Yes Bank FD Rates 2026: Fixed Deposit Interest Rates
Last updated:
Quick Answer
Yes Bank offers FD rates ranging from 7–7.75% p.a. for general customers and 7.5–8.25% p.a. for senior citizens. Rates vary by tenure — longer tenures (2–5 years) typically offer the best rates.
Yes Bank FD Rates — Rates at a Glance
| 7–14 days | 7% p.a. |
| 15–29 days | 7.1% p.a. |
| 30–45 days | 7.2% p.a. |
| 46–90 days | 7.4% p.a. |
| 91–179 days | 7.5% p.a. |
| 180–364 days | 7.38% p.a. |
| 1–2 years | 7.75% p.a. |
| Senior Citizen (1–2 years) | 8.25% p.a.(+0.50% extra) |
Rates are indicative as of 2026-04-07. Verify with Yes Bank official website before investing.
Key Things to Know
- 1Yes Bank FD rates range from 7–7.75% p.a. for general customers
- 2Senior citizens get an additional 0.50% over general rates
- 3Premature withdrawal is allowed with a penalty of 1% on applicable rate
- 4Tax Saver FDs (5-year lock-in) qualify for Section 80C deduction up to ₹1.5 lakh
- 5Interest earned is taxable as per income slab; TDS at 10% if interest > ₹40,000/year
- 6DICGC insures deposits up to ₹5 lakh per depositor per bank
Calculate Your Returns
Principal
₹1,00,000
Interest Earned
₹23,144
Maturity Amount
₹1,23,144
Calculated with quarterly compounding (standard for most Indian banks). Actual maturity may vary by bank.
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SponsoredFD rates up to 8.85% — higher than most banks
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Frequently Asked Questions
What is the highest Yes Bank FD rate in 2026?
The highest Yes Bank FD rate for general customers is 7.75% p.a., while senior citizens can earn up to 8.25% p.a. These peak rates apply for specific tenures — usually 1–2 years.
Can I break Yes Bank FD before maturity?
Yes, Yes Bank allows premature withdrawal of FDs. However, a penalty of approximately 1% is deducted from the applicable interest rate for the period held.
Is TDS deducted on Yes Bank FD interest?
Yes, TDS at 10% is deducted if total FD interest exceeds ₹40,000 per year (₹50,000 for senior citizens). Submit Form 15G/15H to avoid TDS if your income is below the taxable limit.
What is the minimum amount to open a Yes Bank FD?
The minimum FD amount at Yes Bank is typically ₹5,000 for regular FDs.