What is Fixed Deposit?
Fixed and term deposits are Lump-sum deposit options that offer a Guaranteed return on your investment. They are offered by both government banks and non-government financial institutions and have a fixed term, ranging from a few months to several years. FDs are considered low-risk and safe investments because they offer a guaranteed return.
When you book an FD, you can choose your investment amount and time period. Additionally, you can choose your interest payment options, whether to receive payments at a convenient time or at maturity. Term deposit interest rates vary depending on the amount and term of your investment.
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Benefits of Fixed Deposits?
Guaranteed Returns : Regardless of bank interest rates or the national economy, you will receive the fixed return agreed upon at the time of investment.
FD offer Flexible Payment Options: FD offer rapid growth with compound interest, and you also earn interest on the interest amount. This helps you easily accumulate a large corpus.
Senior Citizen Earn Higher interest rate : Senior citizens can earn substantial returns by investing their life savings in FDs, and move towards retirement without any financial compromises.
Loan Option Against Fixed Deposit: FD can be a Reliable Option in Times of Financial Emergency. You can get a Loan Within Minute From the Bank where your Fixed Deposit is held. Depending on the Bank, you can take a Loan of up to 90% to 95% of your Fixed Deposit Amount.
Flexibility in choosing the maturity Period : FD investments allow you to choose from different maturity periods, allowing you to tailor them to your investment and financial goals.
You Get the Auto-renewal Option : FD auto-renewal options allow you to continue your FD upon maturity without completing any additional bank formalities, ensuring your FD investment Continues Uninterrupted.
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Best FD Interest Rates in India: Top 10 Leading Banks Compared
In this Table below, we have included the top banks in India (both Public and Private Sector) and Provide the Latest Fixed Deposit (FD) interest rates for the General Public and sSenior Citizens.
Bank Name
FD Interest Rate p.a. (General Public)
FD Interest Rate p.a. (Senior Citizens)
State Bank of India
3.05% - 6.45%
3.55% - 7.05%
HDFC Bank
2.75% - 6.60%
3.25% - 7.10%
ICICI Bank
2.75% - 6.60%
3.25% - 7.10%
Canara Bank
3.25% - 6.50%
3.25% - 7.00%
Bank of Baroda
3.50% - 6.60%
4.00% - 7.10%
Punjab National Bank
3.50% - 7.25%
4.00% - 7.75%
Kotak Mahindra Bank
2.75% - 6.60%
3.25% - 7.10%
Indian Bank
2.80% - 6.70%
3.30% - 7.20%
Union Bank of India
3.40% - 6.60%
3.90% - 7.10%
Axis Bank
3.00% - 6.60%
3.50% - 7.35%
Note: Rates may change Anytime. Please Check the Latest rates From the Bank before Investing.
FD Rates of Top Private Sector Banks in India (2025)
Here is a List of the Best Fixed Deposit interest rates 2025 offered by Top Private Sector Banks in India on FD Deposits up to Rs 3 Crore:
Name of the Bank
FD Interest Rate p.a. (General Citizens)
FD Interest Rate p.a. (Senior Citizens)
Axis Bank
3.00% - 6.60%
3.50% - 7.35%
Bandhan Bank
2.95% - 7.70%
3.70% - 7.70%
City Union Bank
4.00% - 6.75%
4.00% - 7.00%
DCB Bank
3.75% - 7.20%
4.00% - 7.70%
Dhanlaxmi Bank
4.00% - 6.80%
4.00% - 7.30%
Federal Bank
3.00% - 6.70%
3.50% - 7.20%
HDFC Bank
2.75% - 6.60%
3.25% - 7.10%
ICICI Bank
2.75% - 6.6%
3.25% - 7.10%
IndusInd Bank
3.25% - 7.00%
3.75% - 7.50%
IDFC FIRST Bank
3.00% - 7.00%
3.50% - 7.50%
Jammu & Kashmir Bank
3.50% - 7.05%
4.00% - 7.55%
Karnataka Bank
3.50% - 6.65%
3.75% - 6.80%
Karur Vysya Bank
4.00% - 6.80%
7.20%
Kotak Mahindra Bank
2.75% - 6.60%
3.25% - 7.29%
Nainital Bank
3.25% - 7.00%
3.75% - 7.50%
RBL Bank
3.50% - 7.20%
4.00% - 7.70%
South Indian Bank
2.90% - 6.60%
3.40% - 7.10%
Tamilnad Mercantile Bank
4.00% - 6.90%
4.00% - 7.40%
YES Bank
3.25% - 7.00%
3.75% - 7.75%
IDBI Bank
3.00% - 6.55%
3.50% - 7.05%
SBI FD Interest Rates 2025
SBI (State Bank of India) is Considered one of India Largest and oldest Public Sector Bank and is today a Leader in the Banking Sector. SBI Bank offers a Wide range of banking Services. The interest rates for Fixed Deposit of less than ₹3 Crore With SBI Bank are as Follow:
| Tenors | Revised Rates for Public | Revised Rates for Senior Citizens |
|---|---|---|
| 7 days to 45 days | 3.05% | 3.55% |
| 46 days to 179 days | 4.90% | 5.40% |
| 180 days to 210 days | 5.65% | 6.15% |
| 211 days to less than 1 year | 5.90% | 6.40% |
| 1 Year to less than 2 years | 6.25% | 6.75% |
| 2 years to less than 3 years | 6.45% | 6.95% |
| 3 years to less than 5 years | 6.30% | 6.80% |
| 5 years and up to 10 years | 6.05% | 7.05*% |
HDFC FD Interest Rates 2025
Regarded as one of India Largest bank HDFC Bank offer its Customers a Variety of Fixed Deposit (FD) investment options. The table below shows HDFC’s FD interest rates for domestic customers with deposits less than ₹3 Crore:
| Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 7 – 14 days | 2.75% | 3.25% |
| 15 – 29 days | 2.75% | 3.25% |
| 30 – 45 days | 3.25% | 3.75% |
| 46 – 60 days | 4.25% | 4.75% |
| 61 – 89 days | 4.25% | 4.75% |
| 90 days ≤ 6 months | 4.25% | 4.75% |
| 6 months 1 day ≤ 9 months | 5.50% | 6.00% |
| 9 months 1 day to < 1 year | 5.75% | 6.25% |
| 1 year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.35% | 6.85% |
| 18 months to < 21 months | 6.60% | 7.10% |
| 21 months – 2 years | 6.45% | 6.95% |
| 2 Years 1 day to < 2 Years 11 Months | 6.45% | 6.95% |
| 2 Years 11 Months – 35 Months | 6.45% | 6.95% |
| 2 Years 11 Months 1 day ≤ 3 Years | 6.45% | 6.95% |
| 3 Years 1 day to < 4 Years 7 Months | 6.40% | 6.90% |
| 4 Years 7 Months – 55 Months | 6.40% | 6.90% |
| 4 Years 7 Months 1 day ≤ 5 Years | 6.40% | 6.90% |
| 5 Years 1 day – 10 Years | 6.15% | 6.65% |
ICICI FD Interest Rates 2025
ICICI Bank has become one of India Leading Private Sector Banks, offering a Wide range of Financial Products, Especially Credit Cards and Fixed Deposit Services, to its Customers. Below is a detailed table of FD interest rates for ICICI Bank Customers:
| Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 7 to 45 Days | 2.75% | 3.25% |
| 46 to 90 Days | 4.00% | 4.50% |
| 91 to 184 Days | 4.50% | 5.00% |
| 185 Days to < 1 Year | 5.50% | 6.00% |
| 1 Year to < 18 Months | 6.25% | 6.75% |
| 18 Months to 2 Years | 6.40% | 6.90% |
| 2 Years 1 Day to 10 Years | 6.60% | 7.10% |
| 5 Years (Tax Saver FD) | 6.60% | 7.10% |
PNB FD Interest Rates 2025
Punjab National Bank also Considered one of the Largest Public Sector Banks, offers a Variety of FD Schemes to its Customers, which are Becoming quite Popular among Conservative investor and Senior-Citizen Depositors. Below is a List of PNB Bank FD rates over different Period:
| Tenure | General Citizen p.a. | Senior Citizen p.a. |
|---|---|---|
| 7 to 14 Days | 3.00% | 3.50% |
| 15 to 29 Days | 3.00% | 3.50% |
| 30 to 45 Days | 3.00% | 3.50% |
| 46 to 60 Days | 4.50% | 5.00% |
| 61 to 90 Days | 4.50% | 5.00% |
| 91 to 179 Days | 4.90% | 5.40% |
| 180 to 270 Days | 5.60% | 6.10% |
| 271 Days to 302 Days | 5.60% | 6.10% |
| 303 Days | 5.50% | 6.00% |
| 304 Days to < 1 Year | 5.60% | 6.10% |
| 1 Year | 6.25% | 6.75% |
| > 1 Year to 389 Days | 6.40% | 6.90% |
| 390 Days | 6.60% | 7.10% |
| 391 Days to 505 Days | 6.40% | 6.90% |
| 506 Days | 6.30% | 6.80% |
| 507 Days to 2 Years | 6.40% | 6.90% |
| > 2 Years to 3 Years | 6.40% | 6.90% |
| > 3 Years to 1203 Days | 6.25% | 6.75% |
| 1204 Days | 6.15% | 6.65% |
| 1205 Days to 5 Years | 6.25% | 6.75% |
| > 5 Years to 1894 Days | 6.00% | 6.80% |
| 1895 Days | 5.85% | 6.65% |
| 1896 Days to 10 Years | 6.00% | 6.80% |
Axis Bank Interest Rates 2025
Axis Bank a Large Private bank, offers a Variety of Fixed Deposits Designed to Meet the Financial needs of Different Customers with attractive Interest rates. Below is a Complete List of Axis Bank FD interest rates:
| Tenure | General Citizen (p.a.) | Senior Citizen p.a. |
|---|---|---|
| 7 – 14 days | 3.00% | 3.50% |
| 15 – 29 days | 3.00% | 3.50% |
| 30 – 45 days | 3.25% | 3.75% |
| 46 – 60 days | 4.00% | 4.50% |
| 61 days – 87 days | 4.00% | 4.50% |
| 88 days – 3 months 24 days | 4.50% | 5.00% |
| 3 months 25 days < 4 months | 4.50% | 5.00% |
| 4 months < 6 months | 4.50% | 5.00% |
| 6 months < 9 months | 5.50% | 6.00% |
| 9 months < 1 year | 5.75% | 6.25% |
| 1 year – 1 year 10 days | 6.25% | 6.75% |
| 1 year 11 days < 13 months | 6.25% | 6.75% |
| 13 months < 15 months | 6.25% | 6.75% |
| 15 months < 18 months | 6.50% | 7.00% |
| 18 months < 2 years | 6.60% | 7.10% |
| 2 years < 3 years | 6.60% | 7.10% |
| 3 years < 5 years | 6.60% | 7.10% |
| 5 years to 10 years | 6.60% | 7.35% |
Best FD Interest Rates in India 2025
The Interest Rates offer by Some of the Top banks and NBFC in India for Fixed Deposits Having Tenure Between 7 days to 10 Years Are as List Below Check Now
Name
Bank / NBFC
Regular FD Rate
Senior Citizen FD Rate
Suryoday SF Bank
Bank
8.05%
8.10%
Shriram Finance
NBFC
7.35%
7.81%
Shivalik SF Bank
Bank
7.30%
7.80%
Slice SF Bank
Bank
7.50%
7.50%
Bajaj Finance Ltd.
NBFC
6.95%
7.30%
SBI Bank
Bank
6.60%
7.10%
ICICI Bank
Bank
6.60%
7.10%
Axis Bank
Bank
6.60%
7.35%
HDFC Bank
Bank
6.60%
7.85%
Bank of Baroda
Bank
6.60%
7.10%
IDFC FIRST Bank
Bank
7.00%
7.50%
Kotak Mahindra Bank
Bank
6.60%
7.10%
Canara Bank
Bank
6.50%
7.00%
Yes Bank
Bank
7.00%
7.50%
IndusInd Bank
Bank
7.00%
7.50%
Punjab National Bank
Bank
6.60%
7.10%
IDBI Bank
Bank
6.55%
7.05%
Union Bank
Bank
6.60%
7.10%
RBL Bank
Bank
7.20%
7.70%
Indian Bank
Bank
6.70%
7.20%
Fixed Deposit (FD)- Check Latest FD Interest Rates-Nov 2025
Conclusion
This Post highlights the Major Public and Private Sector bank offering Fixed Deposit returns Ranging from 2.75% to 7.25% Per Annum for individuals and 3.25% to 7.75% Per annum for Senior citizens. These Schemes offer Various Benefits, including Guaranteed return, Auto-sweeps, and Loan, Making them ideal for investor Seeking return Without risk. Currently, Some Small Finance banks and private banks offer the highest fixed deposit returns for specific periods. You should always compare fixed deposit rates when making a bank FD and Consult a Financial Expert before Making a Large investment.
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