Last Updated:
Suryoday Small Finance Bank offers the highest FD rate at 8.20 percent, while SBI, ICICI Bank, HDFC Bank, PNB, and AU Small Finance Bank range from 6.60 to 7.10 percent.
Fixed Deposit Interest Rates of Different Banks
FD Rates Comparison: The Reserve Bank of India (RBI) has kept the repo rate unchanged at 5.5 per cent in the October MPC meet. This means that FD interest rates won’t be tweaked north or south much, leading to the status quo for customers.
Fixed Deposit is a safe instrument that allows investors to deposit their money in banks and earn a fixed return until the maturity of the deposit. Several banks offer different interest rates on the deposits depending on the maturity period.
FD interest rates generally range between 3% and 8%, depending on the tenure of the deposit. Senior citizens often benefit from an extra 0.5% interest rate, making FDs even more appealing for retirement savings.
Before investing, it’s essential to compare interest rates across different banks to maximise your returns. In this article, we’ll review the FD interest rates offered by four leading banks, helping you make a well-informed choice.
Fixed Deposit Rates Comparison In India
SBI FD Interest Rates: If you invest in Fixed Deposits (FDs) with the State Bank of India, you can expect interest rates between 3.00% and 6.60%. Senior citizens receive an extra 0.50%. The bank offers a 6.25% interest rate for FDs maturing in one year.
PNB FD Interest Rates 2025: Punjab National Bank offers fixed deposit interest rates ranging from 3.00% to 6.60%. For one-year fixed deposits, regular investors earn 6.25%, while senior citizens enjoy a higher rate of 6.75%.
ICICI Bank FD Interest Rates 2025: ICICI Bank offers interest rates between 3% and 6.60% on its fixed deposit schemes. Senior citizens receive an additional 0.5%. For one-year fixed deposits, general customers are offered an interest rate of 6.25%. Senior citizens get 6.75% interest for the same period.
HDFC Bank FD Rates 2025: HDFC Bank offers competitive interest rates for one-year fixed deposits, with regular investors earning 6.60% and senior citizens getting a higher rate of 7.10%. The bank provides interest rates ranging from 3% to 7% for customers, depending on the maturity period.
Au Small Finance Bank 2025: AU Small Finance Bank offers competitive interest up to 7.10%.
| Bank | Highest FD Rate (% p.a.) | 1-Year FD (% p.a.) | 3-Year FD (% p.a.) | 5-Year FD (% p.a.) | Senior Citizens Extra (%) |
|---|---|---|---|---|---|
| SBI (State Bank of India) | 6.60 | 6.25 | 6.30 | 6.05 | 0.50 |
| ICICI Bank | 6.60 | 6.25 | 6.60 | 6.60 | 0.50 |
| HDFC Bank | 6.60 | 6.25 | 6.45 | 6.40 | 0.50 |
| PNB (Punjab National Bank) | 6.60 | 6.25 | 6.40 | 6.25 | 0.50 |
| Axis Bank | 6.60 | 6.25 | 6.60 | 6.60 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Suryoday Small Finance Bank | 8.20 | 7.40 | 7.25 | 8.20 | 0.20 |
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More
October 01, 2025, 15:18 IST
Read More
