• Home Loans (Housing Advance): Floating interest rates start from 7.35% p.a. (linked to RBI Repo Rate / RLLR), featuring repayment tenures up to 30 years and zero prepayment penalties on floating rates.
• Vehicle & Personal Loans: New car loan financing rates start from 7.90% p.a. (floating) and up to 8.90% – 9.00% p.a. (fixed) for tenures up to 7 years. Unsecured personal loans range between 11.75% p.a. and 18.99% p.a. on a reducing balance basis.
• Credit Cards: Standard retail cards (Celesta, Imperio, Signet) feature dynamic revolving finance charges starting from 1.99% per month (23.88% APR) with an interest-free grace period of up to 48 days.

💡 Financial Recommendation: Borrowers should maintain a CIBIL credit score above 750 to qualify for Federal Bank's lowest risk-spread tier over RLLR and secure digital processing fee concessions.