Fixed deposit rates compared
Rates a year for deposits under ₹3 crore, from each bank's own rate page where it could be read. The highest rate in each column is marked.
| Bank | 1 year | 2 years | 3 years | 5 years | Highest rate | Rates from |
|---|---|---|---|---|---|---|
| SBIPublic sector bank | 6.25% | 6.4% | 6.3% | 6.05% | 6.45%444 days (Amrit Vrishti) | 15 Dec 2025 |
| HDFC BankPrivate bank | 6.25% | 6.45% | 6.45% | 6.4% | 6.5%3 years 1 day to less than 4 years 7 months | 19 Aug 2026 |
| ICICI BankPrivate bank | 6.25% | 6.3% | 6.45% | 6.5% | 6.5%3 years 1 day to 10 years | 5 Oct 2026 |
| Axis BankPrivate bank | 6.25% | 6.5% | 6.5% | 6.5% | 6.5%18 months to 10 years | 30 Sept 2026 |
| Kotak Mahindra BankPrivate bank | 6.35% | 6.65% | 6.4% | 6.25% | 6.65%2 years to less than 3 years | 23 Sept 2026 |
| Punjab National BankPublic sector bank | 6.25% | 6.3% | 6.3% | 6.35% | 6.6%444 days | 1 Jun 2026 |
| Bank of BarodaPublic sector bank | 6.25% | 6.25% | 6.25% | 6.3% | 6.75%555 days (bob Golden Goal) | 12 Jun 2026 |
| Canara BankPublic sector bank | 6.25% | 6.25% | 6.25% | 6.25% | 6.6%555 days | 17 Mar 2026 |
| Union Bank of IndiaPublic sector bank | 6.2% | 6.15% | 6.1% | 6.0% | 6.55%555 days | 4 Aug 2026 |
| IDFC FIRST BankPrivate bank | 6.5% | 7.1% | 7.1% | 6.75% | 7.1%500 days to 3 years | 1 Sept 2026 |
| IndusInd BankPrivate bank | 6.75% | 7.0% | 7.0% | 6.65% | 7.0%2 years to 3 years | 24 Jul 2026 |
| YES BankPrivate bank | 6.65% | 7.0% | 7.0% | 6.75% | 7.25%18 months 1 day to less than 24 months | 2 Jun 2026 |
| AU Small Finance BankSmall finance bank | 6.35% | 7.0% | 7.4% | 6.75% | 7.4%30 months 1 day to 36 months | 1 Sept 2026 |
| Ujjivan Small Finance BankSmall finance bank | 7.25% | 7.55% | 7.25% | 7.2% | 7.8%3 years 1 day to 3 years 6 months | 1 Sept 2026 |
| Equitas Small Finance BankSmall finance bank | 7.1% | 7.0% | 7.1% | 7.0% | 8.0%3 years 1 day (Maxima FD); regular FD best is 7.75 at 888 days | 16 Jun 2026 |
| Suryoday Small Finance BankSmall finance bank | 7.25% | 7.25% | 6.75% | 8.25% | 8.25%5 years | 15 Aug 2026 |
| Unity Small Finance BankSmall finance bank | 7.5% | – | – | 6.75% | 8.0%501 days | 15 Jul 2026 |
| Bank | 1 year | 2 years | 3 years | 5 years | Highest rate | Rates from |
|---|---|---|---|---|---|---|
| SBIPublic sector bank | 6.75% | 6.9% | 6.8% | 7.05% | 7.05%5 to 10 years (includes SBI We-care premium) | 15 Dec 2025 |
| HDFC BankPrivate bank | 6.75% | 6.95% | 6.95% | 6.9% | 7.1%3 years 1 day to less than 4 years 7 months | 19 Aug 2026 |
| ICICI BankPrivate bank | 6.75% | 6.8% | 6.95% | 7.1% | 7.1%3 years 1 day to 5 years | 5 Oct 2026 |
| Axis BankPrivate bank | 6.75% | 7.0% | 7.0% | 7.25% | 7.25%5 years to 10 years | 30 Sept 2026 |
| Kotak Mahindra BankPrivate bank | 6.85% | 7.15% | 6.9% | 6.75% | 7.15%2 years to less than 3 years | 23 Sept 2026 |
| Punjab National BankPublic sector bank | 6.75% | 6.8% | 6.8% | 6.85% | 7.1%444 days | 1 Jun 2026 |
| Bank of BarodaPublic sector bank | 6.75% | 6.75% | 6.75% | 6.9% | 7.25%555 days (bob Golden Goal) | 12 Jun 2026 |
| Canara BankPublic sector bank | 6.75% | 6.75% | 6.75% | 6.75% | 7.1%555 days | 17 Mar 2026 |
| Union Bank of IndiaPublic sector bank | 6.7% | 6.65% | 6.6% | 6.5% | 7.05%555 days | 4 Aug 2026 |
| IDFC FIRST BankPrivate bank | 6.75% | 7.35% | 7.35% | 7.0% | 7.35%500 days to 3 years | 1 Sept 2026 |
| IndusInd BankPrivate bank | 7.25% | 7.75% | 7.75% | 7.15% | 7.75%2 years to 3 years | 24 Jul 2026 |
| YES BankPrivate bank | 7.15% | 7.5% | 7.75% | 7.5% | 7.75%18 months 1 day to less than 24 months, and 36 to less than 60 months | 2 Jun 2026 |
| AU Small Finance BankSmall finance bank | 6.85% | 7.5% | 7.9% | 7.25% | 7.9%30 months 1 day to 36 months | 1 Sept 2026 |
| Ujjivan Small Finance BankSmall finance bank | 7.75% | 8.05% | 7.75% | 7.7% | 8.3%3 years 1 day to 3 years 6 months | 1 Sept 2026 |
| Equitas Small Finance BankSmall finance bank | 7.6% | 7.5% | 7.6% | 7.5% | 8.5%3 years 1 day (Maxima FD); regular FD best is 7.75 at 888 days | 16 Jun 2026 |
| Suryoday Small Finance BankSmall finance bank | 7.4% | 7.4% | 6.9% | 8.5% | 8.5%5 years | 15 Aug 2026 |
| Unity Small Finance BankSmall finance bank | 8.0% | – | – | 7.25% | 8.5%501 days | 15 Jul 2026 |
Deposit insurance. DICGC insures up to ₹5 lakh per person per bank, including small finance banks. Higher rates at small banks come with more risk above that amount.
Interest is taxed at your slab rate, and banks deduct 10% TDS once a year's interest from one bank crosses the threshold. See what you keep in the FD calculator.
Banks change FD rates often, sometimes weekly. Confirm the rate on the bank's page before you book.
Last checked 5 October 2026. Sources: Each bank's rate page, linked from its name
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