Indian Overseas Bank revises FD interest rates: 6.75% rate on 444-day deposits, rate cut on 180–269 day FDs

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.

Indian Overseas Bank 444 days FD interest rates

IOB has increased the interest rate on its special 444-day fixed deposit by 15 basis points (bps), from 6.60% to 6.75%, for regular deposits.

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.

Deposits	Existing Rates for Deposits below Rs. 3 Crore	Revised Rates for Deposits below Rs. 3 Crore
	W.E.F 15.05.2026 (in %)	W.E.F 10.11.2026 (in %)
7-14 Days*	3.5	3.5
15-29 Days	3.5	3.5
30-45 Days	3.5	3.5
46-60 Days	4	4
61-90 Days	3	3
91-120 Days	3.5	3.5
121-179 Days	2.9	2.9
180-269 Days	4.75	4.5
270 Days to < 1 Year	5.5	5.5
1 Year	6.5	6.5
> 1 Year to < 2 Years	6.4	6.4
(Except 444 Days)
444 Days	6.6	6.75
2 Years to < 3 Years	6.4	6.4
3 Years and above	6.1	6.1

Revised IOB senior citizens FD interest rate

For senior citizens (aged 60 years and above), the bank offers an additional interest rate of 0.50%. The highest interest rate offered to senior citizens is 7.25% on 444 days.

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%.

IOB NRE FD interest rates

Period of Deposit	Existing Rates for Deposits below Rs. 3 Crore	Revised Rates for Deposits below Rs. 3 Crore
	w.e.f. 15.12.2025 (in %)	w.e.f. 10.11.2026 (in %)
1 Year	6.5	6.5
> 1 Year to < 2 Years (Except 444 Days)	6.4	6.4
444 Days	6.6	6.75
2 Years to < 3 Years	6.4	6.4
3 Years and Above	6.1	6.1