New Delhi: Indian Overseas Bank (IOB) still remains one of the most reliable names in the eyes of conservative investors in India. A reputable organization with a track record of high performance and secure banking products, the 2025 Fixed Deposit (FD) schemes of IOB will provide stable and high returns in various tenure rates. Those who wish to be safe and assured of income can get 30,908 in interest on depositing 2 lakh rupees, and this can be a good alternative for those who wish to be secure rather than get high-risk returns.
IOB Fixed Deposit Scheme 2025 Overview
Indian Overseas Bank also provides fixed deposits, both short-term and long-term. Be it 1 year, 3 years, or up to 5 years, the bank offers competitive interest rates on FDs, hence guaranteed returns in the long run.
In the case of 2025, the long-term FD plan at IOB has been one of the most popular savers plans-20,000 can result in an interest of 30,908 at maturity (based on the tenure and the rate at which it is compounded).
2025 Current IOB FD Interest Rates.
The 2025 interest rates of IOB FD also differ according to the duration of deposit and the type of investor. As of now:
Service (General) Interest Rate (General) Interest Rate (Senior Citizens)
7 days–45 days 3.50% p.a. 4.00% p.a.
46 days–179 days 4.50% p.a. 5.00% p.a.
180 days – 1 year 5.75% p.a. 6.25% p.a.
1 year–2 years: 6.80% p.a., 7.30% p.a.
2 years–3years 7.00% p.a. 7.50% p.a.
3 years–5years 7.10% p.a. 7.60% p.a.
(Rates are indicative and can be different to some extent depending on the official updates issued by the IOB.)
Exam Take 2 Lakh IOB FD Investment
We will make a more detailed look at your possible income:
- Deposit Amount: ₹2,00,000
- Tenure: 5 years
- Interest Rate: 7.10% p.a. (when investing as a general investor)
- Maturity Amount: ₹230,908
- Total Interest Earned: ₹30,908
In the case of the senior citizens, the maturity amount increases to about 32912 at the interest rate of 7.60 per annum, which is equivalent to 32912/5, i.e., 32,912.
Why Choose IOB FD in 2025?
The FD of Indian Overseas Bank has been viewed to be always safe and profitable to those who want to enjoy stability. This is the reason why it is significant in this year:
- Guaranteed Returns: Guaranteed returns regardless of the market movement.
- Capital Safety: IOB is a government-regulated commercial bank in the public sector, thus ensuring total deposit security.
- Flexible Tenure Options: Select 7 days up to 10 years as your financial objective.
- Increased Interest on Higher Senior Citizens: A further interest of 0.50 p.a. on higher senior citizens.
- Simple liquidity: E.w. Premature withdrawal and loans against FD are available.
How to Open an IOB FD in 2025
It is easy and convenient to invest in an FD in an Indian Overseas Bank:
- Get to the closest IOB branch, access the IOB net banking application, or use the IOB mobile app.
- Select the FD tenure and deposit amount of your choice.
- Provide KYC soft copies (Aadhaar, PAN, and address proof).
- Select interest payout frequency: monthly, quarterly, or on maturity.
- Get your money and FD receipt instantaneously.
Tax Implications
Interest imposed on the IOB FDs is subject to payment of the Income Tax Act, 1961. In the event of exceeding the annual interest to 40,000 (50,000 in the case of senior citizens), TDS (Tax Deducted at Source) is applicable. TDS can be avoided by filing Form 15G/15H by investors who meet the requirements.
Conclusion
Indian Overseas Bank FD 2025 remains among the best options for risk-averse investors, as it provides a stable and guaranteed rate. Having good interest rates and the flexibility, an FD of 2 lakh rupees with the yield of 30,908 over a period of five years provides security and stability of financial development.
The fixed deposit plans at IOB are a reliable and profitable investment for anyone, particularly senior citizens, who would be seeking safe investments in the year 2025.
