Canara Bank Fixed Deposit 2025 – Check latest FD interest rates, features, benefits, eligibility, and online opening process. Secure your savings with guaranteed returns!
🏦 Canara Bank Fixed Deposit – Safe & Smart Investment Option in 2025
Aaj ke time me jab market volatility high hai, to safe investment option dhoondhna zaruri hai. Canara Bank Fixed Deposit ek aisa option hai jo secure return, guaranteed interest aur flexible tenure provide karta hai. Chahe aap retiree ho, salaried person ho ya business owner – Canara Bank Fixed Deposit har investor ke liye ek perfect savings plan hai.
💰 Canara Bank Fixed Deposit Kya Hai?
Canara Bank Fixed Deposit ek financial instrument hai jisme aap ek certain amount ko fixed tenure ke liye bank me deposit karte ho aur uspe fixed interest milta hai. Ye ek “low-risk investment” hai jisme aapko market fluctuation ka koi impact nahi hota.
Bank aapke deposited amount par daily, monthly, quarterly ya annually interest credit karta hai (FD type ke hisab se).
📈 Canara Bank Fixed Deposit Interest Rate 2025
Canara Bank apne customers ke liye attractive FD interest rates offer karta hai.
| Tenure | Regular Citizens | Senior Citizens |
|---|---|---|
| 7 days – 45 days | 3.00% | 3.50% |
| 46 days – 90 days | 4.50% | 5.00% |
| 91 days – 179 days | 4.75% | 5.25% |
| 180 days – 1 year | 5.75% | 6.25% |
| 1 year – 3 years | 6.85% | 7.35% |
| 3 years – 10 years | 6.70% | 7.20% |
(Note: Rates are indicative and may change as per RBI guidelines.)
Yahi reason hai ki Canara Bank Fixed Deposit investors ke beech ek popular choice hai, specially unke liye jo safe aur consistent return chahte hain.
🧾 Canara Bank Fixed Deposit Features
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💵 Minimum Deposit: ₹1,000 se start.
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🕒 Tenure: 7 days se lekar 10 years tak.
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🧍♂️ Eligibility: Individual, joint account, minors, HUFs, firms, trusts.
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💸 Interest Payout Options: Monthly, quarterly, cumulative.
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🪙 Loan Facility: FD ke against loan le sakte ho (up to 90%).
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📲 Online & Offline Opening: Canara NetBanking, Mobile App ya nearest branch me jaake open kar sakte ho.
📱 Canara Bank Fixed Deposit Online Kaise Khole?
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Canara Bank NetBanking me login karein.
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“Deposit” section me jaake “Open Fixed Deposit” choose karein.
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Deposit amount aur tenure select karein.
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Interest payout option choose karein.
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Confirm karte hi aapka Canara Bank Fixed Deposit account activate ho jata hai.
Offline method me aapko nearest branch me jaake FD form fill karna hota hai aur valid KYC documents dene hote hain.
💡 Canara Bank Fixed Deposit ke Fayde
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🛡 Guaranteed Returns: Market ups and downs ka koi effect nahi.
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🧓 Senior Citizen Benefits: 0.50% extra interest.
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🏦 Loan Against FD: Emergency me liquidity problem solve.
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🔒 Safe Investment: Government-backed scheduled bank ke under.
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🧾 Tax Saving Option: 5-year tax saving FD under section 80C.
🧠 Example: FD Calculation
Agar aap ₹1,00,000 deposit karte ho for 3 years at 6.85% interest rate —
To maturity value approximately ₹1,22,000 ke aas-paas hogi.
Ye clearly dikhata hai ki Canara Bank Fixed Deposit safe aur rewarding dono hai.
⚠️ Important Points
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FD premature withdraw karne par penalty lag sakti hai (0.5% to 1%).
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Tax Deducted at Source (TDS) applicable hota hai agar yearly interest ₹40,000 (senior citizens ke liye ₹50,000) se zyada ho.
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FD renewal ke liye auto-renewal facility available hai.
📋 Documents Required for Canara Bank Fixed Deposit
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Aadhar Card
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PAN Card
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Passport size photo
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Address Proof (Electricity bill, Voter ID, etc.)
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Existing Canara Bank account details
📢 Canara Bank Fixed Deposit for Senior Citizens
Senior citizens ke liye Canara Bank Fixed Deposit ek perfect option hai kyunki unhe 0.50% extra interest milta hai.
Example: Agar normal rate 6.85% hai to senior citizens ko 7.35% milega.
❓ FAQs –Canara Bank Fixed Deposit
1. Canara Bank Fixed Deposit me minimum amount kitna chahiye?
Aap sirf ₹1,000 se FD start kar sakte hain.
2. Canara Bank Fixed Deposit online kaise khole?
NetBanking ya Canara Bank Mobile App ke through FD open kar sakte ho.
3. Senior Citizens ke liye kya extra benefit hai?
Haan, 0.50% extra interest rate diya jata hai.
4. FD premature todne par kya charge lagta hai?
Haan, premature withdrawal par 0.5% se 1% penalty lag sakti hai.
5. FD ke against loan milta hai kya?
Haan, aap apne Canara Bank Fixed Deposit ke against 90% tak loan le sakte ho.
🏁 Conclusion
Agar aap safe aur stable returns chahte ho to Canara Bank Fixed Deposit aapke liye ek best investment option hai. Flexible tenure, online facility, aur guaranteed income ke sath ye plan har type ke investor ke liye perfect hai.
Lambe samay ke liye paisa secure karna chahte ho? To Canara Bank Fixed Deposit zarur consider karo.
⚠️ Disclaimer / Warning Message:
Yeh article sirf informational purpose ke liye hai. Interest rates, eligibility aur terms time-to-time bank ke rules ke hisab se badal sakte hain. FD invest karne se pehle apni nearest Canara Bank branch ya official website par updated details zarur check karein.
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