Indian Overseas Bank raised the rate on its 444-day maturity by 15 basis points to 6.75% for general investors, while cutting yields on 180 to 269-day terms to 4.50%. Super senior citizens aged 80 and above can now access the highest available return of 7.50% on the updated special tenure. Rates across all other maturities stayed constant, including the 5-year IOB Tax Saver Deposit which is fixed at 6.10%. The adjustments also apply to Non-Resident External deposits maturing in 444 days.
Key points
Senior citizens earn a top interest rate of 7.25% on the 444-day tenure with their additi…: Senior citizens earn a top interest rate of 7.25% on the 444-day tenure with their additional 0.50% allowance.
Super senior citizens receive an additional 0.75% premium, pushing their peak return on 4…: Super senior citizens receive an additional 0.75% premium, pushing their peak return on 444-day deposits to 7.50%.
Non-Resident External accounts mirroring the 444-day tenure now earn an increased return…: Non-Resident External accounts mirroring the 444-day tenure now earn an increased return of 6.75%.
Sources checked by our analysis pipeline: 1
Indian Overseas Bank (IOB) has increased the interest rate on its special FD of 444 days. The bank, on the other hand, has trimmed the rate on FDs of 180 to 269 days. Thus, Indian Overseas Bank joins banks such as HDFC Bank, ICICI Bank, Kotak Mahindra Bank, among others that have also revised FD rates in November. The revised FD rates of Indian Overseas Bank are effective from November 10, 2026.
However, the bank has reduced the interest rate on deposits with tenures of 180-269 days from 4.75% to 4.50%. The bank has retained the interest rates for the rest of the FD tenures. Here is a detailed look at the revised IOB FD interest rates and how they compare with the earlier rates.
For super senior citizens (aged 80 years and above), an additional interest rate of 0.75% continues. The highest interest rate offered to super senior citizens is 7.50% on the 444-day tenure.
The interest rate of the IOB Tax Saver Deposit (5-year FD) will be 6.10%.
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