Indian Overseas Bank— Banking Products & Rates 2026
Compare IOB interest rates across FDs, loans, savings, and more. All data updated for 2026.
IOB Products (10)
- FD Rates
Fixed deposit interest rates across all tenures
View rates → - Savings Account Interest
Savings account interest rate and features
View rates → - Home Loan Rate
Home loan rates, EMI, and eligibility
View rates → - Car Loan Rate
New and used car loan interest rates
View rates → - Personal Loan Rate
Unsecured personal loan rates and quick disbursal
View rates → - Education Loan Rate
Study loan rates for India and abroad
View rates → - Credit Card Features
Credit card benefits, fees, and reward programs
View rates → - Recurring Deposit
Monthly RD rates and maturity calculations
View rates → - NRE/NRO Account
NRI account rates and repatriation rules
View rates → - Locker Charges
Locker annual fees by size and city tier
View rates →
IOB Rate Summary
| Product | Quick Answer |
|---|---|
| FD Rates | Indian Overseas Bank offers FD rates ranging from 6.2–7% p.a. for general customers and 6.7–7.5% p.a. for senior citizen... |
| Savings Account Interest | Indian Overseas Bank currently offers a savings account interest rate of 2.75% p.a.. Interest is calculated on daily clo... |
| Home Loan Rate | Indian Overseas Bank home loan interest rates start at 8.4% p.a. and go up to 9.65% p.a. (as of early 2026). Rates are l... |
| Car Loan Rate | Indian Overseas Bank car loan interest rates range from 8.65–9.5% p.a. for new cars. The actual rate depends on your cre... |
| Personal Loan Rate | Indian Overseas Bank personal loan interest rates range from 11.25–15.5% p.a.. Existing customers with salary accounts m... |
| Education Loan Rate | Indian Overseas Bank education loan rates range from 8.4–10.75% p.a.. Loans up to ₹7.5 lakh do not require collateral. I... |
| Credit Card Features | Indian Overseas Bank offers credit cards ranging from entry-level cashback cards to premium travel and lifestyle cards. ... |
| Recurring Deposit | Indian Overseas Bank offers a recurring deposit (RD) interest rate of approximately 6.7% p.a. RDs allow systematic month... |
| NRE/NRO Account | Indian Overseas Bank NRE fixed deposits earn 6.7% p.a. (tax-free in India). NRE accounts hold repatriable foreign earnin... |
| Locker Charges | Indian Overseas Bank offers bank lockers in small, medium, large, and extra-large sizes. Annual charges vary by city tie... |