YES Bank FD Rates 2026: Fixed deposits remain one of the most trusted investment choices in India, offering guaranteed returns and peace of mind. In 2026, YES Bank has introduced attractive FD interest rates that cater to both short-term savers and long-term investors. With flexible tenure options, special benefits for senior citizens, and digital convenience, YES Bank FDs are designed to meet diverse financial needs while ensuring safety and growth.
Attractive interest rates
YES Bank FD rates in 2026 start at 3.25% p.a. for short tenures and go up to 7.00% p.a. for longer tenures for regular citizens. Senior citizens enjoy an additional 0.50% interest, with rates reaching up to 7.75% p.a.. This makes YES Bank one of the most competitive private banks for FD investments, offering higher returns compared to traditional savings accounts.
Wide tenure flexibility
Investors can choose from 7 days to 10 years, making YES Bank FDs suitable for both short-term liquidity needs and long-term wealth creation. Short tenures are ideal for emergency funds, while longer tenures maximize returns. For example, a 3-year FD offers 7% for regular citizens and 7.5% for seniors, ensuring steady growth without market risks.
Senior citizen advantage
YES Bank continues to prioritize retirees by offering higher FD rates for senior citizens. With rates up to 7.75% p.a., seniors can enjoy better income security. This extra benefit ensures that retirees relying on fixed income sources can safeguard their financial future while earning more than younger investors.
Tax-saving deposits
YES Bank offers tax-saving FDs at 6.75% p.a. with a mandatory lock-in of five years. These deposits qualify for deductions under Section 80C of the Income Tax Act, allowing investors to save up to ₹1.5 lakh annually in taxes. This makes them a smart choice for salaried professionals and taxpayers seeking both returns and tax efficiency.
NRI deposit options
YES Bank also caters to NRIs with specialized FD products such as NRE, RFC, and FCNR (B) deposits. These accounts are available in multiple currencies including USD, GBP, EUR, JPY, CAD, AUD, HKD, and SGD. This flexibility allows NRIs to invest securely while earning competitive returns in their preferred currency.
Liquidity and safety
YES Bank FDs offer premature withdrawal options and loans against deposits, ensuring liquidity during emergencies. Additionally, deposits up to ₹5 lakh are insured by DICGC, providing an extra layer of safety. This makes YES Bank FDs a secure investment choice for risk-averse individuals.
Digital convenience
Opening and managing FDs with YES Bank is now easier than ever. Through internet banking and mobile apps, investors can book deposits instantly, track maturity dates, and manage renewals without visiting a branch. This digital-first approach ensures convenience and accessibility for modern investors.
Comparison with peers
Compared to other private banks, YES Bank’s FD rates are among the most attractive in 2026. While many banks offer around 6.5%–6.75%, YES Bank’s 7%–7.75% range stands out, especially for senior citizens. This competitive edge makes YES Bank a preferred choice for depositors seeking higher returns with safety.
Conclusion
YES Bank FD rates in 2026 combine high returns, flexible tenures, senior citizen benefits, tax-saving options, and digital convenience. With assured safety through DICGC insurance and competitive interest rates, YES Bank FDs are a smart investment for individuals and families looking to grow their savings securely. Whether you’re planning short-term goals, retirement, or tax savings, YES Bank’s fixed deposits remain one of the most dependable financial products this year.
Disclaimer: The information provided about YES Bank FD rates in 2026 is for general awareness only. Investors should verify details directly with YES Bank before making financial decisions.
