Nainital Bank की नवीनतम ब्याज दरें - September 2026

Nainital Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Official real-time deposit interest rates and retail lending schemes from Nainital Bank (NAINITAL) (a subsidiary of Bank of Baroda):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate stands at 2.65% p.a. across domestic individual and basic savings bank deposit accounts.
• Retail Domestic Term Deposits (FD): General 1-Year domestic term deposit rate is 6.30% p.a. (Senior citizens receive an additional +0.50% at 6.80% p.a.). Special buckets such as the Naini Samriddhi (444 Days) offer peak yields up to 6.60% p.a. for general depositors (7.10% p.a. for senior citizens).
• Home Loans (Apna Aashiana Scheme): Floating interest rates start from 8.40% p.a. linked to the Naini Repo Linked Lending Rate (NRLLR at 8.25%), offering repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: Four-wheeler financing under the Suhana Safar scheme starts from 8.90% – 9.20% p.a. with tenures up to 7 years (84 months). Personal loans (Naini Sahyog) range between 12.00% p.a. and 12.50% p.a. on a reducing balance basis.
• Credit Cards: Retail credit cards (co-branded BOBCARD Nainital Bank Renaissance Card) feature revolving finance charges of 3.60% per month (43.20% APR) with an interest-free grace period of up to 50 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750 or higher qualifies borrowers for Nainital Bank's lowest risk-spread tier over NRLLR (from 8.40% p.a.) and slab-based concessions on administrative processing fees.