You can open a Canara Bank fixed deposit (FD) with at least ₹1,000 for a usual minimum of 15 days and a maximum of 120 months. Prepare the bank’s prescribed application, PAN (or Form 60/61 where applicable), two photographs and current KYC identity and address proof. You can apply through the bank’s official online term-deposit entry point or at a branch, but the exact online eligibility and screen sequence must be confirmed during the application.
Canara Bank’s current domestic retail interest-rate figures should be checked immediately before booking. The available official rate material does not establish a current retail table for ordinary domestic deposits, so an old rate should not be treated as live. Use the bank’s deposit-interest-rates page or confirm the quote shown at booking.
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Canara Bank FD essentials
| Feature | What Canara Bank states |
|---|---|
| Minimum standard deposit | ₹1,000 |
| Maximum standard deposit | No maximum is stated on the product page |
| Usual minimum tenure | 15 days |
| Short deposits of 7–14 days | Available only for a single deposit of ₹5 lakh or more |
| Maximum tenure | 120 months (10 years) |
| Interest-payment choices | Monthly at a discounted rate, quarterly, half-yearly or annually |
| Joint holding | Up to four depositors |
| Senior-citizen benefit | Additional 0.50% for qualifying domestic deposits below ₹3 crore with a tenure of at least 180 days; NRO, NRE and Capital Gains Deposit schemes are excluded |
These terms come from Canara Bank’s Fixed Deposit product page. The page is the appropriate place to verify any change in product rules before you submit an application.
What to decide before you apply
How much to lock away
Start with the amount you can leave untouched until maturity. The standard product has a ₹1,000 minimum and no maximum stated by the bank, but the interest category can change with the amount, depositor type and product. Keep an emergency reserve in an accessible account rather than placing every available rupee into an FD. If you need a short 7–14-day deposit, it must be a single deposit of at least ₹5 lakh; otherwise, plan for the normal 15-day minimum.
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Tenure and liquidity
Choose the maturity date around the date you expect to need the money. A longer tenure may offer a different rate, but it also increases the chance that you will need an early closure. Canara Bank says premature closure, part withdrawal or premature extension can reduce the interest outcome. For specified domestic and NRO deposits below ₹3 crore that were accepted or renewed on or after 11 June 2024, the bank lists a 1.00% penalty rule. If the deposit is closed or extended before the seventh day, no interest is paid.
Interest payout or reinvestment
Canara Bank lists four payout choices:
- Monthly: interest is paid monthly at a discounted rate, so the monthly amount is not simply the annual rate divided by 12.
- Quarterly: useful when you need periodic income but not every month.
- Half-yearly: fewer credits for a medium-term cash-flow plan.
- Annually: one credit each year, subject to the product’s terms.
Ask how the selected option affects the maturity amount. A periodic-payout deposit and a cumulative or reinvestment instruction can produce different cash flows even when the quoted rate is the same.
Domestic, NRO/NRE and senior-citizen status
Confirm the deposit category before comparing rates. The 0.50% senior-citizen addition applies to eligible domestic deposits under ₹3 crore with a tenure of at least 180 days. It does not apply to NRO, NRE or Capital Gains Deposit schemes. The rate shown for a domestic retail FD should not be assumed to apply to an NRI or another category.
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For an individual application, assemble the following:
- The bank’s prescribed fixed-deposit application form.
- Your PAN. If you do not have PAN, ask the bank whether Form 60 or Form 61 is the correct declaration for your circumstances.
- Two recent photographs of each depositor, as requested by the bank’s checklist.
- Current KYC proof of identity and address.
Carry originals to a branch if staff need to verify copies. Ensure the name, date of birth and address are consistent across the application and KYC records; mismatches can delay acceptance or require an update before the deposit is booked.
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Additional applicants and account structures
Canara Bank lists joint deposits for up to four people. All applicants should be ready to complete KYC and specify the operating or survivor instruction offered on the form. The product page also identifies deposits opened by a guardian for a minor, as well as deposits for Hindu Undivided Families (HUFs), proprietorships, partnerships, companies, associations and other institutions.
Entity applicants normally need documents in addition to the individual checklist, such as constitution or registration evidence, authorisation to open the deposit, beneficial-owner or controlling-person details and KYC for authorised signatories. The precise list depends on the entity and current bank requirements. Contact the chosen branch before visiting so that a missing resolution, partnership deed or registration document does not result in a second trip.
How to check the applicable Canara Bank FD rate
Do not rely on a rate copied from an older article or an undated screenshot. Interest rates can change by tenure, deposit-size slab, callable or non-callable status, depositor category and product. The official search material identifies Canara Bank bulk rates effective 29 May 2026 and separate NRI information, but it does not establish the current domestic retail values needed by most individual applicants.
- Open Canara Bank’s Deposit Interest Rates page from the official domain.
- Identify the table for your category: domestic retail, NRO, NRE, senior citizen or another applicable class.
- Match the exact deposit amount and tenure. Check whether the quote is for a callable or non-callable deposit and whether it is a promotional or dated rate.
- Record the effective date and the maturity or payout option attached to the quote.
- Compare the rate displayed at final booking with the rate you recorded. If they differ, ask the bank which one will govern before confirming.
If the page does not clearly show a rate for your circumstances, ask a Canara Bank branch or the authenticated online channel for a written or on-screen quote. Do not treat the 29 May 2026 bulk-rate date as a domestic retail rate.
Step-by-step: opening a Canara Bank FD
1. Select the deposit type and maturity plan
Decide whether you need a standard domestic FD, a joint or minor-held deposit, an NRI deposit, or a tax-linked product. Set the principal, tenure, interest frequency and maturity instruction before filling the form. If the money may be needed early, consider a shorter tenure rather than assuming an early-withdrawal request will preserve the quoted return.
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2. Gather and check your documents
Use the checklist above. Check that PAN or Form 60/61 information is complete, both photographs are available, and your KYC address is current. For a joint, minor or entity deposit, obtain every applicant’s or authorised person’s supporting document before starting.
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3. Obtain the live rate and calculate the cash flow
Use the official rate page or the rate displayed by the bank at booking. Confirm the principal, tenure, payout frequency, discounted monthly treatment if selected, senior-citizen eligibility and any amount slab. Ask for the expected maturity value or payout schedule so you know what will actually be credited.
4. Apply through the official online channel or a branch
Canara Bank provides an Online Term Deposit Opening entry point on its official site. Enter through that bank-controlled page, authenticate as requested and follow the deposit-opening choices displayed for your account. The available official information does not establish the complete menu sequence, required account status or universal online eligibility, so do not assume that every applicant can finish the process without branch verification.
Use a branch when the online facility is unavailable, your KYC needs updating, you are opening for an entity or minor, or the screen does not present the product you need. Take original documents for verification and ask the staff to show the applicable rate, penalty rule and maturity instruction before you sign.
5. Review the confirmation before paying
Check the receipt or on-screen summary for the depositor names, principal, tenure, value date, maturity date, interest option, applicable rate, nomination or survivor instruction and linked account for credits. Keep the deposit advice and application acknowledgement. If any detail is wrong, request correction immediately rather than waiting for maturity.
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6. Set the maturity instruction
Tell Canara Bank whether the principal and interest should be paid out or renewed. The product information indicates that, in the absence of advance instructions, general auto-renewal may apply, subject to named exceptions in the bank’s terms. If the deposit renews, the renewed deposit receives the rate in force on the maturity date, not necessarily the rate on the original booking date. Give a written instruction ahead of maturity if you want the proceeds credited instead.
Can you open the FD completely online?
The official Canara Bank site exposes an online term-deposit opening link, so an eligible existing customer may see an online application path. However, the available product information does not verify the exact screens, whether a Canara Bank savings account is mandatory, which customer types are eligible, or whether every payout and depositor combination can be completed digitally.
Use only the bank’s official domain, authenticate through the method it presents, and read the final summary before confirming. Stop and contact the bank if the page requests information that does not match your account, shows an unexpected rate, omits the maturity instruction or fails to provide a deposit acknowledgement. A branch remains the practical fallback for applicants with non-standard documents or an unavailable online option.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Premature closure, part withdrawal and extension
What the penalty rule means
Canara Bank states that premature closure, part withdrawal or premature extension can lower the interest result. For specified domestic and NRO deposits below ₹3 crore accepted or renewed from 11 June 2024, the listed penalty is 1.00%. The bank also states that closing or extending the deposit before completion of the seventh day earns no interest.
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How to reduce avoidable loss
- Use a shorter FD or split a large sum into separate deposits if you may need only part of the money.
- Keep an emergency reserve outside the FD.
- Ask whether a partial withdrawal is available and how it affects the remaining balance and rate.
- Do not assume that extending an FD before its permitted date is equivalent to normal renewal.
- Record the date and value of any instruction and retain the bank’s acknowledgement.
Canara Tax Saver Fixed Deposit: a different product
The Canara Tax Saver Fixed Deposit Scheme is not interchangeable with the flexible standard FD. Canara Bank lists these core limits:
| Rule | Tax Saver FD term |
|---|---|
| Tenure | Five years |
| Minimum deposit | ₹100, in multiples of ₹100 |
| Maximum per person | ₹1,50,000 |
| Premature closure | Not allowed, except on the depositor’s death |
Tax treatment and deduction rules depend on current law and your circumstances; verify them separately before relying on the product for a tax claim. Choose this scheme only if you can accept the five-year lock-in and its restricted withdrawal rule.
Opening-day checklist
- Confirm the deposit category and whether you qualify for any senior-citizen addition.
- Choose an amount that does not compromise your emergency cash.
- Check the live rate, effective date, tenure slab and callable status.
- Prepare the prescribed form, PAN or Form 60/61, two photographs and KYC identity and address proof.
- For joint, minor or entity deposits, confirm every additional document with Canara Bank first.
- Select monthly discounted, quarterly, half-yearly or annual interest payment, or the available reinvestment instruction.
- Read the premature-closure and part-withdrawal terms, including the 1.00% rule where it applies and the no-interest period before day seven.
- Specify payout or renewal at maturity; otherwise, check whether auto-renewal will apply.
- Save the receipt, deposit number, maturity date and rate confirmation.
Common problems and what to do
The online option is missing
Eligibility, account status or the selected deposit type may not be supported online. Do not use an unofficial link or submit incomplete information. Contact Canara Bank or visit a branch with your documents.
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Your KYC address or name is outdated
Ask the bank to update KYC before opening the FD. A mismatch between the application and bank records can delay acceptance or payment at maturity.
The quoted rate differs from an article or screenshot
Use the rate with the current effective date shown by Canara Bank. Rates are time-sensitive; ask the bank to explain any difference and keep the final quote attached to your deposit records.
You need the money before maturity
Request a calculation before closing or part-withdrawing. The applicable penalty, the actual holding period and the deposit category determine the interest outcome, and a deposit closed before seven days earns no interest under the stated rule.
You forgot to give maturity instructions
Check the bank’s terms and contact the branch promptly. If the FD has renewed, the renewed rate is the one in effect on the maturity date, so ask what options remain before making another change.
Where to verify the rules
For product limits, documents, payout choices, senior-citizen eligibility and premature-closure terms, consult Canara Bank’s Fixed Deposit page. For live rate tables, use the bank’s Deposit Interest Rates page. Canara Bank’s Deposit Policy 2025–26 provides the policy context, while the separate Tax Saver FD page covers the five-year tax-saver product.
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