The new plans — 400 days, 444 days, and 555 days FDs — aim to provide higher returns while allowing flexibility for short and medium-term investors.
With rising interest in secure savings options, these schemes are designed to help both retail and senior citizen depositors earn more during the festive period.
Let’s take a closer look at the new Yes Bank Festive FDs, their interest rates, benefits, and how investors can make the most out of these limited-period offers.
What is Yes Bank Festive FD 2025?
The Yes Bank Festive FD 2025 is a special term deposit campaign launched to celebrate the festive months in India.
It introduces three new tenures — 400 days, 444 days, and 555 days — with interest rates higher than regular FDs.
These schemes are available for both domestic and NRI customers and come with flexible payout options such as monthly, quarterly, or cumulative interest.
Yes Bank Festive FD Interest Rates 2025
Yes Bank offers competitive interest rates under this festive plan to attract short-term investors looking for safe yet rewarding options.
Below is an approximate structure of the interest rates (subject to change based on RBI guidelines and bank policies):
| FD Tenure | Interest Rate (General) | Interest Rate (Senior Citizens) |
|---|---|---|
| 400 Days | 7.25% p.a. | 7.75% p.a. |
| 444 Days | 7.50% p.a. | 8.00% p.a. |
| 555 Days | 7.75% p.a. | 8.25% p.a. |
Key Features of Yes Bank Festive FD 2025
- Special Tenures: Unique durations of 400, 444, and 555 days for flexible investing.
- Attractive Interest Rates: Higher than standard Yes Bank FD rates.
- Senior Citizen Benefits: Extra 0.50% interest for senior citizens.
- Minimum Deposit: Starting from ₹10,000 only.
- Premature Withdrawal: Allowed as per bank terms and conditions.
- Auto-Renewal Option: Convenient renewal available on maturity.
Eligibility and Application Process
The Yes Bank Festive FD 2025 is open to individuals, HUFs, NRIs, and joint account holders.
Interested customers can open their deposits easily through multiple channels:
- Online: Via Yes Bank’s mobile app or Internet banking.https://www.yesbank.in
- Offline: By visiting the nearest Yes Bank branch.
- Phone Banking: Existing customers can request FD opening through customer care support.
Why Invest in Yes Bank’s Festive FDs?
The 2025 festive FDs are an excellent opportunity for those seeking secure, short-term, and high-return investments.
Compared to traditional savings accounts, these FDs offer significantly higher yields while ensuring safety through the DICGC insurance coverage of up to ₹5 lakh per depositor.
Additionally, the festive timing allows investors to align their savings with future financial goals such as weddings, education, or tax planning before the financial year-end.
Tax Implications
Interest earned on Yes Bank Festive FDs is subject to TDS under Section 194A of the Income Tax Act.
However, investors can submit Form 15G or 15H to avoid TDS if their total income is below the taxable limit.
Tax-saving benefits are not directly available under this scheme unless invested in a separate 5-year tax-saving FD.
Things to Keep in Mind
- Interest rates are subject to change without prior notice.
- Premature withdrawal may attract a small penalty.
- Ensure to link your PAN with the FD account to avoid higher TDS.
Frequently Asked Questions (FAQs)
1. Can I invest in more than one Festive FD with different tenures?
Yes, investors can open multiple FDs of 400, 444, or 555 days simultaneously, depending on their financial goals and liquidity needs.
2. Is there any maximum limit for investment under these schemes?
There is no fixed upper limit for investment. However, deposits above ₹2 crore are generally treated as bulk deposits and may have slightly different interest rates.
3. Are NRIs eligible for these Festive FD plans?
Yes, NRIs can invest in these festive FDs through their NRE or NRO accounts, subject to RBI regulations and Yes Bank’s NRI banking policies.
Conclusion
The Yes Bank Festive FD 2025 is a timely offering for individuals looking to secure high returns with short-term flexibility.
With unique tenures of 400, 444, and 555 days, and interest rates up to 8.25% p.a., this plan strikes the right balance between safety and profitability.
Whether you’re a salaried professional or a senior citizen, these festive FDs can add cheer to your investment portfolio this season.