Repco Bank FD Interest Rates 2026

A fixed deposit at a competitive interest rate might be a suitable option for you, allowing you to stay invested for the long term without market risk. 

One such option to consider is Repco Bank FD schemes, offering attractive interest rates that align with your long-term investment goals. Let’s take a closer look at the Repco Bank FD Interest Rates for 2026 and see how they can work for you.

Repco Bank FD Interest Rate for General and Senior Citizens

With Repco Bank, you not only get a competitive interest rate, but you can also choose a flexible investment tenure. At Repco Bank, you can create a fixed deposit for as low as 30 days. For the long term, you can invest for up to 5 years.

As a regular citizen, you can get the highest interest on your FD, i.e. 7.50% per annum. Senior citizens get an additional 0.50% interest on their FD booking. 

With Stable Money, you can also earn a competitive interest rate and the best part is that you can choose from a list of the most prominent banks and NBFCs in India. 

Download the app today, book an FD and earn up to 8.00% interest PA!

Term-Wise Repco Bank FD Interest Rates

You can still choose short and medium-term investments based on your goals. Here are the detailed term-wise FD rates at Repco Bank that you must note:

Short-Term Investment 

A short-term investment typically means booking an FD for 7 days to up to 12 months. For a tenure of 45 days, the bank provides an interest rate of 4.25% for both regular and senior citizens. 

Repco Bank is currently offering a higher rate of interest, i.e. 7.50% for regular and 8.00% for senior citizens, for investment horizons of 12 months.

Medium-Term Investments

The bank for investment tenure of more than 1 year and up to 2 years is currently providing its highest interest rate, as mentioned earlier.

For an investment window of more than 2 years and up to 3 years, you will get a 7.25% return PA as a regular citizen. Here, senior citizens get 7.75% interest PA. 

Long-Term Investments

Depending on your financial goals, you might want to choose to book an FD for 5 years, i.e. typically considered as long-term. In 2026, Repco Bank is providing up to 6.25% interest PA for regular and 6.75% interest for senior citizens. 

Benefits of Repco Bank FD Interest Rates

Now that you know the prevailing interest rates by Repco Bank on FDs of different tenures, you must take note of the following benefits. It will help choose the FD and properly enjoy its benefits fully:

• Monthly Payment: Aside from the attractive Repco Bank FD rates for senior citizens, people aged 60 or more can enjoy a monthly interest payout. However, you must note that you get this option for FDs of 2 years. 
• More Return than Savings Account: Similar to most of the Indian banks, an FD account at Repco Bank provides more than 2 times the interest. For example, a savings account at the bank provides 3% interest, whereas an FD interest goes up to 8.15%. 
• Loan Applicability: When you need urgent cash in hand, you might think of breaking your FD. However, the bank provides a loan against your FD so that you do not break your FD and lose out on interest.

Eligibility to Avail the Repco Bank Fixed Deposit Rates

If you are interested in booking an FD with Repco Bank, you must note its eligibility requirements for a hassle-free account opening:

• Individuals who are 18 years or older can open an FD account with Repco Bank.
• Individual repatriates from countries such as Sri Lanka, Burma, Vietnam, etc, including their 1st generation, can create an FD with Repco Bank. 
• Any cooperative or multi-state cooperative society can create an FD with this bank.
• Central, state governments, corporations, entities controlled or owned by governments, government companies, etc, can create an FD account here. 

Documents Required to Avail Repco Bank FD Interest Rates

Creating an account and enjoying a competitive Repco Bank FD interest rate requires you to produce the following documents: 

• Produce your Aadhaar card or PAN Card copies as an identity proof.
• Provide passport and copies of utility bills as proof of address.
• Submit a copy of the relevant document highlighting your age.
• If asked, provide your recent passport-sized photographs.

Premature Withdrawal of Repco Bank Fixed Deposit

In some financial emergencies, a loan against your FD might not suffice. In such cases, you might choose to break your FD as a last resort. 

Similar to other banks, Repco Bank also allows for a premature withdrawal. However, you must note the financial penalty for it. When you break your FD prematurely, you will get a 1% lower interest rate for that period as a penalty. 

Tax on Repco Bank FD Interest 

Aside from earning from Repco Bank fixed deposit rates, you become liable for TDS as your interest income grows. 

If you are a regular citizen, you must pay a 10% TDS for interest earnings of more than ₹50,000. As a senior citizen, you pay the same amount of TDS but for ₹1 lakh interest income in a financial year. 

Repco Bank FD Interest Calculator

Take a look at the following example for more clarity:

Suppose, as a regular citizen, you invest ₹1 lakh in the  Repco Bank FD scheme for 5 years.  Due to your return of 7.5% upon maturity, your investment will earn ₹43,563, making your total payout to ₹1,43,563. 

Why Should You Book an FD with Stable Money?

Stable Money makes your FD booking process fast and smooth. The best part is that you do not need to open a bank account to get started. 

Just select your tenure, complete a quick video-KYC using your PAN card and you are done in just a few minutes. 

With Stable Money, you can earn attractive returns up to 8.15% per annum on Fixed Deposits and 8.00% per annum on Recurring Deposits. Plus, all your investments stay safe due to the DICGC insurance of up to ₹5 lakh.