Rates and Charges

Statement that reinforces ideas of transparency and Integrity

Domestic / Non-Resident Rupee Savings Deposit Interest Rate Chart, w.e.f. December 25, 2025

For End-of-Day Balance up to ₹250 crore		For End-of-Day Balance above ₹250 crore up to ₹500 crore		For End-of-Day Balance above ₹500 crore to ₹750 crore		For End-of-Day Balance above ₹750 crore to ₹1,000 crore		For End-of-Day Balance above ₹1,000 crore
Balance Bucket	Interest Rate (p.a.)	Balance Bucket	Interest Rate (p.a.)	Balance Bucket	Interest Rate (p.a.)	Balance Bucket	Interest Rate (p.a.)	Balance Bucket	Interest Rate (p.a.)
Balance up to ₹1 lakh	2.70%	Balance up to ₹1 lakh	2.70%	Balance up to ₹1 lakh	2.70%	Balance up to ₹1 lakh	2.70%	Balance up to ₹1 lakh	2.70%
Balance above ₹1 lakh to ₹5 lakh	2.70%	Entire balance above ₹1 lakh	6.15%	Entire balance above ₹1 lakh	6.85%	Entire balance above ₹1 lakh	(Overnight MIBOR interest rate + 0.85%)	Entire balance above ₹1 lakh	6.15%
Balance above ₹5 lakh to ₹10 lakh	4.85%
Balance above ₹10 lakh to ₹50 lakh	5.35%
Balance above ₹50 lakh to ₹5 crore	5.55%
Balance above ₹5 crore to ₹50 crore	6.00%
Balance above ₹50 crore to ₹250 crore	6.00%

Notes:

Interest will be calculated daily based on end of day clear balance in the account.
Interest of 2.70% p.a. will be applied for amount up to ₹1 lakh, 2.70% p.a. will be applied on the incremental balance over and above ₹1 lakh up to ₹5 lakh, 4.85% p.a. will be applied on the incremental balance over and above ₹5 lakh up to ₹10 lakh, 5.35% p.a. will be applied on the incremental balance over and above ₹10 lakh up to ₹50 lakh, 5.55% p.a. will be applied on the incremental balance over and above ₹50 lakh up to ₹5 crore, 6.00% p.a. will be applied on the incremental balance over and above ₹5 crore up to ₹50 crore, 6.00% p.a. will be applied on the incremental balance over and above ₹50 crore up to ₹250 crore, 6.15% p.a. will be applied on the remaining balance over ₹1 lakh if EOD balance exceeds ₹250 crore to 500 crore. 6.85% p.a. will be applied on the remaining balance over ₹1 lakh if EOD balance exceeds ₹500 crore to 750 crore. Overnight MIBOR interest rate + 0.85 % p.a. will be applied on the remaining balance over ₹1 lakh if EOD balance exceeds ₹750 crore to ₹1,000 crore. 6.15% p.a. will be applied on the remaining balance over ₹1 lakh if EOD balance exceeds ₹1,000 crore.
Interest rates are subject to periodic change without any prior notice.
Savings bank account interest will be paid at quarterly intervals.

Domestic/NRO Bulk Deposit Interest Rates w.e.f. January 07, 2026

With Premature Payment Facility "Callable" (All rates are per annum)
Tenure	₹3 cr to ₹10 cr	Above ₹10 cr to less than ₹25 cr	₹25 cr to less than ₹50 cr	₹50 cr and above
7 days to 15 days	3.00%	3.00%	3.00%	3.00%
16 days < 1 month	3.25%	3.25%	3.25%	3.25%
1 month < 2 months	5.00%	5.00%	5.00%	5.00%
2 months < 3 months	5.35%	5.35%	5.35%	5.35%
3 months < 4 months	6.15%	6.15%	6.15%	6.15%
4 months < 5 months	6.30%	6.30%	6.30%	6.30%
5 months < 6 months	6.40%	6.40%	6.40%	6.40%
6 months < 7 months	6.50%	6.50%	6.50%	6.50%
7 months < 8 months	6.50%	6.50%	6.50%	6.50%
8 months < 9 months	6.55%	6.55%	6.55%	6.55%
9 months < 10 months	6.65%	6.65%	6.65%	6.65%
10 months < 11 months	6.65%	6.65%	6.65%	6.65%
11 months < 12 months	6.65%	6.65%	6.65%	6.65%
12 months	7.00%	7.00%	7.00%	7.00%
12 months 1 day < 13 months	7.00%	7.00%	7.00%	7.00%
13 months < 14 months	6.55%	6.55%	6.55%	6.55%
14 months < 15 months	5.50%	5.50%	5.50%	5.50%
15 months < 16 months	5.50%	5.50%	5.50%	5.50%
16 months < 17 months	5.50%	5.50%	5.50%	5.50%
17 months < 18 months	5.50%	5.50%	5.50%	5.50%
18 months < 2 years	7.00%	7.00%	7.00%	7.00%
2 years to less than 3 years	6.80%	6.80%	6.80%	6.80%
3 years to less than 5 years	5.55%	5.55%	5.55%	5.55%
5 years to 10 years	4.40%	4.40%	4.40%	4.40%

Without Premature Payment facility "Non-Callable" (All rates are per annum)
Tenure	₹3 cr to ₹10 cr	Above ₹10 cr to less than ₹25 cr	₹25 cr to less than ₹50 cr	₹50 cr and above
7 days to 15 days	3.00%	3.00%	3.00%	3.00%
16 days to < 1 month	3.50%	3.50%	3.50%	3.50%
1 month < 2 months	5.15%	5.15%	5.15%	5.15%
2 months < 3 months	5.50%	5.50%	5.50%	5.50%
3 months < 4 months	6.25%	6.25%	6.25%	6.25%
4 months < 5 months	6.35%	6.35%	6.35%	6.35%
5 months < 6 months	6.50%	6.50%	6.50%	6.50%
6 months < 7 months	6.65%	6.65%	6.65%	6.65%
7 months < 8 months	6.65%	6.65%	6.65%	6.65%
8 months < 9 months	6.65%	6.65%	6.65%	6.65%
9 months < 10 months	6.75%	6.75%	6.75%	6.75%
10 months < 11 months	6.75%	6.75%	6.75%	6.75%
11 months < 12 months	6.75%	6.75%	6.75%	6.75%
12 months	7.10%	7.10%	7.10%	7.20%
12 months 1 day < 13 months	7.10%	7.10%	7.10%	7.20%
13 months < 14 months	6.85%	6.85%	6.85%	6.85%
14 months < 15 months	6.50%	6.50%	6.50%	6.50%
15 months < 16 months	6.50%	6.50%	6.50%	6.50%
16 months < 17 months	6.50%	6.50%	6.50%	6.50%
17 months < 18 months	6.50%	6.50%	6.50%	6.50%
18 months < 2 years	7.10%	7.10%	7.10%	7.10%
2 years to less than 3 years	7.00%	7.00%	7.00%	7.00%
3 years to less than 5 years	6.15%	6.15%	6.15%	6.15%
5 years to 10 years	4.90%	4.90%	4.90%	4.90%

NRE Bulk Deposit Interest Rates w.e.f. January 07, 2026

With Premature Payment Facility "Callable" (All rates are per annum)
Tenure	₹3 cr to ₹10 cr	Above ₹10 cr to less than ₹25 cr	₹25 cr to less than ₹50 cr	₹50 cr and above
12 months	7.00%	7.00%	7.00%	7.00%
12 months 1 day < 13 months	7.00%	7.00%	7.00%	7.00%
13 months < 14 months	6.55%	6.55%	6.55%	6.55%
14 months < 15 months	5.50%	5.50%	5.50%	5.50%
15 months < 16 months	5.50%	5.50%	5.50%	5.50%
16 months < 17 months	5.50%	5.50%	5.50%	5.50%
17 months < 18 months	5.50%	5.50%	5.50%	5.50%
18 months < 2 years	7.00%	7.00%	7.00%	7.00%
2 years to less than 3 years	6.80%	6.80%	6.80%	6.80%
3 years to less than 5 years	5.55%	5.55%	5.55%	5.55%
5 years to 10 years	4.40%	4.40%	4.40%	4.40%

Without Premature Payment facility "Non-Callable" (All rates are per annum)
Tenure	₹3 cr to ₹10 cr	Above ₹10 cr to less than ₹25 cr	₹25 cr to less than ₹50 cr	₹50 cr and above
12 months	7.10%	7.10%	7.10%	7.20%
12 months 1 day < 13 months	7.10%	7.10%	7.10%	7.20%
13 months < 14 months	6.85%	6.85%	6.85%	6.85%
14 months < 15 months	6.50%	6.50%	6.50%	6.50%
15 months < 16 months	6.50%	6.50%	6.50%	6.50%
16 months < 17 months	6.50%	6.50%	6.50%	6.50%
17 months < 18 months	6.50%	6.50%	6.50%	6.50%
18 months < 2 years	7.10%	7.10%	7.10%	7.10%
2 years to less than 3 years	7.00%	7.00%	7.00%	7.00%
3 years to less than 5 years	6.15%	6.15%	6.15%	6.15%
5 years to 10 years	4.90%	4.90%	4.90%	4.90%

Disclaimer:

In case of premature withdrawal of Callable deposits, 1% penalty will be levied on the corresponding ROI for which the deposit is actually kept with the Bank.
Any deposit of ₹10 crore and above can be contracted only with the prior approval of the Treasury.
In the event of a premature withdrawal of a Non-Resident External (NRE) Term Deposit with an interest payout option within one (1) year from the date of deposit, the Bank will recover the interest already paid by deducting an equivalent amount from the principal at the time of premature withdrawal.

FCNR (B) Term Deposit Interest Rate Chart, for the month of February 2026

Tenor	USD
1 Year only	4.89%
1 Year 1 day to < 2 Years	4.79%
2 Years to < 3 Years	3.14%
3 Years to < 4 Years	3.14%
4 Years to < 5 Years	3.14%
5 Years only	2.14%

Tenor	GBP	EUR
1 Year to < 2 Years	3.47%	NA
2 Years to < 3 Years	NA	NA
3 Years to < 4 Years	NA	NA
4 Years to < 5 Years	NA	NA
5 Years only	NA	NA

Note:

For FCNR (B) deposit, Interest is compounded at half yearly frequency
No interest is payable, if the deposit is withdrawn before one year
No premature penalty for the deposit withdrawn after completion of one year. However, interest shall be paid at the rate applicable for the period deposit has remained with the Bank
Above interest will be paid at the rate available on the date of deposit
The above rates are applicable for fresh and renewal fixed deposits and are subject to change from time to time. Kindly check the rates before booking the FCNR Fixed Deposit

Retail Domestic / Non-Resident Rupee Term Deposit Interest Rate Chart w.e.f. September 01, 2025

Maturity Bucket	Interest Rates for Non-Senior Citizens	Interest Rates for Senior Citizens
7 days to 14 days	2.95%	3.70%
15 days to 30 days	2.95%	3.70%
31 days to less than 2 months	3.45%	4.20%
2 months to less than 3 months	4.20%	4.95%
3 months to less than 6 months	4.20%	4.95%
6 months to less than 1 year	4.20%	4.95%
1 year	7.00%	7.50%
1 year 1 day to 1 year 9 months	7.00%	7.50%
1 year 9 months 1 day to less than 2 years	7.00%	7.50%
2 years to less than 3 years	7.20%	7.70%
3 years to less than 5 years	7.00%	7.50%
5 years to up to 10 years	5.85%	6.60%

Tax Saver Fixed Deposit Interest Rate Chart w.e.f. August 09, 2025

TD Type	Interest Rates for Non-Senior Citizens	Interest Rates for Senior Citizens
Tax Saver Fixed Deposit	6.25%	7.25%

Note:

The above rates are applicable for retail deposits less than ₹3 crore.
Senior Citizen Rates are only for Resident Indians and do not apply to NRIs.
Submission of proof of Age is mandatory to avail Senior Citizen Rates.
Under Section 80C of the Income Tax Act. 1961, a maximum tax exemption up to ₹1,50,000 may be availed by investing in Bandhan Bank Tax Saver Fixed Deposits.
Tax Saver Fixed Deposits cannot be closed prematurely/partially before expiry of the lock-in period of 5 years and cannot be booked with auto renewal facility.
TDS is applicable for Interest earned over ₹40,000 for general customers and ₹50,000 for Sr. Citizen Customers in a year.
Customer can submit Form 15G/15H as applicable if the annual income is below ₹2,50,000 for general and ₹7,00,000 for Senior citizen customers.
Tax Saver Fixed deposits are non-market-linked investments, so they carry zero risk and are safe investments.
Tax Saver Fixed deposits are applicable for Resident Indians, Hindu Undivided Families (HUFs) and NRO customers.
Min amount of Tax Saver deposits that can be made is ₹1,000.
Interest earned on the Fixed Deposits will be subject to Tax Deducted at Source as per extant Indian Income Tax laws.
Submission of Income Tax PAN No. is mandatory, failing which TDS will be deducted at a higher rate as per Indian Income Tax laws.
Interest rates are subject to change from time to time. Applicable interest rates will be given as on the date / time of receipt of the funds by the Bank.
For pre-mature withdrawal; the Penal interest rate of 1% shall be applicable on the card rate. The card rate for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked or the rate applicable for the tenure for which the deposit has been in force with the Bank.
Minimum tenure for Domestic & NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.
Minimum tenure for NRE term deposits is 1 year and no interest is payable for deposits prematurely withdrawn within the period of 1 year from the date of deposit.
Please contact nearest Bandhan Bank Branch for interest rates on deposits ₹3 crore and above.
In case of reinvestment deposits, the interest reinvested is post TDS recovery and hence the maturity amount for re-investment deposits would vary to the extent of tax and compounding effect on tax for the period subsequent of deduction till maturity.
Interest rates are subject to change without any prior notice.
In addition to the clauses specified above, for detailed Terms and Conditions governing Bandhan Bank Fixed Deposits, please click here

External Benchmark Rate: RBI Repo Linked Lending Rate (RLLR)

Current RLLR: w.e.f. January 01, 2026: 5.25%

(For existing customers the EBR reset is done on quarterly basis)

(A) Home loan Interest Rate Card (Floating) :

Loan Amount	Minimum Interest Rate(%)	Maximum Interest Rate(%)
All Loan Amount	8.41%	12.58%

(B) Repair Loans Interest Rate Card (Floating):

Loan Amount	Minimum Interest Rate(%)	Maximum Interest Rate(%)
All Loan Amount	8.41%	12.58%

Loan Amount	Minimum Interest Rate(%)	Maximum Interest Rate(%)
All Loan Amount	11.89%	14.71%

Existing customers who are servicing floating rate loans linked to PLR of erstwhile GRUH can opt for conversion to External Benchmark Rate linked option.

Marginal Cost of Funds based Lending Rates (MCLR) effective from January 31, 2026

Tenor	MCLR
Overnight	8.45%
1 Month	8.80%
3 Months	8.95%
6 Months	9.15%
1 Year	9.30%
2 Years	9.50%
3 Years	9.50%

Forex Rates for January 30, 2026

For transactions in Foreign Currency up to USD 10,000

All values in Rs.

Currency	Card Rate
Currency	TT Buy Rate	TT Sell Rate	Bill Buy Rate	Bill Sell Rate
USD	91.25	92.56	91.05	92.76
EUR	108.35	110.65	108.08	110.92
GBP	125.15	127.65	124.87	127.93
AED	24.42	25.63	24.22	25.83

Rates as on 09:15 IST

The card rates as above are indicative and are subject to change based on market volatility. The final rates applicable will be the card rates prevailing at the time of debit/credit to customer accounts.

Schedule of Charges for Micro Enterprises Loan

Description	Charges
Processing fee	1% ( of loan disbursement amount ) + GST/ Applicable Tax
General Insurance	On actual basis + GST / applicable taxes
Foreclosure charges	Nil

Schedule of Charges for Bazaar Loan

Description	Charges
Processing fee	For loans up to ₹50,000: Nil For loans > ₹50,000: 1.50% + GST
General Insurance	On actual basis + GST / applicable taxes
Foreclosure charges	Nil

Schedule of charges for Trade Finance Services

To view details, click here.

Schedule of Charges for Sahayata Loan

Description	Charges
Processing fee	1.50% + GST
Foreclosure charges	NIL

Schedule of Charges for Micro Home -Loans

Description	Charges
Loan Processing Charges Micro Home Loan & Suawas Saral Loan	1.0% of loan amount OR ₹5,000 whichever is higher + applicable taxes
Loan Processing Charges for Suniwas Loan	₹1,500 + GST for loan less than of up to ₹2,00,000 OR ₹2,000 + GST for loan above ₹2,00,000 and up to ₹5,00,000
Part Payment Charges	Nil
Fore Closure Statement	Nil
Foreclosure Charges on Fixed Rate	Nil
Document Retrieval Charges – for photocopy only	Nil
Statement of Account	Nil
Duplicate NOC	Nil
All Other Noc	Not applicable
Stamp Duties	On Actual
Loan Cancellation	Nil—however client has to pay interest for interim period between loan disbursement to loan cancellation period and PF and Stamp Duty and documentation charges will be retained
Change Of Address	Nil
Agreement Copy	Nil
Legal and Other Recovery Charges	On Actual
PDD collection charges	Nil
Valuation Charges	Nil
CERSAI charges	On Actual
Provisional / Final IT certificate	Nil
Equitable Mortgage charge creation	On Actual-As Applicable in states

Note: Applicable taxes will be extra.

Schedule of Charges for NACH Debit

NACH Sponsorship

Charges (₹)

NACH Mandate Registration (per mandate)

Rs.15.00

NACH Mandate Modification (per mandate)

Rs.15.00

NACH Mandate Cancellation (per mandate)

Rs.15.00

NACH Debit Transaction Processing (per Success transaction)

Rs.5.00

Mandate Form (100 pcs/packet)

Rs.50.00

Maintenance Fee: Active Mandates (per mandate)

Rs.0.50

Maintenance Fee: Dormant Mandate (per mandate/ per annum)

Dormant Period (Year)	Amount (Rs)
1^st	Rs.1.00
2^nd & 3^rd	Rs.2.00
4^th & 5^th	Rs.3.00
6^th onwards	Rs.5.00

NACH Credit Transaction Processing

Rs.1.00

Schedule of Charges for Suchana, Srishti, Sushiksha, Suraksha and Subriddhi

Description	Charges
Processing fee	For loans up to ₹50,000: Nil For loans > ₹50,000: 1.50% + GST
Foreclosure Charges	Nil
General Insurance for Suchana and Shristi only	On actual basis

Note: Applicable taxes will be extra.

Schedule of Charges for Aspiring Business Loan

To view details, click here.

SME & Corporates - Service charges for Fund- Based Products (CC, OD, TL [Effective from September 25, 2025]

To view details, click here.

Schedule of Charges for Agri Loan/Kisan Credit Card/Kisan Sampan Plus

For details, click here

Schedule of Charges for Gold Loan

To view details, click here.

Schedule of Charges for Home Loan and Loan against Property

To view details, click here.

Schedule of Charges for Personal Loan

To view details click here.

Schedule of Charges for Car Loan

To view details, click here.

Schedule of Charges for Two Wheeler Loan

To view details, click here.

Savings Account – Schedule of Charges & Features, to view details, click here.

Bandhan Super Saver – Schedule of Charges, to view details, click here.

Current Account – Schedule of Charges & Features

To view details click here.

Biz Elite Current Account – Schedule of Charges

To view details click here.

Non Resident Savings Account – Schedule of Charges & Features

To view details, click here.

Corporate Salary Account – Schedule of Charges & Features

To view details, click here.

Commercial Vehicle & Construction Equipment Loan – Schedule of Charges

To view details, click here.

Common service charges applicable to all Savings Account (SB) & Current Account (CA) variants including Non Resident Deposits

To view details, click here.

CRA Charge Structure for NPS, APY & NPS Lite

Charge Structure for Government Sector (NPS & UPS)

Sr. No.	Charge Head		(In ₹) Upper Cap
1	PRAN Opening Charge^#	e-PRAN Kit	18
1	PRAN Opening Charge^#	Physical PRAN Card	40
2	Annual Maintenance Charge per Account*		100
3	Transaction Charge		0

*For accounts having Nil balance, the Annual Maintenance Charge shall be zero.
^#e-PRAN Kit should be the default option at the time of account opening.

Charge Structure for APY & NPS Lite

Sr. No.	Charge Head	(In ₹) Upper Cap
1	PRAN Opening Charge	15
2	Annual Maintenance Charge	15
3	Transaction Charge	0

Charge Structure for Private Sector (NPS & NPS Vatsalya)

Sr. No.	Charge Head		Upper Cap^$ (In ₹)
1	PRAN Opening Charge^#	e-PRAN Kit	18
1	PRAN Opening Charge^#	Physical PRAN Card	40
2	Transaction Charge		0
3	Account Maintenance Charge per Account (AMC)		0
	Tier I Corpus Slab (In ₹)
	Nil		0
	1 - 2,00,000		100
	2,00,001 - 10,00,000		150
	10,00,001 - 25,00,000		300
	25,00,001 - 50,00,000		400
	Above 50,00,000		500

^$such reduced/negotiated charges shall not be below the upper cap stipulated in respect of the immediately preceding slab.

POP Charge Structure for NPS & NPS Lite

Charge Structure Applicable From 01/01/2026 for Common Schemes
Particulars	The charges for NPS Common Schemes (All Citizen and Corporate Model) including NPS Vatsalya and NPS Lite
First Year of Subscribers Onboarding	0.2% p.a. of the AUM (subject to minimum of ₹30) and 0.1% p.a. for CPSE employees (subject to minimum of ₹15) pro-rata on quarterly basis or ₹200 per new account (on monthly basis, to be collected in the month subsequent to the month of on-boarding)
Second Year Onwards	0.2% p.a. of the AUM (subject to minimum of ₹30) and 0.1% p.a. for CPSE employees (subject to minimum of ₹15) pro-rata on quarterly basis, in accounts other than Dormant accounts. This shall be applicable to all existing accounts as well.
Notes: Method of deduction shall be through cancellation of units by Central Recordkeeping Agencies. GST or other taxes as applicable, shall be additional. For the purpose and interpretation of this circular, the term “ p.a.” shall mean a period comprising of four (04) consecutive quarters and shall not be construed to or to be aligned with, a financial year or a calendar year. Accordingly, charges shall be levied at 0.05% of AUM on the last day of quarter for Common Schemes of NPS (All Citizen and Corporate Model), including NPS Vatsalya, and 0.025% of AUM on the last day of quarter for CPSE employees. PoPs having their own employees as NPS subscriber may exercise their choice to recover or not to recover PoP charges as per their internal approved policy and shall share such information with CRAs. Dormant Account will not be charged. Dormant account is defined as such account where subsequent to a contribution in a quarter, there is no contribution for four consecutive quarters as identified at the end of each quarter.

Protean eGov Technologies Limited (Erstwhile NSDL e-Governance Infrastructure Limited) is the registered CRA of Bandhan Bank Limited for registration & servicing of Atal Pension Yojana and servicing of NPS Lite Scheme.