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Paytm Payment Bank Fixed Deposit (FD) Interest Rates 2026

Paytm Payment Bank Fixed Deposit (FD) Interest Rates 2026

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%

Interest for 3 years

Paytm Payments Bank FD Interest Rates 2026

TenureNormal Citizen FD RateSenior Citizen FD Rate
7 days - 1 month3.25%3.25%
1 month 1 day - 1 month 15 days3.5%3.5%
1 month 16 days - 1 month 30 days4.5%4.5%
2 months - 2 months 29 days4.75%4.75%
3 months - 5 months 27 days5%5%
5 months 28 days - 6 months 27 days5.75%5.75%
6 months 28 days - 8 months 25 days6%6%
8 months 26 days - 11 months 30 days6.25%6.25%
1 year - 1 year6.75%6.75%

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

About Paytm Payments Bank FD

Paytm Payments Bank Limited (PPBL), an associate entity of Paytm, has received Scheduled Bank status from Reserve Bank of India (RBI) and has been included in the Second Schedule to the Reserve Bank of India Act, 1934.

Paytm Payments Bank FD

3.25% - 6.75%

FD Rate

3.25% - 6.75%

FD Rate for Seniors

-

Minimum Deposit

-

Maximum Deposit

-

Lock-in

-

FD Tenure

-

Loan against FD

NA

CRISIL Rating

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Paytm Payments Bank FD Returns Based on Investment Amount

Investment AmountFor 3 years with interest of 6.75%For 5 years with interest of 6.75%
₹ 50,000₹ 61,188₹ 70,006
₹ 1 lakh₹ 1,22,377₹ 1,40,011
₹ 2 lakh₹ 2,44,753₹ 2,80,023
₹ 5 lakh₹ 6,11,883₹ 7,00,057
₹ 10 lakh₹ 12,23,766₹ 14,00,115

Compare Paytm Payments Bank Fixed Deposit Returns with Top Banks

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

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Paytm Payments Bank FD
Paytm Payments Bank FD
Maturity Amount₹ 1,06,963₹ 1,06,432
Total Investment Amount₹ 1,00,000₹ 1,00,000
Total Interest Gained₹6,963₹ 6,432

Compare Paytm Payments 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 Paytm Payments Bank FD Returns

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₹1,00,000

Total Investment

6,963

Wealth Gained

₹1,06,963

Maturity Amount

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Frequently Asked Questions

The highest Paytm Payments Bank FD rates for general citizens is 6.75% p.a. and 6.75% p.a. for senior citizens.

The highest interest rate on Paytm Payments Bank 1 year FD scheme is 6.75% p.a.

6.75% p.a is the interest rate for 5 years on Paytm Payments Bank FD scheme.

To know in how many years Paytm Payments 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 Paytm Payments Bank Bank FD will double. The current highest Paytm Payments Bank FD interest rate is 6.75% so investors will double the investment in 10.67 years. Similarly, senior citizen depositors will double their FD investment in 10.67 years, where the highest FD rate for senior citizens is 6.75%.

The minimum investment in Paytm Payments Bank FD is INR 0. However, there is no limit on the maximum amount of investment in Paytm Payments Bank FD.

The senior citizen fixed deposit interest rates in Paytm Payments Bank range between 3.25% to 6.75% p.a. for an available minimum and maximum investment duration.

Paytm Payments Bank FD tenure ranges from 7 days to 1 year

The interest from the Paytm Payments Bank FD calculator for 10 lakh deposit for 1 year will be INR 69,628. The maturity value will be INR 10,69,628. You can use Scripbox’s FD Calculator to determine the maturity value of your investment.

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

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