Compare FD rates from Indian banks and NBFCs. Senior citizen rates, tax-saving FDs, and corporate deposits — all in one place.
Ranked by our methodology — highest rates for regular and senior citizens. No paid placements.
Top-rated banks and NBFCs side by side — score, regular and senior-citizen rates. Ranked by our methodology, not what pays us most.
| Bank / NBFC | Score | Top rate | Senior rate | Open |
|---|---|---|---|---|
| Bajaj Finance Fixed Deposit | 92 | 7.4% | 7.75% | Open → |
| HDFC Bank Fixed Deposit | 90 | 7.2% | 7.7% | Open → |
| SBI Fixed Deposit | 90 | 6.45% | 6.95% | Open → |
| IDFC FIRST Bank FD | 88 | 7.25% | 7.75% | Open → |
| Kotak Mahindra Bank FD | 88 | 6.8% | 7.3% | Open → |
| ICICI Bank Fixed Deposit | 88 | 6.5% | 7% | Open → |
| SBI Tax Saving FD | 88 | 6.3% | 6.8% | Open → |
| Post Office Time Deposit | 86 | 7.5% | 7.5% | Open → |
Full catalogue
Every bank + NBFC. Filter by rate, tenure, senior-citizen bonus, DICGC coverage. Auto-renewal flagged.
Unity Small Finance Bank raises 2-year FD to 9.60%
Highest rate in 2-year tenure right now. DICGC insured up to ₹5L. AAA-rated.
RBI repo rate held at 6.50% — next review 5 June
FD rates unlikely to rise further. Lock long tenures now before anticipated cuts in H2 2026.
Source: RBI MPC minutes
SBI special 'Amrit Vrishti' 400-day FD at 7.25%
Limited-period scheme ends 30 June. Senior citizens get 7.75%. Standalone tenure — not renewed automatically.
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Editorial
Fixed Deposits · 18 Jul 2026
Shriram Finance's FDs carry the highest possible safety rating from all four major agencies, but skip the DICGC insurance a bank FD gets. Here's what that trade-off actually means.
Fixed Deposits · 17 Jul 2026
Discover the best senior citizen FD rates in Post Office 2025. Learn about SCSS interest rates, tax benefits, and step-by-step guide to open an account. Secure your retirement with government-backed savings.
By InvestingPro Banking Desk
Fixed Deposits · 15 Jul 2026
HDFC Bank’s tax-saving FD offers ₹1.5 lakh deduction under Section 80C with 7% interest. Learn how to invest, compare rates, and avoid common mistakes in this 2025 guide for young professionals.
By InvestingPro Banking Desk
Fixed Deposits · 13 Jul 2026
Discover SBI’s 2025 tax-saving FD interest rates, features, and tax benefits. Learn how to invest, compare with PPF/ELSS, and avoid common mistakes in this practical guide for young Indian professionals.
By InvestingPro Banking Desk
Fixed Deposits · 5 Jul 2026
ICICI Bank offers up to 7.50% p.a. on senior citizen FDs. Learn eligibility, tax implications, and alternatives to maximize your retirement savings.
By InvestingPro Banking Desk
Fixed Deposits · 29 Jun 2026
With RBI cutting the repo rate from 6.50% to 5.25% in 2026, long-term FD rates may fall further. Locking in a 3–5 year FD now at up to 8.10% from top small finance banks makes financial sense. This guide ranks all options from highest to lowest rate with a focus on safety.
Fixed Deposits · 29 Jun 2026
A Flexi FD or auto-sweep account lets your idle savings earn Fixed Deposit interest rates while remaining accessible like a savings account. If your salary account often holds ₹1–5 lakh sitting idle at 3%, auto-sweep could quietly add thousands of rupees to your returns every year.
Fixed Deposits · 29 Jun 2026
When your Fixed Deposit matures, most Indian banks automatically renew it for the same tenure at whatever rate is current — which may be lower. This guide explains how FD auto-renewal works, the tax and interest implications, and exactly how to opt out or change instructions before maturity.
Fixed Deposits · 29 Jun 2026
You have ₹1–10 lakh to park for 3–12 months and you're torn between a bank FD and a liquid mutual fund. Both offer around 7% returns today, but they differ on liquidity, safety, and tax treatment. This guide settles the debate with real numbers.
Before you deposit
Safety
₹30L of cover at one bank via 6 categories. PMC + LVB + Yes Bank case studies + 90-day payout rule.
Read guide →
Tax
₹40K/₹50K threshold mechanics, Form 15G/15H merger into Form 121, 4 legal minimization strategies.
Read guide →
Honest math
Why 7% nominal becomes -0.6% real for 30%-bracket investors. 5 inflation-beating alternatives.
Read guide →
Rate boost
AU, Unity, Suryoday at 8-9% vs PSU 6.5-7%. Identical DICGC + 3-question due diligence.
Read guide →
Retiree
Optimal 4-instrument mix for ₹50L corpus → ₹35-40K monthly income tax-efficient.
Read guide →
Caution
DHFL collapse case + 4 red flags + risk-adjusted return math (rate premium vs DICGC gap).
Read guide →
Bank fixed deposits are regulated by the Reserve Bank of India and protected by DICGC insurance up to ₹5 lakh per depositor per bank. Corporate / NBFC fixed deposits do NOT carry DICGC cover and carry issuer credit risk — read the credit-rating disclosure carefully. Senior-citizen rates and tax-saver-FD eligibility apply per scheme T&C.
Risk note: Premature withdrawal of fixed deposits typically incurs a 0.5–1% penalty on the applicable interest rate. Plan tenure to match your liquidity needs.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.