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Every Indian bank with at least one active FD in our catalog, ranked by highest general rate. Small Finance Banks (SFBs) and corporate FDs typically lead — they trade higher rates for the credit-quality trade-off. All carry DICGC ₹5 lakh deposit insurance per bank per depositor; corporate FDs do not.
Once you’ve picked your bank, use our FD Ladder Builder to split your corpus across 5 maturity rungs (1Y / 2Y / 3Y / 4Y / 5Y) — avoids reinvestment risk + the DICGC visualiser shows your insurance coverage gap if you concentrate at one bank.
Advertiser Disclosure: InvestingPro.in is an independent comparison platform. We may receive compensation when you click on links to products from our partners (like Banks or AMCs). However, our reviews, ratings, and comparisons are based on objective analysis and are never influenced by compensation.
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.