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FD Interest Rates Hub
A single, regularly-updated view of fixed-deposit interest rates across India's leading public, private and small-finance banks — plus the Post Office. Compare peak general and senior citizen rates side by side, then model maturity with the FD calculator.
// 26 banks tracked// updated Jan 2026
Public Sector Banks
PSU banks majority-owned by the Government of India, regulated by RBI.
10 banks
| Bank | Peak General | Peak Senior |
|---|---|---|
 State Bank of India | 7.05% | 7.55% |
 Bank of Baroda | 7.30% | 7.90% |
 Punjab National Bank | 7.25% | 7.75% |
 Canara Bank | 7.25% | 7.75% |
 Union Bank of India | 7.30% | 7.80% |
 Bank of India | 7.30% | 7.80% |
 Indian Bank | 7.30% | 7.80% |
 Central Bank of India | 7.25% | 7.75% |
 UCO Bank | 7.30% | 7.80% |
 Punjab & Sind Bank | 7.45% | 7.95% |
Private Sector Banks
Privately-owned scheduled commercial banks regulated by RBI.
10 banks
| Bank | Peak General | Peak Senior |
|---|---|---|
 HDFC Bank | 7.40% | 7.90% |
 ICICI Bank | 7.25% | 7.85% |
| Axis Bank | 7.25% | 7.75% |
 Kotak Mahindra Bank | 7.30% | 7.80% |
 IndusInd Bank | 7.75% | 8.25% |
 Yes Bank | 7.75% | 8.50% |
| IDFC FIRST Bank | 7.90% | 8.40% |
 Federal Bank | 7.40% | 8.00% |
 South Indian Bank | 7.40% | 7.90% |
 RBL Bank | 7.80% | 8.30% |
Small Finance Banks
RBI-licensed SFBs offering higher headline FD rates than commercial banks.
5 banks
| Bank | Peak General | Peak Senior |
|---|---|---|
 AU Small Finance Bank | 8.00% | 8.50% |
 Equitas Small Finance Bank | 8.25% | 8.75% |
 Ujjivan Small Finance Bank | 8.25% | 8.75% |
 Jana Small Finance Bank | 8.50% | 9.00% |
 Suryoday Small Finance Bank | 9.10% | 9.60% |
Post Office
Sovereign-backed term deposits operated by India Post.
1 bank
| Bank | Peak General | Peak Senior |
|---|---|---|
 Post Office | 7.50% | 7.50% |
How to use this hub
- Scan the tables above to compare peak published FD rates across banks and categories. Rates are illustrative — confirm the live rate with the bank before booking.
- Use the FD Calculator to model maturity, interest and effective yield for any rate / tenure / compounding combination.
- Senior citizens typically receive an additional 0.50% premium over the general rate; super-seniors aged 80+ may receive a further 0.10%–0.25% at select banks.
- FD interest is fully taxable at slab; TDS at 10% applies once interest crosses ₹40,000 in a year (₹50,000 for senior citizens).