The latest FD interest rates in India range from 2.75% to 7.25% p.a. for general citizens and 3.25% to 7.75% p.a. for senior citizens. Public sector banks offer 2.75% to 7.25% p.a. for general citizens and 3.00% to 7.75% for senior citizens. Private sector banks provide 2.75% to 7.20% p.a. for general citizens and 3.25% to 7.75% for senior citizens.
6.9%*
Guaranteed Plan
(by insurance companies)
(10 Years)
6.5%##
Fixed Deposits
(by SBI bank)
(5-10 Years)
6.9%***
Public Provident Fund
(other popular options)
(15 Years)
FD is a safe savings plan that guarantees returns at a fixed rate of interest. These are provided by different institutions such as the public and private banks, Non-Banking Finance Companies (NBFCs), Small Finance Banks (SFBs), and Post Offices.
In an FD, you deposit a lump sum amount for a fixed tenure at a predetermined interest rate. The interest rate is fixed at the time of investment and remains unchanged throughout the deposit period. FD rates vary by deposit amount, tenure, and depositor type (general citizens and senior citizens). You can get better returns with higher FD interest rates on your deposits compared to regular savings accounts.
Below are the latest FD interest rates offered by leading banks in India (public and private sectors) for the general public and senior 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% |
*Revised FD interest rates as of August 2025
#Top 10 Banks in India by business revenue as of August 2025
Here is a list of the best fixed deposit interest rates in India offered by Public Sector Banks for deposits of up to Rs 3 crores:
Name of Bank FD | FD Interest Rate p.a. (General Public) | FD Interest Rate p.a. (Senior Citizens) |
Bank of Baroda | 3.50% - 6.50% | 4.00% - 7.10% |
Bank of India | 3.00% - 6.45% | 3.00% - 7.10% |
Bank of Maharashtra | 2.75% - 6.25% | 3.25%- 6.75% |
Canara Bank | 3.25% - 6.50% | 3.25% - 7.00% |
Central Bank of India | 3.50% - 6.70% | 3.50% - 6.87% |
Indian Bank | 2.80% - 6.70% | 3.30% - 7.20% |
Indian Overseas Bank | 3.50% - 6.75% | 4.00% - 7.25% |
Punjab & Sind Bank | 3.00% - 6.80% | 3.50% - 7.30% |
Punjab National Bank | 3.50% - 7.25% | 4.00% - 7.75% |
State Bank of India | 3.05% - 6.45% | 3.55% - 7.75% |
UCO Bank | 2.90% - 7.14% | 3.15% - 7.64% |
Union Bank of India | 3.40% - 6.50% | 3.90% - 7.10% |
*Revised FD interest rates w.e.f. August, 2025
*FD Rates of Top Public Sector Banks in India for August 2025
Here is a list of the best fixed deposit interest rates in India offered by Private Sector Banks for deposits of up to Rs 3 crores:
Name of the Bank | FD Interest Rate p.a. (Senior Citizens) | FD Interest Rate p.a. (Senior Citizens) |
Axis Bank | 3.00% - 6.60% | 3.50% - 7.35% |
Bandhan Bank | 3.00% - 7.40% | 3.75% - 7.90% |
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% - 6.90% | 4.00% - 7.10% |
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% - 6.75% | 3.50% - 7.25% |
Jammu & Kashmir Bank | 3.50% - 7.10% | 4.00% - 7.60% |
Karnataka Bank | 3.50% - 6.65% | 3.75% - 6.80% |
Karur Vysya Bank | 4.00% - 6.85% | 7.25% |
Kotak Mahindra Bank | 2.75% - 6.60% | 3.25% - 7.29% |
Nainital Bank | 3.25% - 6.70% | 3.75% - 7.20% |
RBL Bank | 3.50% - 7.20% | 4.00% - 7.70% |
South Indian Bank | 2.90% - 6.95% | 3.40% - 7.45% |
Tamilnad Mercantile Bank | 4.00% - 7.05% | 4.00% - 7.55% |
YES Bank | 3.25% - 7.00% | 3.75% - 7.71% |
IDBI Bank | 3.00% - 6.55% | 3.50% - 7.05% |
Learn the importance of the fixed deposit rates from the list of key features mentioned below:
SBI (State Bank of India) is one of the largest and oldest public sector banks in India, offering a wide range of banking services. The State Bank of India FD interest rates on deposits amounting to less than ₹ 3 crores are as follows:
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*% |
*Includes an additional premium of 0.5% under the “SBI We-care” deposit scheme.
** SBI FD Interest Rates w.e.f July 15, 2025
ICICI Bank is one of India's leading private sector banks offering a comprehensive range of financial products and services. The ICICI Bank FD interest rates for its customers are listed in the following table:
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% |
* ICICI Bank FD Interest Rates w.e.f July 16, 2025
PNB (Punjab National Bank) offers Fixed Deposit (FD) schemes, which are a popular investment option in India. The Punjab National Bank fixed deposit interest rates for different tenures are listed below:
Tenure | General Citizen p.a. | Senior Citizen p.a. |
7 to 14 Days | 3.25% | 3.75% |
15 to 29 Days | 3.25% | 3.75% |
30 to 45 Days | 3.25% | 3.75% |
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 | 5.80% | 6.30% |
271 Days to 302 Days | 6.00% | 6.50% |
303 Days | 5.90% | 6.40% |
304 Days to < 1 Year | 6.00% | 6.50% |
1 Year | 6.40% | 6.90% |
> 1 Year to 389 Days | 6.40% | 6.90% |
390 Days | 6.70% | 7.20% |
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 | 6.50% | 7.00% |
1204 Days | 6.40% | 6.90% |
1205 Days to 5 Years | 6.50% | 7.00% |
> 5 Years to 1894 Days | 6.00% | 6.80% |
1895 Days | 5.85% | 6.65% |
1896 Days to 10 Years | 6.00% | 6.80% |
* PNB Bank FD Interest Rates w.e.f June 18, 2025
HDFC Bank offers a range of Fixed Deposit (FD) options. The following table shows the HDFC FD interest rates for its domestic customers on deposits below ₹3 crores:
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% |
* HDFC Bank FD Interest Rates w.e.f June 25, 2025
Axis Bank offers a variety of Fixed Deposit options designed to meet diverse financial needs with attractive interest rates. The list of Axis Bank FD interest rates is mentioned below:
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% |
* Axis Bank FD Interest Rates w.e.f August 11, 2025
You can secure your savings with Bank of Baroda's Fixed Deposit schemes, offering competitive returns and flexible tenures. The following table shows the BOB FD interest rates for 2025:
Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
7 days to 14 days | 3.50 | 4.00* |
15 days to 45 days | 3.50 | 4.00* |
46 days to 90 days | 5.00 | 5.50* |
91 days to 180 days | 5.00 | 5.50* |
181 days to 210 days | 5.50 | 6.00* |
211 days to 270 days | 5.75 | 6.25* |
271 days to less than 1 year | 6.00 | 6.50* |
1 year | 6.50 | 7.00* |
Above 1 year to 400 days | 6.50 | 7.00* |
Above 400 days and up to 2 years (except 444d) | 6.50 | 7.00* |
Above 2 years and up to 3 years | 6.50 | 7.00* |
Above 3 years and up to 5 years | 6.40 | 7.00# |
Above 5 years and up to 10 years | 6.00 | 7.00** |
Above 10 years (MACAD only) | 5.50 | 6.00* |
Bob Square Drive Deposit Scheme (444 Days) | 6.60 | 7.10* |
Bank of Baroda FD Interest Rates w.e.f June 12, 2025
* Extra 0.50% interest for senior citizens on deposits of 3 years and above 10 years.
# Extra 0.60% interest (0.50% + 0.10%) for senior citizens on deposits above 3 years up to 5 years (from 05.05.2025).
** Extra 1.00% interest (0.50% + 0.50%) for senior citizens on deposits above 5 years up to 10 years.
Canara Bank's Fixed Deposits provide a safe and reliable investment avenue with assured returns over flexible durations. You can learn about the various Canara Bank FD interest rates for different tenures in the following table:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 Days to 45 Days | 3.25% | 3.25% |
46 Days to 90 Days | 4.25% | 4.25% |
91 Days to 179 Days | 4.50% | 4.50% |
180 Days to 269 Days | 5.50% | 6.00% |
270 Days to less than 1 Year | 5.75% | 6.25% |
1 Year Only | 6.25% | 6.75% |
444 Days | 6.50% | 7.00% |
Above 1 Year to less than 2 Years | 6.25% | 6.75% |
2 Years & above to less than 3 Years | 6.25% | 6.75% |
3 Years & above to less than 5 Years | 6.25% | 6.75% |
5 Years & above to 10 Years | 6.25% | 6.75% |
*Canara Bank FD interest rates w.e.f. August 08, 2025
Kotak Mahindra Bank’s Fixed Deposits combine high interest rates with the safety of capital, making it an ideal savings choice. Learn about the Kotak Mahindra FD interest rates from the following table:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 - 14 Days | 2.75% | 3.25% |
15 - 30 Days | 2.75% | 3.25% |
31 - 45 Days | 3.00% | 3.50% |
46 - 90 Days | 3.50% | 4.00% |
91 Days | 5.00% | 5.50% |
92 Days - 179 Days | 4.25% | 4.75% |
180 Days | 5.75% | 6.25% |
181 Days to 269 Days | 5.50% | 6.00% |
270 Days | 5.50% | 6.00% |
271 Days to 363 Days | 6.00% | 6.50% |
364 Days | 6.00% | 6.50% |
365 Days to 389 Days | 6.25% | 6.75% |
390 Days (12 months, 25 days) | 6.50% | 7.00% |
391 Days - Less than 23 Months | 6.60% | 7.10% |
23 Months | 6.60% | 7.10% |
23 months 1 Day- less than 2 years | 6.50% | 7.00% |
2 years- less than 3 years | 6.40% | 6.90% |
3 years and above but less than 4 years | 6.40% | 6.90% |
4 years and above but less than 5 years | 6.40% | 6.90% |
5 years and above up to and inclusive of 10 years | 6.25% | 6.75% |
*Kotak Mahindra Bank FD interest rates w.e.f. August 20, 2025
YES Bank’s Fixed Deposit schemes offer attractive interest rates and multiple options to cater to your financial goals. The different Yes Bank FD interest rates offered to its domestic customers are as follows-
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 days to 14 days | 3.25% | 3.75% |
15 days to 45 days | 3.50% | 4.00% |
46 days to 90 days | 4.50% | 5.00% |
91 days to 120 days | 4.75% | 5.25% |
121 days to 180 days | 4.75% | 5.25% |
181 days to 271 days | 6.00% | 6.50% |
272 days to < 12 months | 6.25% | 6.75% |
12 months | 6.65% | 7.15% |
12 months 1 day to < 18 months | 6.75% | 7.25% |
18 months | 6.75% | 7.25% |
18 months 1 day < 24 months | 6.90% | 7.40% |
24 months < 36 months | 6.90% | 7.40% |
36 months to < 60 months | 7.00% | 7.75% |
60 months | 6.75% | 7.50% |
60 months 1 day to <= 120 months | 6.75% | 7.50% |
*Yes Bank FD interest rates w.e.f. August 01, 2025
IDFC First Bank's Fixed Deposits promise attractive returns and flexible investment options tailored to your needs. Senior citizens receive 0.50% extra interest on IDFC FIRST Bank Fixed Deposits. The IDFC First Bank FD interest rates for different tenures on deposits below ₹ 3 crores:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 - 14 days | 3.00% | 3.50% |
15 - 29 days | 3.00% | 3.50% |
30 - 45 days | 3.00% | 3.50% |
46 - 90 days | 4.00% | 4.50% |
91 - 180 days | 4.50% | 5.00% |
181 days – less than 1 year | 5.50% | 6.00% |
1 year | 6.30% | 6.80% |
1 year 1 day– 370 days | 6.30% | 6.80% |
371 days – 2 years | 6.50% | 7.00% |
2 years 1 day - 3 years | 6.75% | 7.25% |
3 years 1 day – 5 years | 6.60% | 7.10% |
5 years 1 day – 10 years | 6.00% | 6.50% |
*IDFC First Bank FD interest rates w.e.f. July 15, 2025
IndusInd Bank Fixed Deposit plans are designed to provide you with security and attractive interest earnings on your savings. Learn about these Indusind Bank FD interest rates from the table below:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 days to 30 days | 3.25% | 3.75% |
31 days to 45 days | 3.5% | 4.00% |
46 days to 60 days | 4.5% | 5.00% |
61 days to 90 days | 4.75% | 5.25% |
91 days to 120 days | 5.00% | 5.50% |
121 days to 180 days | 5.00% | 5.50% |
181 days to 210 days | 5.75% | 6.25% |
211 days to 269 days | 6.00% | 6.50% |
270 days to 354 days | 6.25% | 6.75% |
355 days to 364 days | 6.50% | 7.00% |
1 Year to below 1 Year 1 months | 6.75% | 7.25% |
1 Year 1 month to up to 2 years | 7.00% | 7.50% |
Above 2 years to 3 years 3 months | 6.75% | 7.25% |
Above 3 years 3 months to below 61 months | 6.65% | 7.15% |
61 months and above | 6.50% | 7.00% |
Tax Saver FD (5 years) | 6.65% | 7.15% |
*IndusInd Bank FD interest rates w.e.f. August 01, 2025
Indian Bank's Fixed Deposit schemes offer a range of benefits, including competitive interest rates and flexible investment tenures. The different Indian Bank FD rates are listed in the following table:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 days to 14 days | 2.90% | 3.30% |
15 days to 29 days | 2.90% | 3.30% |
30 days to 45 days | 3.00% | 3.50% |
46 days to 90 days | 3.50% | 3.75% |
91 days to 120 days | 3.50% | 4.00% |
121 days to 180 days | 4.25% | 4.35% |
181 days to less than 9 months | 4.25% | 5.00% |
9 months to less than 1 year | 4.75% | 5.25% |
1 year | 5.00% | 6.60% |
Above 1 year to less than 2 years
(Except 444 & 555 Days) |
6.30% | 7.00% |
444 days | 5.00% | 7.20% |
555 Days | 6.25% | 7.10% |
2 years to less than 3 years | 6.20% | 6.90% |
3 years to less than 5 years | 6.60% | 6.75% |
5 year | 6.20% | 6.50% |
Above 5 years | 6.15% | 6.50% |
*Indian Bank FD interest rates w.e.f. August 01, 2025
Union Bank of India's Fixed Deposit offerings ensure steady and safe growth for your investments with flexible terms. You can learn about the Union Bank of India fixed deposit interest rates from the table mentioned below:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7-45 Days | 3.40% | 3.90% |
46 -90 Days | 4.40% | 4.90% |
91-120 Days | 4.70% | 5.20% |
121-180 Days | 4.90% | 5.40% |
181 Days to < 1 Year | 6.15% | 6.65% |
1 Year | 6.40% | 6.90% |
> 1 Year to 996 days | 6.50% | 7.00% |
997 days | 6.30% | 6.80% |
>998 Days to less than 3 Years | 6.50% | 7.00% |
3 years | 6.60% | 7.10% |
> 3 years to 10 years | 6.40% | 6.90% |
*Union Bank FD interest rates w.e.f. August 20, 2025
Bank of India’s Fixed Deposit schemes are customised to provide high returns and secure investment options for your savings. The following table shows the latest Bank of India FD interest rates for its domestic customers for different tenures:
Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
7 days to 14 days | 3.00% | 3.5% |
15 days to 30 days | 3.00% | 3.5% |
31 days to 45 days | 3.00% | 3.5% |
46 days to 90 days | 4.50% | 5.00% |
91 days to 179 days | 4.25% | 4.75% |
180 days to 210 days | 5.50% | 6.00% |
211 days to 269 days | 5.50% | 6.00% |
270 days to less than 1 Year | 5.50% | 6.00% |
1 Year | 6.25% | 6.75% |
Above 1 Year to less than 2 Years (except 450) | 6.30% | 6.80% |
450 days (Star Vaibhav) | 6.45% | 6.95% |
2 Years to less than 3 Years | 6.30% | 6.80% |
3 Years to less than 5 Years | 6.60% | 7.10% |
5 Years to less than 8 Years | 6.25% | 6.75% |
8 years & above to 10 Years | 6.00% | 6.50% |
*Bank of India FD interest rates w.e.f. August 04, 2025
You can learn the key features of a general FD Scheme in India in 2025 from the table below:
Feature | Description |
Interest Rates | Vary between 2.75% to 7.25% for general citizens and 3.25% to 7.75% for senior citizens |
Tenure | Ranges from 7 days to 10 years. |
Loan Against FDs | Typically, up to 90% of the deposit amount is available as a loan/overdraft. |
Auto Sweep Facility | Link a savings account with an FD for auto-transfer of surplus funds to earn FD rates and vice versa. |
Premature Withdrawal | Allowed with a penalty; Interest rates may be lower for early withdrawals. |
TDS and Tax-Saving | TDS applicable. Depositors can claim deductions under Section 80C of the Income Tax Act. |
Nomination | Available. Up to 2 nominees can collect the FD amount upon the account holder's demise. |
Timely Closure | Closing the FD account at maturity, receiving the principal and accrued interest, offers better returns than other savings plans. |
Breaking the FD Account | You can withdraw the entire deposit before maturity by paying a penalty. Some banks may waive it in emergencies. |
Partial Withdrawal | Typically, in ₹1,000 units, with a 1% penalty, the remaining balance earns the original interest rate. |
Financial Safety | An FD investment is considered safe with minimal risk, especially if deposited in a reputable bank. |
The fixed deposit interest rate in India by public and private sector banks offers the best interest rate on FD, ranging from 2.75% to 7.25% p.a. for general citizens and 3.25% to 7.75% p.a. for senior citizens, with attractive features like guaranteed returns, loans on FD, TDS implications, nomination facility with flexible tenure period. You must make a comparative analysis of all the FD savings plans and check with the Public and private sector banks as per your investment horizon and future financial needs.
*The Guaranteed Returns are dependent on the policy term and premium term availed along with the other variable factors. 6.9% rate of return is for an 18 years old, healthy male for a policy term of 20 years and premium term of 10 years with Rs.10,000 monthly installment premium. All plans listed here are of insurance companies’ funds.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in