Abhyudaya Co-operative Bank Fixed Deposit 2025
Abhyudaya Co-operative Bank Ltd offers fixed deposit options with interest rates that are attractive, starting at 3.75% p.a. and special interest rates for senior citizens. With a minimum deposit of Rs.500 and 90% loan against deposit available, fixed deposits with the bank are accessible to all.
Abhyudaya Bank Fixed Deposit Interest Rates
Fixed Deposit rates for different tenures are as follows:
Tenure | Regular Interest Rate (per annum) | Senior Citizen Interest Rate (per annum) |
7 days to 45 days | 3.75% | 4.00% |
46 days to 90 days | 4.15% | 4.40% |
91 days to 180 days | 5.40% | 5.90% |
181 days to 12 months | 6.15% | 6.65% |
Above 12 months to 24 months | 6.35% | 6.75% |
Above 24 months and 36 months | 6.55% | 6.90% |
Above 36 months and 60 months | 6.15% | 6.65% |
Above 60 months and 120 months | 5.90% | 6.15% |
Note: The interest rates mentioned are with effect from 25 August 2025 and are subject to change at the discretion of the bank.
Abhyudaya Bank Short-term FD Rates for General Public
- When it comes to short-term FDs, there are a lot of choices for prospective investors as far as tenure slabs are concerned.
- The tenure slab varies from a minimum of 7 days to a maximum of 180 days.
- The rate at which interest is paid is from 3.75% p.a. to 5.40% p.a. for the general public.
- For 7 days to 45 days, the bank pays 3.75% p.a., for 46 days to 90 days, the rates are 4.15% p.a., and for 91 days to 180 days, the applicable rate is 5.40% p.a. for the general public.
- The highest rate paid for short-term deposits is 5.40% p.a. for the tenure from 91 days to 180 days.
Abhyudaya Bank Medium and Long-term FD Rates for General Public
- The highest interest rate paid by Abhyudaya Bank is 6.55% p.a. for regular individuals for a tenure that ranges above 12 months and up to and inclusive of 120 months.
- One can also opt for the Abhyudaya Tax Saving Scheme if tax benefit is one of the features that the investor is looking for.
- The rate of interest paid for a tax saver FD is 6.10% and will give the investor up to Rs.1.5 lakh as tax benefit under Section 80C of the Income Tax Act in India.
Abhyudaya Bank Senior Citizen FD Rates
- The rate of interest ranges from 4.00% p.a. to 6.90% p.a.
Abhyudaya Bank FD Tax Saving Scheme Interest Rates
The interest rate for both the regular public and senior citizens are the same for this scheme as given below:
Tenure | Regular Interest Rate (per annum) |
5 years | 6.10% |
Abhyudaya Bank NRI Deposits
Abhyudaya Bank also has many investment options for NRIs who wish to park their foreign earnings and and earn an attractive rate of interest. The best part about some of these deposit schemes is that the interest income earned is tax free. Let us now take a look at the various options that are available through Abhyudaya Bank:
Abhyudaya Bank NRE Term Deposit Rates
Given below are the NRE Term Deposit interest rates for various tenures:
Tenure | Regular Interest Rate (per annum) |
12 months | 6.15% |
Above 12 months and up to and inclusive of 24 months | 6.35% |
Above 24 months and up to and inclusive of 36 months | 6.55% |
Above 36 months and up to 60 months | 6.15% |
Above 60 months to 120 months | 5.90% |
Note: The interest rates mentioned are with effect from 25 August 2025 and are subject to change at the discretion of the bank.
Abhyudaya Bank FCNR/ RFC Deposit Rates
Here are the FCNR and RFC Deposit interest rates for different tenures:
Tenure | USD% |
12 months to less than 24 months | 6.66% |
24 months to less than 3 years | 6.66% |
Note: The interest rates mentioned are with effect from 1 October 2025 to 31 October 2025 and are subject to change at the discretion of the bank.
Abhyudaya Bank NRO Deposit Rates
NRO Deposit interest rates for different tenures are as follows:
Tenure | Regular Interest Rate (per annum) |
7 days to 45 days | 3.75% |
46 days to 90 days | 4.15% |
91 days to 180 days | 5.40% |
181 days to 12 months | 6.15% |
Above 12 months to 24 months | 6.35% |
Above 24 months and 36 months | 6.55% |
Above 36 months and 60 months | 6.15% |
Above 60 months and 120 months | 5.90% |
Note: The interest rates mentioned are with effect from 25 August 2025 and are subject to change at the discretion of the bank.
FAQs on Abhyudaya Bank Fixed Deposit Rates
- What is the minimum age to get additional benefits on Abhyudaya bank fixed deposits?
The minimum age to get additional benefits on Abhyudaya bank fixed deposits is 60 years.
- Is a loan facility against fixed deposit available?
Yes, Abhyudaya bank gives loan facility against the fixed deposit.
- How much loan can be availed of against the fixed deposit?
Loan up to 90% of the deposit amount can be availed against the fixed deposit.
- Can tax benefits be availed of on the Abhyudaya bank fixed deposit?
Yes, one can avail tax benefits under section 80C of the income tax act on the Abhyudaya bank fixed deposit.
- Is nomination facility available on the Abhyudaya bank fixed deposit?
Yes, the nomination facility available on the Abhyudaya bank fixed deposit.
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