Are you looking to invest in a Fixed Deposit (FD) and confused about which bank offers the best interest rates? You’re at the right place. At Calculat , we bring you the most updated and reliable information on FD interest rates offered by various banks across India.
Whether you’re planning to invest for a short term or want a safe investment avenue, fixed deposits remain one of the most popular choices among investors. In this guide, we’ve compiled the latest FD interest rates for general investors as of 2025. These rates are applicable for tenures less than 5 years and deposits below ₹2 crores .
Note: Senior citizens usually receive higher interest rates compared to general investors. Always confirm with your respective bank for exact figures.
Fixed Deposit Interest Rates by Top Indian Banks (2025)
Here’s a comprehensive list of current FD interest rates offered by leading public sector, private sector, and foreign banks in India:
| Bank Name | Interest Rate (% p.a.) | Bank Type |
|---|---|---|
| State Bank of India (SBI) | 6.60 | Public Sector |
| Punjab National Bank (PNB) | 6.90 | Public Sector |
| Canara Bank | 7.40 | Public Sector |
| Central Bank of India | 6.60 | Public Sector |
| Union Bank of India | 7.00 | Public Sector |
| IDBI Bank | 6.75 | Public Sector |
| UCO Bank | 6.65 | Public Sector |
| Vijaya Bank | 6.50 | Public Sector |
| Syndicate Bank | 6.50 | Public Sector |
| Dena Bank | 6.80 | Public Sector |
| United Bank of India | 6.25 | Public Sector |
| Corporation Bank | 6.60 | Public Sector |
| Indian Bank | 6.25 | Public Sector |
| Oriental Bank of Commerce | 6.85 | Public Sector |
| Indian Overseas Bank | 6.50 | Public Sector |
| ICICI Bank | 7.30 | Private Sector |
| Axis Bank | 7.00 | Private Sector |
| Kotak Mahindra Bank | 6.75 | Private Sector |
| HDFC Bank | 7.25 | Private Sector |
| Yes Bank | 7.15 | Private Sector |
| DCB Bank | 7.05 | Private Sector |
| City Union Bank | 7.10 | Private Sector |
| IndusInd Bank | 7.15 | Private Sector |
| Tamilnad Mercantile Bank | 6.90 | Private Sector |
| Federal Bank | 6.70 | Private Sector |
| Nainital Bank | 7.00 | Private Sector |
| RBL Bank | 7.40 | Private Sector |
| J&K Bank | 6.75 | Private Sector |
| Citibank | 5.25 | Foreign Bank |
| HSBC Bank | 6.25 | Foreign Bank |
| Deutsche Bank | 7.00 | Foreign Bank |
Tips Before Investing in an FD
- Compare Rates: Always compare FD interest rates from multiple banks before finalizing.
- Check Tenure Options: Choose a tenure that aligns with your financial goals.
- Senior Citizen Benefits: If you’re above 60 years of age, make sure to ask about higher interest rates.
- Tax Implications: Understand TDS rules and how they apply to your FD interest income.
- Safety First: Invest only in banks with good credit ratings and deposit insurance.
Why Choose Calculat?
At Calculat.co.in , we aim to simplify complex financial decisions by providing accurate, up-to-date, and easy-to-understand information. Whether it’s about interest rates, loan calculations, or investment strategies, we’ve got you covered.
Stay tuned for more updates on savings schemes, tax-saving instruments, and other useful financial tools.
Calculate Your FD Returns Instantly
Use our Fixed Deposit Calculator to quickly estimate your investment returns. Enter the deposit amount, tenure, and interest rate to see your maturity amount and earned interest — all in real-time.