ANUNAYNAMA / MONEY EXPLAINED
Can you negotiate a special FD rate?
Hindi audio and Hindi subtitles · AI-assisted narration and visuals
The explanation
Understand published deposit rates and the uniform-rate rules for deposits on the same basis. Permitted categories and regulatory distinctions for bulk deposits can differ; this is not permission for individual rate negotiation. Read the bank’s current rate sheet and the eligibility and conditions of any offer. The RBI deposit amendment discussed here took effect on 1 October 2026.
Educational examples only. Check the rules currently applicable to your bank and product before acting.
Sources & further reading
- RBI Commercial Banks Interest Rate on Deposits Directions 2025, updated 1 October 2026
- RBI deposit directions amendment dated 30 July 2026, effective 1 October 2026
Source review: 2 November 2026. Rules and product terms can change.
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