FD Interest Rates — Bank Comparison 2026
Compare fixed deposit rates across 45 banks
Highest General Rate
8.95%
Muthoot Capital Services Limited
FD Rate
Best Senior Citizen Rate
8.5%
Suryoday Small Finance Bank
FD Rate
Quick Calculator
₹1,00,000 at 8.95% for 1 year = ₹1,08,950
Interest earned: ₹8,950
🏦
AU Small Finance Bank
Best:6.75%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.75% | 7.25% | 😐 |
🏦
Axis Bank
Best:7.15%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.45% | 7.2% | 😕 |
| 7-29 days | 3.5% | 4% | 😞 |
| 30-90 days | 4.75% | 5.25% | 😞 |
| 91-180 days | 5.75% | 6.25% | 😕 |
| 181-364 days | 6.7% | 7.2% | 😐 |
| 1-2 years | 7.1% | 7.6% | 😊 |
| 2-3 years | 7.15% | 7.65% | 😊 |
| 3-5 years | 7.15% | 7.65% | 😊 |
| 5-10 years | 7% | 7.75% | 😊 |
🏦
Bajaj Finance
Best:7.80%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| 12-23 months | 7.4% | 7.65% | 😊 |
| 24-35 months | 7.6% | 7.85% | 🤑 |
| 36-60 months | 7.8% | 8.05% | 🤑 |
🏦
Bandhan Bank
Best:6.25%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.25% | 7.25% | 😕 |
🏦
Bank of Baroda
Best:7.15%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6% | 6.9% | 😕 |
| 7-45 days | 3.5% | 4% | 😞 |
| 46-179 days | 5.5% | 6% | 😕 |
| 180-364 days | 6.5% | 7% | 😐 |
| 1-2 years | 7.15% | 7.65% | 😊 |
| 2-3 years | 7.15% | 7.65% | 😊 |
| 3-5 years | 6.5% | 7% | 😐 |
| 5-10 years | 6.5% | 7% | 😐 |
🏦
Bank of India
Best:6.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6% | 6.75% | 😕 |
🏦
Bank of Maharashtra
Best:5.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 5% | 5.5% | 😞 |
🏦
Canara Bank
Best:7.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.25% | 6.75% | 😕 |
| 7-45 days | 3.25% | 3.75% | 😞 |
| 46-179 days | 5.25% | 5.75% | 😞 |
| 180-364 days | 6.5% | 7% | 😐 |
| 1-2 years | 7% | 7.5% | 😊 |
| 2-3 years | 7% | 7.5% | 😊 |
| 3-5 years | 6.7% | 7.2% | 😐 |
| 5-10 years | 6.7% | 7.2% | 😐 |
🏦
Capital Small Finance Bank Limited
Best:6.80%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.8% | 7.3% | 😐 |
🏦
Central Bank of India
Best:6.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6% | 6.5% | 😕 |
🏦
DCB Bank
Best:7.50%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.5% | 7.75% | 🤑 |
🏦
Federal Bank
Best:6.40%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.4% | 6.9% | 😕 |
🏦
HDFC Bank
Best:7.15%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.4% | 6.9% | 😕 |
| 7-29 days | 3% | 3.5% | 😞 |
| 30-90 days | 4.5% | 5% | 😞 |
| 91-180 days | 5.75% | 6.25% | 😕 |
| 181-364 days | 6.6% | 7.1% | 😐 |
| 1-2 years | 7.1% | 7.6% | 😊 |
| 2-3 years | 7.15% | 7.65% | 😊 |
| 3-5 years | 7.1% | 7.6% | 😊 |
| 5-10 years | 7% | 7.75% | 😊 |
🏦
ICICI Bank
Best:7.15%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.5% | 7.1% | 😐 |
| 7-29 days | 3% | 3.5% | 😞 |
| 30-90 days | 4.5% | 5% | 😞 |
| 91-180 days | 5.5% | 6% | 😕 |
| 181-364 days | 6.7% | 7.2% | 😐 |
| 1-2 years | 7.1% | 7.6% | 😊 |
| 2-3 years | 7.15% | 7.65% | 😊 |
| 3-5 years | 7% | 7.5% | 😊 |
| 5-10 years | 6.9% | 7.4% | 😐 |
🏦
ICICI Home Finance
Best:7.35%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.35% | 6.85% | 😊 |
🏦
IDBI Bank
Best:6.25%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.25% | 6.75% | 😕 |
🏦
IDFC FIRST Bank
Best:6.60%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.6% | 7.1% | 😐 |
🏦
Indian Bank
Best:6.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6% | 6.5% | 😕 |
🏦
Indian Overseas Bank
Best:6.10%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.1% | 6.6% | 😕 |
🏦
IndusInd Bank
Best:6.65%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.65% | 7.15% | 😐 |
🏦
Jammu & Kashmir Bank
Best:6.60%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.6% | 7.1% | 😐 |
🏦
Jana Small Finance Bank
Best:7.77%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.77% | 8% | 🤑 |
🏦
Karnataka Bank
Best:6.50%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.5% | 6.9% | 😐 |
🏦
Karur Vysya Bank
Best:6.55%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.55% | 6.95% | 😐 |
🏦
Kotak Mahindra Bank
Best:7.20%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.25% | 6.75% | 😕 |
| 7-30 days | 3.5% | 4% | 😞 |
| 31-90 days | 4.75% | 5.25% | 😞 |
| 91-180 days | 5.75% | 6.25% | 😕 |
| 181-364 days | 6.7% | 7.2% | 😐 |
| 1-2 years | 7.2% | 7.7% | 😊 |
| 2-3 years | 7.2% | 7.7% | 😊 |
| 3-5 years | 7.1% | 7.6% | 😊 |
| 5-10 years | 6.75% | 7.25% | 😐 |
🏦
LIC Housing Finance Ltd.
Best:7.35%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.35% | 6.7% | 😊 |
🏦
Mahindra Finance
Best:7.45%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.45% | 6.6% | 😊 |
🏦
Manipal Housing Finance Syndicate Ltd.
Best:8.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 8% | 8% | 🤑 |
🏦
Muthoot Capital Services Limited
Best:8.95%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 8.95% | 7.9% | 🤑 |
🏦
PNB Housing Finance Ltd.
Best:7.25%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.25% | 6.7% | 😊 |
🏦
Post Office (POSB)
Best:7.50%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| 1 year | 6.9% | 6.9% | 😐 |
| 2 years | 7% | 7% | 😊 |
| 3 years | 7.1% | 7.1% | 😊 |
| 5 years | 7.5% | 7.5% | 🤑 |
🏦
Punjab & Sind Bank
Best:5.95%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 5.95% | 6.45% | 😕 |
🏦
Punjab National Bank
Best:7.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| 7-45 days | 3.5% | 4% | 😞 |
| 46-179 days | 5% | 5.5% | 😞 |
| 180-364 days | 6.5% | 7% | 😐 |
| 1-2 years | 7% | 7.5% | 😊 |
| 2-3 years | 7% | 7.5% | 😊 |
| 3-5 years | 6.5% | 7% | 😐 |
| 5-10 years | 6.5% | 7% | 😐 |
🏦
RBL Bank
Best:6.70%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.7% | 7.2% | 😐 |
🏦
SBM Bank India
Best:7.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7% | 7.5% | 😊 |
🏦
Shivalik Small Finance Bank Limited
Best:6.25%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.25% | 6.5% | 😕 |
🏦
Shriram Finance
Best:7.50%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.5% | 6.85% | 🤑 |
🏦
South Indian Bank
Best:5.70%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 5.7% | 6.2% | 😕 |
🏦
State Bank of India
Best:7.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6.05% | 7.05% | 😕 |
| 7-45 days | 3.5% | 4% | 😞 |
| 46-179 days | 5.5% | 6% | 😕 |
| 180-364 days | 6.5% | 7% | 😐 |
| 1-2 years | 6.8% | 7.3% | 😐 |
| 2-3 years | 7% | 7.5% | 😊 |
| 3-5 years | 6.75% | 7.25% | 😐 |
| 5-10 years | 6.5% | 7.5% | 😐 |
🏦
Sundaram Home Finance
Best:7.40%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.4% | 6.7% | 😊 |
🏦
Suryoday Small Finance Bank
Best:8.25%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 8.25% | 8.5% | 🤑 |
🏦
UCO Bank
Best:6.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 6% | 6.5% | 😕 |
🏦
Ujjivan Small Finance Bank
Best:7.20%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7.2% | 7.7% | 😊 |
🏦
Union Bank of India
Best:5.90%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 5.9% | 6.4% | 😕 |
🏦
Utkarsh Small Finance Bank
Best:7.00%
| Tenure | General (%) | Senior (%) | Rating |
|---|---|---|---|
| FD Rate | 7% | 7.5% | 😊 |
Fixed Deposit Rates India — FAQs
Which bank gives the highest FD rate in 2026?
Among major banks, Bajaj Finance, IDFC First Bank, and Kotak Mahindra Bank typically offer the highest FD rates. Small finance banks may offer even higher rates but with different risk profiles.
How much extra do senior citizens get on FD?
Most banks offer 0.25% to 0.75% extra interest to senior citizens (age 60+). Some banks offer up to 0.80% additional rate on select tenures.
Is FD income taxable?
Yes, FD interest is fully taxable under "Income from Other Sources." TDS is deducted at 10% if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). You can claim exemption with Form 15G/15H if your total income is below the taxable limit.