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Stable Money FD Interest Rates 2026
Stable Money fixed deposit interest rates in 2026 range from 3.50% to 8.10% for general citizens and 4.00% to 8.50% for senior citizens, across various partner banks and non-banking financial companies (NBFCs). Investments on the platform start with a minimum amount of ₹1,000.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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Fixed Deposits
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Mahindra Finance FD Rates
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Mahindra Finance FD Premature Withdrawal
- Stable Money FD Interest Rates
What is a Stable Money Fixed Deposit?
When you open a Fixed Deposit (FD), you agree to lock away a lump sum of money for a specific tenure. When you invest in an FD, you earn interest at a predetermined FD interest rate offered by the bank or financial institution.
A Stable Money Fixed Deposit is an investment option available on the Stable Money platform, where you can compare and book FDs from multiple partner banks and NBFCs in one place. These deposits offer assured FD interest rates of up to 8.10% for general citizens and up to 8.50% for eligible senior citizens, depending on the issuer and tenure. The platform enables you to choose flexible tenures, select payout preferences, and invest digitally without visiting branches, making it a convenient way to earn stable and predictable returns.
Stable Money FD Interest Rates
Here are the latest FD interest rates across Stable Money’s partner banks and NBFCs:
Stable Money FD Interest Rates: Suryoday Small Finance Bank
| Tenure | Regular Citizen Rate (p.a.) | Senior Citizen Rate (p.a.) |
| 2 Years 6 Months (Highest) | 8.10% | 8.25% |
| 5 Years | 7.90% | 8.05% |
| 1 Year 6 Months | 7.60% | 7.75% |
| 1 Year | 7.25% | 7.40% |
| 10 Years | 7.25% | 7.40% |
| 6 Months 1 Day | 6.50% | 6.65% |
| 21 Days | 4.25% | 4.40% |
| 7 Days | 4.00% | 4.15% |
*Stable Money Suryoday Small Finance Bank interest rates as of July 2026
Stable Money FD Rates: Unity Small Finance Bank
| Tenure | Regular Citizens | Senior Citizens |
| 1 Year 4 Months 15 Days (Highest) | 8.00% | 8.50% |
| 1 Year | 7.50% | 8.00% |
| 1 Year 6 Months 1 Day | 6.75% | 7.25% |
| 701 Days | 6.75% | 7.25% |
| 3 Years 1 Day | 6.75% | 7.25% |
| 5 Years | 6.75% | 7.25% |
| 6 Months 19 Days | 6.25% | 6.75% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Bajaj Finance
| Tenure | Regular Citizens | Senior Citizens |
| 3 Years (Highest) | 7.40% | 7.75% |
| 3 Years 6 Months (Highest) | 7.40% | 7.75% |
| 5 Years (Highest) | 7.40% | 7.75% |
| 1 Year 6 Months | 6.85% | 7.20% |
| 2 Years | 6.85% | 7.20% |
| 1 Year 3 Months | 6.60% | 6.95% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Rates: Shriram Finance
| Tenure | Regular Citizens | Senior Citizens |
| 3 Years (Highest) | 7.50% | 8.00% |
| 5 Years (Highest) | 7.50% | 8.00% |
| 2 Years | 7.10% | 7.60% |
| 1 Year | 6.85% | 7.35% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Slice Small Finance Bank
| Tenure | Regular Citizens | Senior Citizens |
| 1 Year 6 Months 1 Day (Highest) | 7.75% | 7.75% |
| 2 Years 4 Months | 7.50% | 7.50% |
| 3 Years | 7.50% | 7.50% |
| 4 Years 11 Months | 7.00% | 7.25% |
| 6 Months 1 Day | 6.25% | 6.50% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Mahindra Finance
| Tenure | Regular Citizens | Senior Citizens |
| 4 Years (Highest) | 7.45% | 7.80% |
| 5 Years (Highest) | 7.45% | 7.80% |
| 3 Years | 7.40% | 7.75% |
| 2 Years | 6.85% | 7.20% |
| 1 Year | 6.60% | 6.85% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Utkarsh Small Finance Bank
| Tenure | Regular Citizens | Senior Citizens |
| 1 Year 10 Months (Highest) | 8.10% | 8.25% |
| 2 Years | 7.50% | 8.00% |
| 3 Years | 7.50% | 8.00% |
| 4 Years | 7.25% | 7.75% |
| 5 Years | 7.00% | 7.50% |
| 1 Year | 6.00% | 6.50% |
| 21 Days | 4.00% | 4.50% |
| 7 Days | 4.00% | 4.50% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Ujjivan Small Finance Bank
| Tenure | Regular Citizens | Senior Citizens |
| 2 Years (Highest) | 7.80% | 8.30% |
| 3 Years 6 Months | 7.55% | 8.05% |
| 5 Years 1 Day | 7.30% | 7.80% |
| 1 Year 11 Months | 7.25% | 7.75% |
| 3 Years | 7.25% | 7.75% |
| 5 Years | 7.20% | 7.70% |
| 10 Years | 6.50% | 7.00% |
| 5 Months 28 Days | 6.00% | 6.50% |
| 11 Months | 5.50% | 6.00% |
| 5 Months 27 Days | 4.65% | 5.15% |
| 2 Months 28 Days | 4.15% | 4.65% |
| 29 Days | 3.50% | 4.00% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: Shivalik Small Finance Bank
| Tenure | Regular Citizens | Senior Citizens |
| 2 Years (Highest) | 8.00% | 8.50% |
| 2 Years 3 Months (Highest) | 8.00% | 8.50% |
| 1 Year 6 Months | 7.50% | 8.00% |
| 3 Years | 7.50% | 8.00% |
| 1 Year 1 Month | 6.75% | 7.25% |
| 5 Years | 6.25% | 6.75% |
| 6 Months | 6.00% | 6.50% |
| 3 Months 1 Day | 4.75% | 5.25% |
| 30 Days | 4.25% | 4.75% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: IndusInd Bank
| Tenure | Regular Citizens | Senior Citizens |
| 2 Years (Highest) | 7.00% | 7.75% |
| 3 Years (Highest) | 7.00% | 7.75% |
| 1 Year 6 Months 7 Days | 6.90% | 7.40% |
| 1 Year 4 Months | 6.65% | 7.15% |
| 5 Years | 6.65% | 7.15% |
| 6 Months | 6.00% | 6.50% |
| 46 Days | 4.50% | 5.00% |
*Stable Money FD interest rates as of July 2026
Stable Money FD Interest Rates: South Indian Bank
| Tenure | Regular Citizens | Senior Citizens |
| 2 Years 6 Months (Highest) | 6.80% | 7.30% |
| 1 Year 6 Months | 6.60% | 7.10% |
| 1 Year | 6.25% | 6.75% |
| 4 Years 11 Months 29 Days | 6.20% | 6.70% |
*Stable Money FD interest rates as of July 2026
Key Features of Stable Money Fixed Deposits
Some of the major benefits you can get while investing through Stable Money are:
- Assured Returns: Earn fixed interest rates that remain stable throughout the deposit tenure, giving predictable growth on your investment.
- Digital Banking: Open FDs online through the Stable Money platform without visiting a branch or completing physical paperwork.
- Secure Deposits: Bank FDs are insured up to ₹5 lakh per depositor per insured bank under the DICGC. While many NBFC fixed deposits are rated by recognised credit rating agencies, helping investors assess their credit risk.
- Easy Comparison: Compare FD rates, tenures, payout options, and safety ratings from multiple banks and NBFCs in one place before investing.
- FD without a Savings Account: Certain issuers, such as Unity Small Finance Bank, allow FDs to be booked without opening a savings account, making the process quick and simple.
- Flexible Withdrawal: If you invest in a Bajaj Finance FD through Stable Money, withdrawal is permitted after a three-month lock-in period, subject to the issuer's premature withdrawal terms and any applicable interest adjustment.
- Early Access to Funds: With Slice Small Finance Bank, funds can be withdrawn after 7 days, providing convenient liquidity.
How to Open a Stable Money Fixed Deposit?
You can open a Fixed Deposit through the Stable Money mobile app or the Stable Money website. The process is completely digital and includes identity verification through Video KYC.
- Register or Sign In: Download the Stable Money app or visit the website and sign in using your mobile number.
- Compare Fixed Deposits: Browse FD options from partner banks and NBFCs. Compare interest rates, tenure, payout options, and other features.
- Choose an FD: Select the bank, deposit amount, tenure, and interest payout option that matches your requirements.
- Complete KYC: Enter your PAN and Aadhaar details and complete the mandatory Video KYC, if applicable.
- Add Nominee: Provide nominee details and review your application.
- Link Your Bank Account: Add the bank account where your maturity amount and interest will be credited.
- Make the Payment: Pay the deposit amount through UPI or net banking to complete the FD booking.
- Receive Confirmation: Once the partner bank verifies your details, your FD receipt will be available in the Stable Money app and sent to your registered email.
Tax on Stable Money FD Interest
Tax Deducted at Source (TDS) on fixed deposit interest according to the Income-tax Act, 2025. For resident individuals, TDS is generally deducted at 10% (if PAN is available) when the aggregate interest paid by a bank or NBFC exceeds ₹50,000 in a financial year for regular depositors and ₹1,00,000 for senior citizens. These limits apply only to TDS deduction. The entire FD interest remains taxable according to the applicable income tax slab, even if TDS is not deducted. Eligible resident taxpayers with nil estimated tax liability may submit Form 121 (earlier Form 15G or 15H) to the bank or NBFC to request non-deduction of TDS.
Key Takeaways
Stable Money lets you compare Fixed Deposits from partner banks and NBFCs in one place. FD interest rates range from 3.50% to 8.10% p.a. for regular citizens, while senior citizens FD interest rates range from 4.00% to 8.50% p.a. You can invest online from ₹1,000, complete Video KYC, and choose flexible tenures and payout options.
FAQs
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1. How can I calculate FD returns?
You can calculate FD returns using simple interest or compound interest formulas. Simple interest is calculated as (P × R × T) / 100, while compound interest follows the formula A = P (1 + r/n)^(n × t). For convenience and accuracy, most investors prefer using an online FD calculator. -
2. Can I invest in a fixed deposit for less than one year?
Yes. Banks offer short-term fixed deposits with tenures as short as 7 days, depending on the bank's policy. -
3. Which small finance bank currently offers the highest FD interest rate on Stable Money?
Based on the above-mentioned rates, Suryoday Small Finance Bank and Utkarsh Small Finance Bank are offering up to 8.10% p.a. to normal residents for certain tenures and Unity Small Finance Bank and Shivalik Small Finance Bank are offering up to 8.50% p.a. to senior citizens. -
4. Which bank offers the highest FD interest rate overall?
Based on the current rates, Suryoday Small Finance Bank and Utkarsh Small Finance Bank offer up to 8.10% p.a. for general citizens on selected tenures, while Unity Small Finance Bank and Shivalik Small Finance Bank offer up to 8.50% p.a. for senior citizens on selected tenures. The highest rate depends on the tenure and the issuing institution. -
5. Do senior citizens generally receive higher FD interest rates?
Most of the banks and NBFCs give an additional rate of interest to older persons at between 0.25% to 0.75% p.a. But in some tenures, some institutions may offer the same rate as that offered to normal depositors.
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10 Feb 2026
Fixed deposit (FD) interest rates in India currently range from
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ