{"id":43076,"date":"2026-09-18T09:15:00","date_gmt":"2026-09-18T03:45:00","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=43076"},"modified":"2026-09-17T23:18:34","modified_gmt":"2026-09-17T17:48:34","slug":"rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/","title":{"rendered":"RBI\u2019s New FD Rules from October 1, 2026: What Changes for Your Deposits"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#What_the_New_Rules_Actually_Change\" >What the New Rules Actually Change<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#Daily_Disclosure_of_Bulk_Deposit_Rates_by_10_AM\" >Daily Disclosure of Bulk Deposit Rates by 10 AM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#Uniform_Rates_Across_All_Branches\" >Uniform Rates Across All Branches<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#Banks_Can_Now_Offer_Different_Rates_on_Bulk_Deposits\" >Banks Can Now Offer Different Rates on Bulk Deposits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#What_This_Means_for_Retail_FD_Investors\" >What This Means for Retail FD Investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#Why_the_RBI_Made_These_Changes\" >Why the RBI Made These Changes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#What_You_Should_Do_Before_October_1\" >What You Should Do Before October 1<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">The Reserve Bank of India has revised the rules governing how banks offer and disclose interest rates on fixed deposits. The changes take effect from October 1, 2026, and apply to commercial banks, small finance banks, regional rural banks, local area banks, payment banks, and urban cooperative banks&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The headline:&nbsp;<strong>retail FD rates do not change automatically<\/strong>. What changes is how transparently banks must disclose those rates, and how they can price large deposits&nbsp;<a href=\"https:\/\/bfsi.economictimes.indiatimes.com\/articles\/rbis-new-fd-rules-from-october-1-what-changes-for-depositors-and-banks\/133086374?utm_source=newslisting&amp;utm_medium=latestNews\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.5paisa.com\/blog\/rbi-new-fd-rules\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_the_New_Rules_Actually_Change\"><\/span><strong>What the New Rules Actually Change<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Daily_Disclosure_of_Bulk_Deposit_Rates_by_10_AM\"><\/span>Daily Disclosure of Bulk Deposit Rates by 10 AM<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks must publish interest rates payable on bulk deposits on their websites by&nbsp;<strong>10:00 AM every business day<\/strong>, with a grace period until 10:10 AM&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.cnbctv18.com\/economy\/banks-to-disclose-bulk-deposit-rates-daily-as-rbi-revamps-pricing-rules-19958293.htm#1\" target=\"_blank\" rel=\"noopener\"><\/a>. A bulk deposit is a single rupee term deposit of&nbsp;<strong>\u20b93 crore and above<\/strong>&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbis-new-fd-rules-from-october-5-changes-small-finance-bank-depositors-must-know\/amp-11785817700917.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retail deposit rates (below \u20b93 crore) must be disclosed in advance, though no specific daily timing has been mandated for them&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Uniform_Rates_Across_All_Branches\"><\/span><strong>Uniform Rates Across All Branches<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the change that matters most for ordinary depositors. Banks cannot offer different interest rates for deposits of the same amount accepted on the same date at different branches&nbsp;<a href=\"https:\/\/bfsi.economictimes.indiatimes.com\/articles\/rbi-revises-deposit-rules-to-enhance-transparency-uniformity-new-norms-effective-october-1\/132817860?utm_source=tagListing&amp;utm_medium=tagListing\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The RBI\u2019s notification states: \u201cThere shall be no discrimination in the matter of interest paid on the deposits, between one deposit and another deposit of similar amount, accepted on the same date, at any of its offices\u201d&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.business-standard.com\/industry\/banking\/rbi-allows-banks-to-link-bulk-deposit-rates-to-liquidity-profile-under-lcr-126073001521_1.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, if two customers open identical FDs at different branches of the same bank on the same day, they must receive the same rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banks_Can_Now_Offer_Different_Rates_on_Bulk_Deposits\"><\/span><strong>Banks Can Now Offer Different Rates on Bulk Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is where the flexibility sits. Banks can offer differential interest rates on bulk deposits based on the&nbsp;<strong>Liquidity Coverage Ratio (LCR) run-off rates<\/strong>&nbsp;applicable to those deposits&nbsp;<a href=\"https:\/\/www.cnbctv18.com\/economy\/banks-to-disclose-bulk-deposit-rates-daily-as-rbi-revamps-pricing-rules-19958293.htm#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.business-standard.com\/industry\/banking\/rbi-allows-banks-to-link-bulk-deposit-rates-to-liquidity-profile-under-lcr-126073001521_1.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The LCR framework classifies deposits by how likely they are to be withdrawn during financial stress. Retail deposits are considered more stable and attract lower run-off rates. Large corporate deposits are seen as more volatile, requiring banks to hold more liquid assets against them. Under the new rules, banks can price this liquidity cost into the interest rate they offer on bulk deposits&nbsp;<a href=\"https:\/\/www.cnbctv18.com\/economy\/banks-to-disclose-bulk-deposit-rates-daily-as-rbi-revamps-pricing-rules-19958293.htm#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/bfsi.economictimes.indiatimes.com\/articles\/rbis-game-changing-decision-how-bulk-deposit-pricing-will-impact-banks\/132816823\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same flexibility extends to rupee deposits from non-residents&nbsp;<a href=\"https:\/\/www.business-standard.com\/industry\/banking\/rbi-allows-banks-to-link-bulk-deposit-rates-to-liquidity-profile-under-lcr-126073001521_1.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_This_Means_for_Retail_FD_Investors\"><\/span><strong>What This Means for Retail FD Investors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your deposit is below \u20b93 crore, the direct impact is limited.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The rate you earn does not change because of these rules. Banks will continue to set FD rates based on liquidity conditions, funding requirements, and market dynamics&nbsp;<a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.ujjivansfb.bank.in\/banking-blogs\/personal-finance\/rbi-new-deposit-interest-rules-2026-fd-rates\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What does change is transparency. The rate offered at the branch must match the rate published on the bank\u2019s website. No more negotiating a better rate at one branch than another for the same deposit&nbsp;<a href=\"https:\/\/www.5paisa.com\/blog\/rbi-new-fd-rules\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For anyone comparing FDs across banks, the disclosure requirements make it easier to see what each bank is offering before committing funds&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_the_RBI_Made_These_Changes\"><\/span><strong>Why the RBI Made These Changes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The revised framework follows a draft proposal issued in June 2026. The trigger, according to multiple reports, was the HDFC Bank episode where the lender allegedly paid the Maharashtra State Road Development Corporation around \u20b945 crore as \u201cmarketing spend\u201d to secure bulk deposits&nbsp;<a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-fixed-deposit-rules-changes-could-allow-differential-for-bulk-deposits-impact-fd-interest-rates-customers-explainer\/amp-11785664898258.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-fixed-deposit-rules-changes-could-allow-differential-for-bulk-deposits-impact-fd-interest-rates-customers-explainer-11785664898258.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That arrangement suggested a large depositor received a better effective rate than what was published. The RBI\u2019s new rules close that gap by requiring bulk deposit rates to be disclosed daily and applied uniformly&nbsp;<a href=\"https:\/\/www.5paisa.com\/blog\/rbi-new-fd-rules\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_You_Should_Do_Before_October_1\"><\/span><strong>What You Should Do Before October 1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are planning to open or renew an FD, check the bank\u2019s published rate schedule on its website rather than relying on a branch-level quote. From October 1, the two must match.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For deposits close to or above the \u20b93 crore threshold, it is worth checking whether the bank classifies it as a bulk deposit and what LCR-linked rate applies&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Existing FDs are not affected. The rate locked in at the time of booking remains unchanged for the tenure of the deposit&nbsp;<a href=\"https:\/\/www.5paisa.com\/blog\/rbi-new-fd-rules\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.ujjivansfb.bank.in\/banking-blogs\/personal-finance\/rbi-new-deposit-interest-rules-2026-fd-rates\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Will FD interest rates go up or down from October 1, 2026?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neither. The RBI has not mandated any change in the level of FD rates. Banks will continue to set rates based on their own funding needs and market conditions. The new rules change how rates are disclosed and how bulk deposits can be priced, not what the rates themselves are&nbsp;<a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.ujjivansfb.bank.in\/banking-blogs\/personal-finance\/rbi-new-deposit-interest-rules-2026-fd-rates\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. What qualifies as a bulk deposit?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A single rupee term deposit of \u20b93 crore and above, for scheduled commercial banks and small finance banks&nbsp;<a href=\"https:\/\/www.financialexpress.com\/money\/rbis-new-bulk-fixed-deposit-rules-what-changes-for-depositors-from-october-2026-4322561\/#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbis-new-fd-rules-from-october-5-changes-small-finance-bank-depositors-must-know\/amp-11785817700917.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Can I still get a different rate at a different branch?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No. From October 1, banks must offer uniform rates across all branches for deposits of the same amount accepted on the same day. The rate published on the website is the rate you get&nbsp;<a href=\"https:\/\/bfsi.economictimes.indiatimes.com\/articles\/rbi-revises-deposit-rules-to-enhance-transparency-uniformity-new-norms-effective-october-1\/132817860?utm_source=tagListing&amp;utm_medium=tagListing\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Do these rules apply to small finance banks?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. The revised directions cover commercial banks, small finance banks, regional rural banks, local area banks, payment banks, and urban cooperative banks&nbsp;<a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbi-revises-deposit-interest-rate-rules-what-fixed-deposit-investors-should-know-before-investing-from-october-1-11785637108887.html#1\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.livemint.com\/money\/personal-finance\/rbis-new-fd-rules-from-october-5-changes-small-finance-bank-depositors-must-know\/amp-11785817700917.html#1\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. What happens to my existing FD?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nothing changes. The contracted rate on an existing deposit remains valid until maturity. The new rules apply to deposits opened or renewed on or after October 1, 2026&nbsp;<a href=\"https:\/\/www.5paisa.com\/blog\/rbi-new-fd-rules\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.ujjivansfb.bank.in\/banking-blogs\/personal-finance\/rbi-new-deposit-interest-rules-2026-fd-rates\" target=\"_blank\" rel=\"noopener\"><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India has revised the rules governing how banks offer and disclose interest rates on fixed deposits. The changes take effect from October 1, 2026, and apply to commercial banks, small finance banks, regional rural banks, local area banks, payment banks, and urban cooperative banks&nbsp;. The headline:&nbsp;retail FD rates do not change [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/rbis-new-fd-rules-from-october-1-2026-what-changes-for-your-deposits\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":43077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[543],"tags":[],"class_list":["post-43076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"The Reserve Bank of India has revised the rules governing how banks offer and disclose interest rates on fixed deposits. The changes take effect from October 1, 2026, and apply to commercial banks, small finance banks, regional rural banks, local area banks, payment banks, and urban cooperative banks . 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