Indian Overseas Bank Interest Rates & Calculators
Complete guide to Indian Overseas Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
Indian Overseas Bank FD Rates Overview
Indian Overseas Bank currently offers fixed deposit interest rates of up to 6.6% p.a. for the general public, and 7.1% for senior citizens. The full slab-wise IOB rate table is below — use the FD and RD calculators to compute your exact maturity amount.
IOB Financial Calculators
FD Calculator
Calculate IOB Fixed Deposit returns with latest rates
RD Calculator
Plan your IOB Recurring Deposit investments
Home Loan EMI Calculator
Calculate IOB home loan EMI with current rates
Personal Loan Calculator
Check IOB personal loan EMI and eligibility
IOB Credit Cards
Compare all 9 IOB credit cards on net value, rewards & perks
Latest IOB Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Indian Overseas Bank Fixed Deposit Rates
Latest Indian Overseas Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7-14 Days | 3.5% | 4% |
15-29 Days | 3.5% | 4% |
30-45 Days | 3.5% | 4% |
46-60 Days | 4% | 4.5% |
61-90 Days | 3% | 3.5% |
91-120 Days | 3.5% | 4% |
121-179 Days | 2.9% | 3.4% |
180-269 Days | 4.5% | 5% |
270 Days to < 1 Year | 5.5% | 6% |
1 Year | 6.5% | 7% |
> 1 Year to < 2 years (Except 444 Days) | 6.4% | 6.9% |
444 DaysHighest Yield | 6.6% | 7.1% |
2 Years to < 3 Years | 6.4% | 6.9% |
3 Years and above | 6.1% | 6.6% |
Indian Overseas Bank Recurring Deposit Rates
Latest Indian Overseas Bank Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7-14 Days | 3.5% | 4% |
15-29 Days | 3.5% | 4% |
30-45 Days | 3.5% | 4% |
46-60 Days | 4% | 4.5% |
61-90 Days | 3% | 3.5% |
91-120 Days | 3.5% | 4% |
121-179 Days | 2.9% | 3.4% |
180-269 Days | 4.5% | 5% |
270 Days to < 1 Year | 5.5% | 6% |
1 Year | 6.5% | 7% |
> 1 Year to < 2 years (Except 444 Days) | 6.4% | 6.9% |
444 DaysHighest Yield | 6.6% | 7.1% |
2 Years to < 3 Years | 6.4% | 6.9% |
3 Years and above | 6.1% | 6.6% |
Indian Overseas Bank Loan Rates
Indian Overseas Bank Loan Interest Rates Rates
Current Indian Overseas Bank loan interest rates and processing fees for different loan types.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanHighest Yield | 7.3% | 9.3% | 0.5% of loan amount + GST |
Personal Loan | 11.25% | 15.5% | 1% of loan amount + GST |
Car Loan | 8.75% | 10.25% | 0.5% of loan amount + GST |
Education Loan | 8.5% | 10.5% | Nil for loans up to ₹7.5 lakhs |
Business Loan | 9% | 12.75% | 0.75% of loan amount + GST |
Two Wheeler Loan | 9.5% | 12% | ₹1,000 + GST |
Gold Loan | 7.35% | 8.85% | ₹500 + GST |
Indian Overseas Bank Credit Cards (9)
Select any card to explore full rewards, airport lounge access & application benefits.
IOB VISA Signature Credit Card
IOB RuPay Select Credit Card
IOB VISA Platinum Credit Card
IOB RuPay Platinum Credit Card
IOB VISA Gold Credit Card
IOB RuPay Classic Credit Card
IOB VISA Classic Credit Card
IOB SalarySe Rise UP RuPay Platinum Card
IOB ZET Card
Why Choose Indian Overseas Bank?
Key benefits and features of banking with Indian Overseas Bank.
Competitive Rates
Up to 7.1% returns on deposits with attractive rates across short & long tenures.
Bank Security
Government-backed security with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
