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Nainital Bank Fixed Deposit (FD) Interest Rates 2026

Nainital Bank Fixed Deposit (FD) Interest Rates 2026

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6.25%

Interest for 3 years

Nainital Bank FD Interest Rates 2026

TenureNormal Citizen FD RateSenior Citizen FD Rate
7 days - 1 month 15 days3.25%3.75%
1 month 16 days - 5 months 26 days4.25%4.75%
5 months 27 days - 8 months 26 days4.95%5.45%
8 months 27 days - 11 months 30 days5.75%6.25%
1 year - 1 year 6 months6.4%6.9%
1 year 6 months 1 day - 1 year 11 months 30 days6.6%7.1%
2 years - 2 years 11 months 30 days6.25%6.75%
3 years - 4 years 11 months 30 days5.75%6.25%
5 years - 9 years 11 months 28 days5.35%5.85%

Note: All interest rates shown above are as on 5th Feb 2026

About Nainital Bank FD

The Nainital Bank Limited (NTB) (known as Nainital Bank) is a scheduled commercial bank founded in 1922. The bank is a wholly owned subsidiary of Bank of Baroda which is under the ownership of Ministry of Finance of the Government of India. The bank has expanded to Uttar Pradesh and Uttarakhand, and has only 163 branches in Rajasthan, Delhi and Haryana. It has become TTC (Ten Thousand Crore) Company and aims to be most customer centric bank of India, it is listed as a scheduled bank by the Reserve Bank of India.

Nainital Bank FD

3.25% - 6.6%

FD Rate

3.75% - 7.1%

FD Rate for Seniors

₹ 1000

Minimum Deposit

₹ 2 Crores

Maximum Deposit

-

Lock-in

-

FD Tenure

-

Loan against FD

NA

CRISIL Rating

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Nainital Bank FD Returns Based on Investment Amount

Investment AmountFor 3 years with interest of 6.25%For 5 years with interest of 5.75%
₹ 50,000₹ 60,282₹ 66,609
₹ 1 lakh₹ 1,20,564₹ 1,33,218
₹ 2 lakh₹ 2,41,129₹ 2,66,435
₹ 5 lakh₹ 6,02,822₹ 6,66,088
₹ 10 lakh₹ 12,05,643₹ 13,32,176

Compare Nainital Bank Fixed Deposit Returns with Top Banks

Use FD calculator to change values and compare your returns from top banks.

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Nainital Bank FD
Nainital Bank FD
Maturity Amount₹ 1,06,591₹ 1,06,432
Total Investment Amount₹ 1,00,000₹ 1,00,000
Total Interest Gained₹6,591₹ 6,432

Compare Nainital Bank Fixed Deposit Rates with Top Banks

Bank NameFD Interest Rates
ellaquai-dehati-bank.png
Ellaquai Dehati Bank FD		6.25% - 6.75%
utkarsh-small-finance-bank.png
Utkarsh Small Finance Bank FD		7.5% - 8%
rbl-bank.png
RBL Bank FD		7.2% - 7.7%
sarva-haryana-gramin-bank.png
Sarva Haryana Gramin Bank FD		6.25% - 6.75%
kotak-bank.png
Kotak Mahindra Bank FD		6.4% - 6.9%
bihar-gramin-bank.png
Bihar Gramin Bank FD		6.5% - 6.5%
au-small-bank.png
AU Small Finance Bank FD		7.1% - 7.6%
dakshin-bihar-gramin-bank.png
Dakshin Bihar Gramin Bank FD		7% - 7%
jammu-and-kashmir-grameen-bank.png
Jammu And Kashmir Grameen Bank FD		6.75% - 7.25%
punjab-sind-bank.png
Punjab and Sind Bank FD		5.85% - 6.35%

Calculate Nainital Bank FD Returns

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₹1,00,000

Total Investment

6,591

Wealth Gained

₹1,06,591

Maturity Amount

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Frequently Asked Questions

The highest Nainital Bank FD rates for general citizens is 6.6% p.a. and 7.1% p.a. for senior citizens.

The highest interest rate on Nainital Bank 1 year FD scheme is 6.4% p.a.

5.75% p.a is the interest rate for 5 years on Nainital Bank FD scheme.

To know in how many years Nainital Bank Bank FD will double, we can follow the 72 rule. We have to divide 72 by the interest rate, and the result will be the number of years Nainital Bank Bank FD will double. The current highest Nainital Bank FD interest rate is 6.6% so investors will double the investment in 10.91 years. Similarly, senior citizen depositors will double their FD investment in 10.14 years, where the highest FD rate for senior citizens is 7.1%.

The minimum investment in Nainital Bank FD is INR 1,000. However, there is no limit on the maximum amount of investment in Nainital Bank FD.

The senior citizen fixed deposit interest rates in Nainital Bank range between 3.75% to 7.1% p.a. for an available minimum and maximum investment duration.

Nainital Bank FD tenure ranges from 7 days to 9 years 11 months 28 days

The interest from the Nainital Bank FD calculator for 10 lakh deposit for 1 year will be INR 65,911. The maturity value will be INR 10,65,911. You can use Scripbox’s FD Calculator to determine the maturity value of your investment.

You can check Nainital Bank FD balance either online or offline mode. For online mode, log in to the Nainital Bank internet banking portal. Alternatively, you can visit the nearest Nainital Bank bank to update your passbook for FD balance enquiry.

There is no restriction on the number of FDs you can open with Nainital Bank.