Yes Bank FD Calculator

Yes Bank Fixed Deposits Explained

Yes Bank offers retail term deposits from 7 days to 10 years through the YES Mobile app, net banking or a branch. Founded in 2004, the bank was placed under an RBI-directed reconstruction scheme in March 2020 and recapitalised by a consortium led by State Bank of India. Depositor funds were protected throughout, and deposits carry the same DICGC cover of ₹5 lakh per depositor per bank that applies at any scheduled commercial bank.

Yes Bank FD Schemes You Can Open

The deposit range divides by interest treatment and eligibility:

• •Cumulative deposit — Interest compounds quarterly and is paid with the principal at maturity — what the calculator above models.
• •Non-cumulative deposit — Interest is credited monthly or quarterly rather than reinvested, for depositors who need regular income.
• •Tax-saving deposit (5-year) — Qualifies under Section 80C within the ₹1,50,000 annual ceiling, locked for the full term.
• •Senior citizen variant — Carries the rate increment extended to resident depositors aged 60 and above.

Yes Bank FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check Yes Bank FD Interest Rates

Yes Bank FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

Yes Bank publishes its domestic deposit card on yesbank.in and inside YES Mobile, quoted per tenure bucket with a separate senior citizen column. Yes Bank fixed deposit interest rates are quoted separately for resident, senior citizen and NRE deposits, so read across to the column that applies to you.

Take the current Yes Bank fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to a Yes Bank FD

• •The March 2020 RBI reconstruction scheme, backed by an SBI-led consortium, left depositor funds intact and the bank operating normally.
• •DICGC cover of ₹5 lakh per depositor per bank applies exactly as at any other scheduled commercial bank.
• •Rebuilding the retail deposit book after 2020 has kept Yes Bank's pricing keener than the largest private lenders.
• •Senior citizens receive the standard increment across eligible tenures.
• •An overdraft against the deposit is available rather than breaking it for a short cash need.

Enter the rate Yes Bank quotes for your chosen tenure above to see the exact maturity value and the year-by-year interest accrual.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.