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பிக்சட் டெபாசி எனப்படும் நிரந்தர வைப்பு நிதி திட்டங்கள் மீதான வட்டி விகிதம் கடந்த சில ஆண்டுகளாகத் தொடர்ந்து குறைந்துகொண்டே வருகின்றது. ஆனால் இது ஒரு பாதுகாப்பான முதலீடு திட்டம் என்பதால் பிரபலமான முதலீட்டுத் திட்டமாக உள்ளது.
பல வங்கிகள் நிரந்தர வைப்பு நிதி மற்றும் சேமிப்பு கணக்குகள் மீது அளித்த வந்த வட்டி விகிதத்தினை மாற்றியுள்ளன. எனவே இங்கு எஸ்பிஐ, ஐசிஐசிஐ, எச்டிஎப்சி, ஆக்சிஸ், பஞ்சாப் நேஷனல் வங்கி, கோடாக் மகேந்திரா வங்கி உள்ளிட்டவையில் நிரந்தர வைப்பு நிதி திட்டங்களுக்கு எவ்வளவு வட்டி விகிதம் அளிக்கப்படுகின்றது என்று இங்கு விளக்கமாகப் பார்ப்போம்.
எஸ்பிஐ வங்கி
Tenors | "Revised For Public w.e.f. 01.07.2017 | Revised for Senior Citizens w.e.f. 01.07.2017 (In %) |
---|---|---|
7 days to 45 days | 5.5 | 6 |
46 days to 179 days | 6.5 | 7 |
180 days to 210 days | 6.5 | 7 |
211 days to less than 1 year | 6.5 | 7 |
1 year | 6.75 | 7.25 |
Above 1 year to 455 days | 6.5 | 7 |
456 days to less than 2 years | 6.5 | 7 |
2 years to less than 3 years | 6.25 | 6.75 |
3 years to less than 5 years | 6.25 | 6.75 |
5 years and up to 10 years | 6.25 | 6.75 |
ஐசிஐசிஐ வங்கி
Tenure Period | Rate of Interest (% p.a.) w.e.f July 19, 2017 | |
---|---|---|
General | Senior Citizen* | |
7 days to 14 days | 4 | 4.5 |
15 days to 29 days | 4.25 | 4.75 |
30 days to 45 days | 5.5 | 6 |
46 days to 60 days | 5.75 | 6.25 |
61 days to 90 days | 6 | 6.5 |
91 days to 120 days | 6 | 6.5 |
121 days to 184 days | 6 | 6.5 |
185 days to 289 days | 6.25 | 6.75 |
290 days to less than 1 year | 6.5 | 7 |
1 year to 389 days | 6.75 | 7.25 |
390 days to 2 years | 6.75 | 7.25 |
2 years 1 day upto 5 years | 6.5 | 7 |
5 years 1 day upto 10 years | 6.5 | 7 |
5 Years Tax saver FD(Max upto Rs. 1.50 lac) | 6.5 | 7 |
எச்டிஎப்சி வங்கி
Period | < 1 Crore | >=1 Crore to < 5 Crores | ||
---|---|---|---|---|
Interest Rate | **Senior Citizen Rates | Interest Rate | **Senior Citizen Rates | |
(per annum) | (per annum) | (per annum) | (per annum) | |
7 - 14 days | 3.50% | 4.00% | 4.25% | 4.75% |
15 - 29 days | 4.25% | 4.75% | 4.25% | 4.75% |
30 - 45 days | 5.50% | 6.00% | 4.25% | 4.75% |
46 - 60 days | 5.75% | 6.25% | 4.50% | 5.00% |
61 - 90 days | 5.75% | 6.25% | 4.50% | 5.00% |
91 days - 6 months | 5.75% | 6.25% | 5.75% | 6.25% |
6 mnths 1 day- 6 mnths 3 days | 6.00% | 6.50% | 5.25% | 5.75% |
6 mnths 4 days | 6.00% | 6.50% | 6.25% | 6.75% |
6 mnths 5 days- 9 mnths | 6.00% | 6.50% | 5.25% | 5.75% |
9 mnths 1 day- 9 mnths 3 days | 6.00% | 6.50% | 5.25% | 5.75% |
9 mnths 4 days | 6.00% | 6.50% | 6.25% | 6.75% |
9 months 5 days - 9 months 15 days | 6.00% | 6.50% | 5.25% | 5.75% |
9 months 16 days | 6.25% | 6.75% | 5.25% | 5.75% |
9 months 17 days < 1 Year | 6.25% | 6.75% | 5.25% | 5.75% |
1 Year | 6.75% | 7.25% | 4.90% | 5.40% |
1 year 1 day - 1 year 3 days | 6.75% | 7.25% | 4.90% | 5.40% |
1 year 4 days | 6.25% | 6.75% | 6.50% | 7.00% |
1 year 5 days - 1 Year 15 Days | 6.25% | 6.75% | 5.00% | 5.50% |
1 Year 16 days | 6.25% | 6.75% | 5.00% | 5.50% |
1 year 17 days - 2 Years | 6.25% | 6.75% | 5.00% | 5.50% |
2 years 1day - 2 Years 15 days | 6.00% | 6.50% | 4.85% | 5.35% |
2 Years 16 days | 6.00% | 6.50% | 4.85% | 5.35% |
2 years 17 days - 3 Years | 6.00% | 6.50% | 4.85% | 5.35% |
3 years 1day - 5 years | 6.00% | 6.50% | 4.85% | 5.35% |
5 Years 1 Day - 8 Years | 6.00% | 6.50% | 4.85% | 5.35% |
8 Years 1 Day - 10 Years | 6.00% | 6.50% | 4.85% | 5.35% |
பஞ்சாப் நேஷ்னல் வங்கி
Domestic TD Less Than Rs.1 Cr. | Domestic TD Rs.1 Cr. To Rs. 10 Cr # | NRE TD Less Than Rs. 1 Cr | NRE TD Rs. 1 Cr. To Rs. 10 Cr. | PNB Tax Saver FD | |||||
---|---|---|---|---|---|---|---|---|---|
W.E.F. 19.08.2017 | W.E.F. 03.02.2017 | W.E.F. 19.08.2017 | W.E.F. 03.02.2017 | ||||||
Sl. No | Period | ROI (% p.a.) | A.Y.** | For Senior Citizen ROI (% p.a.) | ROI (% p.a.) | A.Y.** | ROI (% p.a.) | ROI (% p.a.) | ROI (% p.a.) |
1 | 7 to 14 days | 4 | 4 | 4.5 | 4 | 4 | NA | NA | NA |
2 | 15 to 29days | 4 | 4 | 4.5 | 4 | 4 | NA | NA | NA |
3 | 30 to 45 days | 4.5 | 4.5 | 5 | 4 | 4 | NA | NA | NA |
4 | 46 to 90 days | 5.5 | 5.5 | 6 | 4 | 4 | NA | NA | NA |
5 | 91 to 179 days | 6 | 6 | 6.5 | 4 | 4 | NA | NA | NA |
6 | 180 days to 270 Days | 6.25 | 6.3 | 6.75 | 4.25 | 4.27 | NA | NA | NA |
7 | 271 days to less than 1 year | 6.25 | 6.35 | 6.75 | 4.25 | 4.3 | NA | NA | NA |
8 | 1 year | 6.6 | 6.77 | 7.1 | 4.5 | 4.58 | 6.6 | 4.5 | NA |
9 | above 1 year & upto 3 years | 6.5 | 6.66 | 7 | 4.5 | 4.58 | 6.5 | 4.5 | NA |
10 | above 3 year & upto 5 years | 6.25 | 6.82 | 6.75 | 4.5 | 4.79 | 6.25 | 4.5 | Public (General)- 6.25 (for 5 years) 6.25 ( for above 5years to 10 years) |
11 | above 5 years & upto 10 years | 6.25 | 7.27 | 6.75 | 4.5 | 5.02 | 6.25 | 4.5 | Retired Staff (Sr. Citizen)- 7.25(for 5 years) 7.25 ( for above 5years to 10 years) |
ஆக்சிஸ் வங்கி
PERIOD | INTEREST RATES (% P.A.) | |
---|---|---|
INTEREST RATE ON DEPOSITS | INTEREST RATES ON DEPOSITS OF | |
BELOW RS. 1 CRORE | RS. 1 CRORE < RS.5 CRORES | |
7 days to 14 days | 3.5 | 5.5 |
15 days to 29 days | 3.5 | 5.5 |
30 days to 45 days | 5.5 | 5.5 |
46 days to 60 days | 6 | 6 |
61 days < 3 months | 6 | 6 |
3 months < 4 months | 6.25 | 6 |
4 months < 5 months | 6.25 | 6 |
5 months < 6 months | 6.25 | 6 |
6 months < 7 months | 6.5 | 6.25 |
7 months < 8 months | 6.5 | 6.25 |
8 months < 9 months | 6.5 | 6.25 |
9 months < 10 months | 6.5 | 6.25 |
10 months < 11 months | 6.5 | 6.25 |
11 months < 1 year | 6.5 | 6.25 |
1 year < 13 months | 6.75 | 6.5 |
13 months < 14 months | 6.75 | 6.5 |
14 months < 15 months | 6.75 | 6.5 |
15 months < 16 months | 6.75 | 6.5 |
16 months < 17 months | 6.75 | 6.5 |
17 months < 18 months | 6.75 | 6.5 |
18 Months < 2 years | 6.25 | 6 |
2 years < 30 months | 6.25 | 6 |
30 months < 3 years | 6.25 | 6 |
3 years < 5 years | 6.25 | 6 |
5 years to 10 years | 6.25 | 6 |
கோடாக் மகேந்திரா வங்கி
Interest Rates for Domestic / NRO / NRE Fixed Deposits effective from 18th Aug 2017 (subject to change from time to time) | ||||
---|---|---|---|---|
Regular | Senior Citizen* | |||
Maturity Periods - Premature Withdrawal Allowed | Less than Rs. 1 Crore# | Annualised Yield | Less than Rs. 1 Crore# | Annualised Yield |
7 - 14 Days | 3.50% | 3.50% | 4.00% | 4.00% |
15 - 30 Days | 4.00% | 4.00% | 4.50% | 4.50% |
31 - 45 Days | 5.00% | 5.00% | 5.50% | 5.50% |
46 - 90 Days | 5.40% | 5.40% | 5.90% | 5.90% |
91 - 120 Days | 5.60% | 5.60% | 6.10% | 6.10% |
121 - 179 days | 6.00% | 6.00% | 6.50% | 6.50% |
180 Days | 6.40% | 6.40% | 6.90% | 6.90% |
181 Days to 269 Days | 6.40% | 6.50% | 6.90% | 7.02% |
270 Days | 6.40% | 6.50% | 6.90% | 7.02% |
271 Days to 363 Days | 6.40% | 6.50% | 6.90% | 7.02% |
364 Days | 6.60% | 6.71% | 7.10% | 7.23% |
365 Days to 389 Days | 6.60% | 6.77% | 7.10% | 7.92% |
390 Days (12 months 25 days) | 6.60% | 6.77% | 7.10% | 7.92% |
391 Days - Less than 23 Months | 6.50% | 6.66% | 7.00% | 7.19% |
23 Months | 6.40% | 6.56% | 6.90% | 7.08% |
23 months 1 Day- less than 2 years | 6.40% | 6.56% | 6.90% | 7.08% |
2 years- less than 3 years | 6.40% | 6.56% | 6.90% | 7.08% |
3 years and above but less than 4 years | 6.25% | 6.40% | 6.75% | 6.92% |
4 years and above but less than 5 years | 6.25% | 6.40% | 6.75% | 6.92% |
5 years and above upto and inclusive of 10 years | 6.00% | 6.14% | 6.50% | 6.66% |
பாங்க் ஆப் பரோடா
Tenors | Below Rs. 1 Cr. (w.e.f. 01.08.17) |
---|---|
7 days to 14 days | 4.5 |
15 days to 45 days | 4.5 |
46 days to 90 days | 5.75 |
91 days to 180 days | 6.25 |
181 days to 270 days | 6.3 |
271 days & above and less than 1 year | 6.4 |
1 year | 6.6 |
Above 1 year to 400 days | 6.65 |
Above 400 days and upto 2 Years | 6.5 |
Above 2 Years and upto 3 Years | 6.5 |
Above 3 Years and upto 5 Years | 6.5 |
Above 5 Years and upto 10 Years | 6.5 |
தமிழ் குட்ரிட்டன்ஸ் செய்திகளை உடனுக்குடன் படிக்க
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