Indian Overseas Bank Interest Rates & Financial Calculators
Compare FD, RD, and loan rates with our calculators
Complete guide to Indian Overseas Bank interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
Best FD Rate
7.2%
Home Loan Rate
7.3%
Bank Type
public
Last Updated
Dec 2025
Latest IOB Interest Rates
Deposits (FD & RD) Interest Rates
Indian Overseas Bank Fixed Deposit Rates
FD CalculatorLatest 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 | 3% | 3.5% |
180-269 Days | 5% | 5.5% |
270 Days to < 1 Year | 5.5% | 6% |
1 Year | 6.6% | 7.1% |
> 1 Year to < 2 years (Except 444 Days) | 6.5% | 7% |
444 Days | 6.7% | 7.2% |
2 Years to < 3 Years | 6.5% | 7% |
3 Years and above | 6.2% | 6.7% |
Indian Overseas Bank Recurring Deposit Rates
RD CalculatorLatest 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% | 3.5% |
15-29 days | 3% | 3.5% |
30-45 days | 3% | 3.5% |
46-60 days | 4.5% | 5% |
61-90 days | 4.5% | 5% |
91-179 days | 4.9% | 5.4% |
180-210 days | 5.6% | 6.1% |
211-270 days | 5.6% | 6.1% |
271-302 days | 5.6% | 6.1% |
303 days | 5.5% | 6% |
304 days-1 year | 5.6% | 6.1% |
1 year | 6.25% | 6.75% |
1-389 days | 6.4% | 6.9% |
390 days | 6.6% | 7.1% |
391-505 days | 6.4% | 6.9% |
506 days | 6.3% | 6.8% |
507 days-2 years | 6.4% | 6.9% |
2-3 years | 6.4% | 6.9% |
3-1203 days | 6.25% | 6.75% |
1204 days | 6.15% | 6.65% |
1205 days-5 years | 6.25% | 6.75% |
5-1894 days | 6% | 6.8% |
1895 days | 5.85% | 6.65% |
1896 days-10 years | 6% | 6.8% |
IOB Calculators & Tools
Loan Interest 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 Loan | 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 |
Why Choose Indian Overseas Bank?
Discover the advantages of banking with one of India's most trusted financial institutions
Competitive Rates
Up to 7.2% returns on Fixed Deposits with attractive rates for all tenures
Bank Security
Government-backed security with deposit insurance up to ₹5 lakhs
Digital Banking
Advanced mobile banking, online FD booking, and instant loan approvals through digital channels
Customer Service
24/7 customer support with extensive branch network and dedicated relationship managers
Additional Benefits
Interest rates last updated: Dec 2025
Data Source
Indian Overseas Bank Official Rates