Central Bank Of India FD Rates Revised: The Highest 7.20 Per Cent For Senior Citizens

The Central Bank of India revised its fixed deposit (FD) interest rates after the Reserve Bank of India (RBI) announced on August 6, 2025, to keep the repo rate unchanged. The public sector bank's revised rates are effective August 10, 2025. Experts believe that previous cuts in the repo rate this year are still taking effect. Further, the phased cut in the cash reserve ratio (CRR) requirement and adequate liquidity in the system are some of the reasons for maintaining the repo rate at the same level. So, the banks may either maintain the same interest rates or reduce them depending on their liquidity and other requirements.

FDs are typically a staple investment in a senior citizen's portfolio. So, if a senior citizen holds an account at the Central Bank of India or wishes to open one, they can avail of a maximum of 7.20 per cent interest with the bank.

Here are the revised rate details, effective August 10, 2025.

Central Bank Of India FD Interest Rates

Tenure Senior citizens General Public

Interest Rates Interest Rates

Seven days to 14 days — 4.00% 3.50%

15 days to 30 days — 4.25% 3.75%

31 days to 45 days — 4.25% 3.75%

46 days to 59 days — 5.00% 4.50%

60 days to 90 days — 5.00% 4.50%

91 days to 179 days — 5.50% 5.00%

180 days to 270 days — 6.00% 5.50%

271 days to 364 days — 6.00% 5.50%

One year to less than two years — 7.00% 6.50%

Two years to less than three years — 7.20% 6.70%

Three years to less than five years — 7.00% 6.50%

Five years to 10 years — 7.00% 6.50%

 Source: Bank’s Website

The annualised yield is more than the interest rate if the FD is maintained until maturity. The effective annualised yield for seniors after rate revision will be:

Tenure Interest Rates Annualised Yield

Seven days to 14 days — 4.00% 4.00%

15 days to 30 days — 4.25% 4.25%

31 days to 45 days — 4.25% 4.25%

46 days to 59 days — 5.00% 5.00%

60 days to 90 days — 5.00% 5.00%

91 days to 179 days — 5.50% 5.50%

180 days to 270 days — 6.00% 6.14%

271 days to 364 days — 6.00% 6.14%

One year to less than two years — 7.00% 7.19%

Two years to less than three years — 7.20% 7.40%

Three years to less than five years — 7.00% 7.19%

Five years to 10 years — 7.00% 7.19%

Source: Bank’s Website

On the bank’s special tenure of ‘444 days’ and ‘555 days’ FDs, seniors can avail of 7.20 per cent, with an annualised yield of 7.29 per cent.