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Ratekhoj.com, Best Fixed Deposits, Loans, Insurance Rates and Credit Cards - Part 2

SBI, ICICI and other banks hike FCNR rates

Posted in FCNR  by Ram Vishnu
May 11, 2012




SBI, ICICI and other banks have FCNR deposit accounts to NRIs have increased the interest rates being offered based on a RBI hike in ceiling on interest offered by such accounts. The rates have gone up by 75bps or 0.75% for FCNR deposits of  between 1 and 3 years. The rates have gone up by 175 bps or 1.75% for deposits with maturity periods of over 3 years. With this hike, FCNR deposits now give an interest rate of 3.67% for deposits of between 2 and 3 years, while deposits of 5 years duration now fetch an interest rate of 4.11%.

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India FD Interest Rate Roundup - September 15, 2011

Posted in 80c, Banking, Fixed Deposits, NRO  by Ram Vishnu
September 14, 2011




Best FD Interest Rates in India as of September 15, 2011

(You can get the current best fixed deposit rates in India here.)

Highest Fixed Deposit Rates for Non-Seniors in all Indian Banks

Duration Institutions Rate
3 months Corporation Bank 8.75
6 months Oriental Bank Of Commerce 9.10
1 year Lakshmi Vilas Bank
Greater Bombay Coop Bank
10.50
2 years Lakshmi Vilas Bank
Mahanagar Co-op Bank
10.50
3 years Mahanagar Co-op Bank 10.50
4 years City Union Bank
Tamilnad Mercantile Bank
9.75
5 years Tamilnad Mercantile Bank 10.00
>5 years Tamilnad Mercantile Bank 10.00

Highest Fixed Deposit Rates for Non-Seniors in Public Sector Banks

Duration Institutions Rate
3 months Corporation Bank 8.75
6 months Oriental Bank Of Commerce 9.10
1 year Oriental Bank Of Commerce 9.75
2 years Oriental Bank Of Commerce 9.75
3 years State Bank Of Travancore 9.60
4 years State Bank Of Travancore 9.60
5 years State Bank Of Travancore 9.60
>5 years State Bank Of Travancore 9.60

Highest Fixed Deposit Rates for Seniors in all Indian Banks

Duration Institutions Rate
3 months UCO Bank
Corporation Bank
8.75
6 months Oriental Bank Of Commerce 9.60
1 year Greater Bombay Coop Bank 11.00
2 years Lakshmi Vilas Bank
Mahanagar Co-op Bank
10.75
3 years Mahanagar Co-op Bank 10.75
4 years Lakshmi Vilas Bank
IDBI Bank
10.25
5 years Tamilnad Mercantile Bank
IDBI Bank
Lakshmi Vilas Bank
IDBI Bank
10.25
>5 years IDBI Bank
Tamilnad Mercantile Bank
IDBI Bank
10.25

Highest Fixed Deposit Rates for Seniors in Public Sector Banks

Duration Institutions Rate
3 months UCO Bank
Corporation Bank
8.75
6 months Oriental Bank Of Commerce 9.60
1 year Oriental Bank Of Commerce
IDBI Bank
10.25
2 years Oriental Bank Of Commerce
IDBI Bank
10.25
3 years IDBI Bank 10.25
4 years IDBI Bank 10.25
5 years IDBI Bank 10.25
>5 years IDBI Bank 10.25

Highest FD Rates for Non-Seniors for 80(C) tax savings deposits

(Max of Rs. 1 lakh per year. Duration of FD is minimum of 5 years)

Institutions Rate
Tamilnad Mercantile Bank 10.00

Highest FD Rates for Seniors for 80(C) tax savings deposits

(Max of Rs. 1 lakh per year. Duration of FD is minimum of 5 years)

Institutions Rate
Tamilnad Mercantile Bank 10.25

Highest NRO Fixed Deposit Rates (for NRIs)

Duration Institutions Rate
3 months Syndicate Bank 8.50
6 months Syndicate Bank 9.00
1 year Tamilnad Mercantile Bank 10.00
2 years Catholic Syrian Bank 9.70
3 years Tamilnad Mercantile Bank 9.75
4 years Tamilnad Mercantile Bank 9.75
5 years Tamilnad Mercantile Bank 10.00
>5 years Tamilnad Mercantile Bank 10.00

You can get the current best fixed deposit rates in India here.

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Highest NRO Fixed Deposit Rates in India as of October 22

Posted in NRO  by Ram Vishnu
October 21, 2010




The highest NRO fixed deposit rates in India across all banks in India as of October 22, 2010 are shown below. Non-Resident Ordinary (NRO) accounts can be opened by NRIs themselves or jointly with resident Indians. For the latest NRO fixed deposit rates, please visit Ratekhoj’s NRO fixed deposit rate comparison page


Highest NRO Fixed Deposit Rates in India


Duration Institutions Rate
3 months Syndicate Bank 8.50
6 months Syndicate Bank 9.00
1 year Tamilnad Mercantile Bank 10.00
2 years Catholic Syrian Bank 9.70
3 years Tamilnad Mercantile Bank 9.75
4 years Tamilnad Mercantile Bank 9.75
5 years Tamilnad Mercantile Bank 10.00
>5 years Tamilnad Mercantile Bank 10.00

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The highest fixed deposit rates in India across all banks and post office schemes in India as of October 22, 2010 are shown below. For the latest fixed deposit rates, please visit Ratekhoj’s fixed deposit rate comparison page


Highest Fixed Deposit Rates in India for Non-Seniors (people below 60 years)


Duration Institutions Rate
3 months YES Bank 6.70
6 months Kotak Mahindra Bank 7.75
1 year Kotak Mahindra Bank 8.00
2 years Dombivli Nagari Sahakari Bank 8.25
3 years Dombivli Nagari Sahakari Bank 8.25
4 years Dombivli Nagari Sahakari Bank 8.25
5 years Post Office Senior Citizens Saving Scheme 8.60
>5 years Post Office National Savings Certificates 8.90


Highest Fixed Deposit Rates in India for Seniors (people above 60 years)


Duration Institutions Rate
3 months YES Bank 7.20
6 months Kotak Mahindra Bank 7.75
1 year Abu Dhabi Commercial Bank 8.25
2 years Dombivli Nagari Sahakari Bank 8.75
3 years Dombivli Nagari Sahakari Bank 8.75
4 years Dombivli Nagari Sahakari Bank 8.75
5 years Dombivli Nagari Sahakari Bank 8.75
>5 years Post Office National Savings Certificates 8.90

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Makemytrip.com, a online travel website, is offering upto 30% off for ICICI netbanking customers. These discounts are valid upto August 20, 2010.

Some of the salient aspects of this offer are as follows:

Domestic Flights: Upto Rs. 250 cashback
• Rs. 100 per one way ticket or Rs. 250 per return ticket (except Indigo Airlines and Spice Jet Airlines)

Bus: 20% cashback
• Max Rs. 100 per transaction on 5 unique transactions booked on five different dates
• A maximum cash back of Rs. 1000 per account

Online Hotels: Upto 30% cashback
• 30% cashback on bookings above Rs. 5,000
• 15% cashback on bookings uptill Rs. 5,000
• Max Rs. 500 per night and Rs. 1,500 per transaction

International Flights: 10% cashback
• Max Rs. 5,000 per transaction for US travel
• Max Rs. 750 per transaction to any other sector (except SAARC countries)

The deal code to be used is ICICINET. More details of this offer are available on makemytrip.com.

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Travel website Yatra.com is offering upto 30% on travel bookings for ICICI Bank Credit and Debit Cardholders. This offer is valid till July 31, 2010.

How to avail these discounts:

1. Search for a flight (domestic or international) or a hotel within India at www.yatra.com.

2. Select your preferred flight or hotel and continue with the booking process.

3. On the Payment Details, enter the promotion code, that is the letters ”ICICI” followed by the first 6 digits of your ICICI Bank Credit or Debit Card Number. For example, if your card number is 5239 5134 5678 9012, the promotion code will be “ICICI523951″.


Book online using your ICICI Bank Credit or Debit card and get following benefits:

1. Get 30% discount on Hotel and holiday booking with your signature, platinum and Titanium Credit card subject to maximum to Rs. 1250/- off.

2. Get 15% discount on hotels and holiday booking within India for Gold and Silver Credit Card subject to maximum to Rs. 750/- off.

3. Get 10% discount on domestic flights subject to maximum of Rs 250/- off.

4. Get 10% discount on International Flights subject to maximum of Rs. 750/- off.

Book a train ticket on Yatra.com using your ICICI Bank Credit or Debit card and get Rs 250 off on your next hotel or holidays bookings. Just make a successful Train booking and Yatra.com will SMS the discount code to you on the Cell no. provided to it during your booking.

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Reserve Bank of India (RBi) has indicated through a press release that applications made to various departments of the Reserve Bank of India (RBI) can now be tracked on-line through the Application Tracking System (ATS). The Reserve Bank launched the Application Tracking System on its website for convenience of the public. The ATS, cannot be used for tracking complaints made under the Banking Ombudsman Scheme or any other complaints.

For tracking the above applications made, the applicants will have to register on the RBI website (ATS link on the home page of www.rbi.org.in). The tracking system will generate a first time login password and send it to the applicant through email. The applicants must necessarily change their password on first login. Through this facility, the applicant can then submit an online application, attach related documents, view it and track its movement.

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June 5, 2010. DBS Bank is offering the highest fixed deposit interest rates among all banks in India currently. DBS offers an interest rate of 8.75% for a term of 5 years for non-senior citizens for deposit amounts upto Rs. 15 lakhs. DBS Bank is a foreign bank headquartered in Singapore with 10 branches in India.

Among other banks, South Indian Bank, Bank of Rajasthan, City Union Bank, Catholic Syrian Bank are all offering attractive FD rate of 8.00%. These are all private sector banks.

Among public sector banks, State Bank of Travancore is offering the highest interest rate of 7.75% for a term of 8 to 10 years.

Visit Ratekhoj.com’s FD comparison section to compare and get the best fixed deposit rates in India at any time.

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June 5, 2010. DBS Bank is offering the highest interest rate among all banks in India for NRO fixed deposits. DBS is offering an interest rate of 8.75% for deposit amounts below Rs. 15 lakhs for a NRO fixed deposit period of 5 years. For amounts above Rs. 15 lakhs and below Rs. 50 lakhs, DBS offers an interest rate of 8.60% while you can get an interest rate of 8.40% for amounts above Rs. 50 lakhs.

DBS Bank is a bank headquartered in Singapore providing the full range of services in corporate, SME, consumer and wholesale banking activities across Asia and the Middle East. DBS Bank has 10 branches in India.

Among other banks, Tamilnad Mercantile Bank, South Indian Bank, DBS Bank, Bank Of Rajasthan and Catholic Syrian Banks are all offering interest rate of 8.00% for various NRO FD terms.

Visit Ratekhoj.com to compare and get the best NRO fixed deposit rates in India.

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NRE fixed deposit rates reduced by banks in India

Posted in NRE  by Ram Vishnu
January 5, 2010




Effective from January 01, 2010, banks in India offering NRE deposits have reduced their interest rates. For NRE fixed deposits of 1 to 2 years term, the new interest rate is 2.77%. The interest rate is 2.76% for a term of 2 years and above but less than 3 years. For a NRE deposit of 3 years and above, upto 5 years the interest rate is 3.31%.

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