Karnataka Bank Fixed Deposit (FD) Interest Rates 2025

With its headquarters in Mangalore, Karnataka bank is a scheduled commercial bank allowing a greater reach for rural as well as urban populations. The bank not just offers retail services like mortgages, personal banking, credit cards etc., but also offers lucrative options of investment.

FD or fixed deposit is among the most noteworthy investments and the most preferred choice among customers of Karnataka bank. FDs have existed for long in India and are among the most trusted and guaranteed forms of investment with good returns.

Karnataka bank offers its customers with a range of products including FDs at interest rates that are among the best in the industry. Let us take a look at the Karnataka bank FD interest rates 2025.

Features of Karnataka Bank Fixed Deposit interest rates

Investment Amount	Tenure	Interest Rate
Minimum – INR 100 Maximum – No limit	Minimum 7 days Maximum 10 years	Minimum – 3.50% Maximum – 5.65%

 

Karnataka Bank Fixed Deposit Rates 2025

Here is a look at the Karnataka bank interest rates of FD:

Tenure	Rates for general public	Rates for senior citizens
7 days to 45 days	4.50%	4.90%
45 days to 90 days	4.50%	4.90%
91 days to 365 days	5.25%	5.65%
Above 1 year less than 2 years	7.00%	7.40%
375 days (KBL centenary deposit)	7.30%	7.70%
Above 2 years to less than 5 years	6.50%	6.90%
5 years to 10 years	5.80%	6.30%

Interest Rates of Tax Saving Fixed Deposits in Karnataka Bank

Tax Saving FD	Interest rate for general public	Interest rate for senior citizens
Karnataka Bank or KBL Tax Planner (5 years)	6.50% per annum	6.90% per annum

Interest rates on Minor Deposit Schemes w.e.f. 10 April 2025

Tenure	Interest rates per annum
375 days KBL Centenary Deposit	7.30%
7 days to 10 years	Based on domestic FDs
Above 10 years	5.50%

NRE Fixed Deposit interest rates w.e.f. April 10,2025

Tenure	Interest Rate per annum (below INR 2 Crore)	Interest Rate per annum (INR 2 Crore to INR 10 Crore)
375 days (KBL Centenary Deposit)	7.30%	7.30%
1 Year to 2 Years	7.00%	7.00%
Above 2 Year to 5 Years	6.50%	6.50%
Above 5 Year to 10 Years	5.80%	5.80%

Karnataka Bank FD Interest Rate Calculator

The FD calculator offered by Karnataka Bank is a simple and hassle-free tool that is used by customers to get help in calculating maturity amount quickly and efficiently. It also calculates the interest earned that is receivable by the FD investor at the end of the policy tenure. All you need is to enter certain basic details in the calculator to get the correct results.

Below are some steps that an investor can follow to calculate FD rates using the Karnataka bank FD rates Calculator:

• Enter the amount to be invested
• Enter the rate of interest offered by the bank
• Now, enter the tenure of the FD
• The compounding period is also needed to be entered -monthly, quarterly, half-yearly or yearly

Once you have entered all the details, you will come to know:

• The value of FD to be received at maturity
• The complete interest earned during the tenure of the FD

Fixed Deposits in the Current Time

Karnataka bank fixed deposit rates are based on three factors namely principal amount invested, the duration of investment, and the nature of the deposit.

The bank offers comparatively higher interest rates to senior citizens. However, anyone can invest in an FD to reap benefits from the schemes offered by Karnataka bank. The maturity period of the FDs starts from 7 days and extends up to 10 years.

There are three ways to reap the payout benefits of an FD. You can either choose to collect the payout of the interest on a quarterly basis, or you can collect it on a monthly basis. Alternatively, you can collect the payout at maturity of the FD. Further, loans are also available against your Fixed Deposit.

Tax Implications

The FDs with a tenure of 5 years are eligible for tax benefits under Karnataka Bank. However, the interest earned on the investment is taxable. If the interest earned goes beyond INR 10,000, the applicable tax is deducted at the source by Karnataka Bank.