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Citi Bank Fixed Deposit Rates 2025

Updated on October 6, 2025 , 11453 views

The Fixed Deposit product offered by Citi Bank is an investment account where money is deposited for a fixed tenure and the interest rate does not fluctuate.

Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.

Citi Bank FD Rates

With Citi Bank customers can avail an overdraft line up to 90 percent of the deposit value. One can deposit just INR 1,000 for a tenor as low as seven days.

Citi Bank FD Interest Rates 2025

Here's the Citibank fixed deposit interest rates for deposits below INR 2 crore.

Interest rates effective from December 07, 2022.

Tenure Regular FD Rate (p.a.)
7-10 Days 2.10%
11-14 Days 2.10%
15-25 Days 2.15%
26-35 Days 2.15%
36-45 Days 3.50%
46-60 Days 3.50%
61-90 Days 3.50%
91-120 Days 3.50%
121-150 Days 3.50%
151-180 Days 3.50%
181-270 Days 7.25%
271-364 Days 7.25%
365-400 Days 7.25%
401-540 Days 3.50%
541-731 Days 3.50%
732 - 1095 Days 3.50%
>=1096 Days 3.50%

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Citi Bank Senior Citizens Deposits Interest Rates 2025

Senior Citizen FD Interest Rates for deposits below INR 2 crore.

Interest rates effective from December 07, 2022.

Tenure Senior Citizen FD Rate (p.a.)
7-10 Days 2.60%
11-14 Days 2.60%
15-25 Days 2.65%
26-35 Days 2.65%
36-45 Days 4.00%
46-60 Days 4.00%
61-90 Days 4.00%
91-120 Days 4.00%
121-150 Days 4.00%
151-180 Days 4.00%
181-270 Days 7.75%
271-364 Days 7.75%
365-400 Days 7.75%
401-540 Days 4.00%
541-731 Days 4.00%
732 - 1095 Days 4.00%
>=1096 Days 4.00%

Documents Required to Open FD Account in Citi Bank

1. Identity Proof

2. Address Proof

  • Telephone Bill
  • Electricity Bill
  • Bank statement with Cheque

Are you Looking for Alternative to Banks Savings Account in Mutual Funds?

Investors who are thinking of parking their money for the short term, you can also consider liquid Mutual Funds. Liquid Funds are an ideal alternative to FDs as they invest in low-risk debt and money market securities.

Here are some features of liquid funds you should know:

  • These funds come with no lock-in period
  • The money is invested in money Market instruments like a certificate of deposits, commercial papers, treasury bills, and term deposits
  • You can exit from the scheme anytime you want. Also, the funds have no entry load and exit loads
  • The Underlying assets have low maturity period and provide you low-interest rates
  • Most times, you may also get returns higher than bank Savings Account

Best Liquid Funds to Invest 2025

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Indiabulls Liquid Fund Growth ₹2,564.71
↑ 0.31
₹3030.51.436.86.95.57.4
PGIM India Insta Cash Fund Growth ₹345.285
↑ 0.04
₹5270.51.436.875.67.3
JM Liquid Fund Growth ₹72.3454
↑ 0.01
₹2,6950.51.436.76.95.67.2
Axis Liquid Fund Growth ₹2,953.18
↑ 0.40
₹37,1220.51.436.875.77.4
Tata Liquid Fund Growth ₹4,177.08
↑ 0.58
₹20,4040.51.436.875.67.3
Invesco India Liquid Fund Growth ₹3,645.23
↑ 0.51
₹14,5430.51.436.875.77.4
Aditya Birla Sun Life Liquid Fund Growth ₹427.357
↑ 0.06
₹49,7210.51.436.875.77.3
Nippon India Liquid Fund  Growth ₹6,472.15
↑ 0.86
₹30,9650.51.436.875.67.3
ICICI Prudential Liquid Fund Growth ₹392.582
↑ 0.05
₹52,3400.51.436.775.67.4
Baroda Pioneer Liquid Fund Growth ₹3,048.54
↑ 0.43
₹10,1500.51.436.775.67.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryIndiabulls Liquid Fund PGIM India Insta Cash FundJM Liquid FundAxis Liquid FundTata Liquid FundInvesco India Liquid FundAditya Birla Sun Life Liquid FundNippon India Liquid Fund ICICI Prudential Liquid FundBaroda Pioneer Liquid Fund
Point 1Bottom quartile AUM (₹303 Cr).Bottom quartile AUM (₹527 Cr).Bottom quartile AUM (₹2,695 Cr).Upper mid AUM (₹37,122 Cr).Upper mid AUM (₹20,404 Cr).Lower mid AUM (₹14,543 Cr).Top quartile AUM (₹49,721 Cr).Upper mid AUM (₹30,965 Cr).Highest AUM (₹52,340 Cr).Lower mid AUM (₹10,150 Cr).
Point 2Established history (13+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (16+ yrs).Established history (21+ yrs).Established history (18+ yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.81% (top quartile).1Y return: 6.80% (upper mid).1Y return: 6.67% (bottom quartile).1Y return: 6.82% (top quartile).1Y return: 6.79% (upper mid).1Y return: 6.78% (upper mid).1Y return: 6.78% (lower mid).1Y return: 6.75% (lower mid).1Y return: 6.75% (bottom quartile).1Y return: 6.69% (bottom quartile).
Point 61M return: 0.47% (bottom quartile).1M return: 0.49% (top quartile).1M return: 0.47% (bottom quartile).1M return: 0.49% (upper mid).1M return: 0.48% (upper mid).1M return: 0.48% (upper mid).1M return: 0.49% (top quartile).1M return: 0.48% (lower mid).1M return: 0.48% (lower mid).1M return: 0.48% (bottom quartile).
Point 7Sharpe: 3.54 (upper mid).Sharpe: 3.57 (top quartile).Sharpe: 2.95 (bottom quartile).Sharpe: 3.41 (lower mid).Sharpe: 3.56 (upper mid).Sharpe: 3.79 (top quartile).Sharpe: 3.41 (upper mid).Sharpe: 3.30 (bottom quartile).Sharpe: 3.34 (lower mid).Sharpe: 3.07 (bottom quartile).
Point 8Information ratio: -1.18 (bottom quartile).Information ratio: -0.64 (lower mid).Information ratio: -2.17 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: -0.74 (lower mid).Information ratio: -1.18 (bottom quartile).
Point 9Yield to maturity (debt): 5.88% (upper mid).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.83% (bottom quartile).Yield to maturity (debt): 5.90% (upper mid).Yield to maturity (debt): 5.94% (top quartile).Yield to maturity (debt): 5.84% (bottom quartile).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.89% (upper mid).Yield to maturity (debt): 5.87% (lower mid).Yield to maturity (debt): 5.88% (lower mid).
Point 10Modified duration: 0.09 yrs (upper mid).Modified duration: 0.06 yrs (top quartile).Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.81% (top quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.54 (upper mid).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (upper mid).
  • Modified duration: 0.09 yrs (upper mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹527 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 6.80% (upper mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 3.57 (top quartile).
  • Information ratio: -0.64 (lower mid).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.06 yrs (top quartile).

JM Liquid Fund

  • Bottom quartile AUM (₹2,695 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.67% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.95 (bottom quartile).
  • Information ratio: -2.17 (bottom quartile).
  • Yield to maturity (debt): 5.83% (bottom quartile).
  • Modified duration: 0.10 yrs (upper mid).

Axis Liquid Fund

  • Upper mid AUM (₹37,122 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.82% (top quartile).
  • 1M return: 0.49% (upper mid).
  • Sharpe: 3.41 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.90% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Tata Liquid Fund

  • Upper mid AUM (₹20,404 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.79% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.94% (top quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Invesco India Liquid Fund

  • Lower mid AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.78% (upper mid).
  • 1M return: 0.48% (upper mid).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Top quartile AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.78% (lower mid).
  • 1M return: 0.49% (top quartile).
  • Sharpe: 3.41 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (upper mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.75% (lower mid).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 3.30 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

  • Highest AUM (₹52,340 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.75% (bottom quartile).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 3.34 (lower mid).
  • Information ratio: -0.74 (lower mid).
  • Yield to maturity (debt): 5.87% (lower mid).
  • Modified duration: 0.09 yrs (top quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹10,150 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.69% (bottom quartile).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: -1.18 (bottom quartile).
  • Yield to maturity (debt): 5.88% (lower mid).
  • Modified duration: 0.11 yrs (lower mid).

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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