IOBसार्वजनिक क्षेत्र का बैंक
Indian Overseas Bank की नवीनतम ब्याज दरें - September 2026
इंडियन ओवरसीज बैंक (IOB)
1 वर्ष FD: 6.5% बेंचमार्क दर: 8.1%
ब्याज दर सारांश
Indian Overseas Bank (IOB) Interest Rates & Retail Lending Schemes Overview
Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from Indian Overseas Bank (IOB):
Featured Rates & Retail Loan Schemes:
- Savings Deposit: Base savings account deposit rate stands at 2.75% p.a. on balances up to ₹1 Crore (scaling to 2.90% p.a. on balances above ₹1 Crore).
- Retail Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 6.50% p.a. (Senior citizens receive an additional +0.50% at 7.00% p.a.; Super Senior citizens at 7.25% p.a.). The flagship 444-day special bucket offers peak yields up to 6.60% p.a. (7.10% p.a. for senior citizens).
- Home Loans (Subhavas / Housing Loan): Floating interest rates start from 7.10% p.a. linked to Indian Overseas Bank's Repo Linked Lending Rate (RLLR at 8.10%), with repayment tenures up to 30 years and zero prepayment penalties.
- Vehicle & Personal Loans: Auto financing rates start from 7.55% p.a. (floating) for repayment tenures up to 84 months (7 years). Unsecured personal loans start from 10.25% p.a. on a reducing balance basis.
- Credit Cards: Standard retail credit cards (IOB Classic & Gold) offer revolving finance charges of 2.00% per month (24.00% APR) with an interest-free grace period up to 50 days.
💡 Financial Recommendation: Applicants with a CIBIL credit score of 750 or higher qualify for IOB's lowest risk-spread tier over RLLR (starting at 7.10% p.a.) and reduced upfront processing charges.
जमा और FD ब्याज दरें - IOB
इकाई: % प्रति वर्ष| जमा अवधि | शाखा दर (Branch Rate) | ऑनलाइन / नेटबैंकिंग दर 📱 |
|---|---|---|
| बचत खाता (Savings) | 2.75% | 2.75% |
| 1 महीना | 3.25% | 3.25% |
| 3 महीने | 4.25% | 4.25% |
| 6 महीने | 4.5% | 4.5% |
| 12 महीने (मानक ⭐) | 6.5% | 6.5% |
| 24 महीने | 6.4% | 6.4% |
| 36 महीने | 6.1% | 6.1% |
ऋण उत्पाद और ऑफर - IOB
ऋण विवरण एवं नियम →होम लोनIOB
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
कार लोनIOB
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
पर्सनल लोनIOB
10.25% /वर्ष
- • अधिकतम अवधि: 5 वर्ष
गोल्ड लोनIOB
8.75% /वर्ष
- • अधिकतम अवधि: 3 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 75%
एजुकेशन लोनIOB
6.5% /वर्ष
- • अधिकतम अवधि: 15 वर्ष
उन्नत ऋण कैलकुलेटर
Indian Overseas Bank के लिए लोन ईएमआई (EMI) की गणना करें
IOB की 8.1%/वर्ष प्रति वर्ष की ब्याज दर पर मासिक मूलधन और ब्याज का हिसाब लगाएं, विस्तृत पुनर्भुगतान तालिका देखें और एक्सेल डाउनलोड करें।
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