In recent times several private banks have been offering attractive interest rate on fixed deposits. FDs are popular investment option for individuals for earn a steady return on their savings. With the reserve bank of India adjusting the repo rate, many private banks have followed by increasing their Fd rates. This move is particularly beneficial for senior citizens and those looking to secure their savings with guaranteed returns.
Here you can find FD highest interest rate in which bank in India. Mentioned interest rates are updated as of 24 February 2025.
Unity small Finance Bank
Unity small finance bank interest rates are in the range of 4.50-9.00% p.a. for the general public. Senior citizen FD rates are from 4.50-9.50% p.a. The bank offers Fix deposit tenure from 7 days to 10 years.
| Highest Interest Rate | 9.00% p.a. (for 1001 days) |
| 1 year | 7.85% p.a. |
| 2 years | 7.90% p.a. |
| 3 years | 8.15% p.a. |
| 4 years | 8.15% p.a. |
| 5 years | 8.15% p.a. |
North East Small Finance Bank
This bank interest rate are in the range of 3.50-9.00% p.a. for the general public. Senior citizens FD rates range from 3.75-9.00% p.a. The bank offers FD duration from 7 days to 120 months.
| Highest Interest rate | 9.00% (18 months 1 day to 36 months) |
| 1 year | 7.00% p.a. |
| 2 years | 9.00% p.a. |
| 3 years | 9.00% p.a. |
| 4 years | 8.00% p.a. |
| 5 years | 8.00% p.a. |
Suryoday Small Finance Bank
Suryoday small finance bank offers in the range of 4.00-8.60% p.a. for the general public. Senior citizens FD rates range from 4.50-9.10% p.a. The bank offers FD duration from 7 days to 10 years. The interest rate for Tax Saving FDs is 8.60% p.a. for the general public and 9.10% p.a. for senior citizen depositors.
| Highest Interest rate | 8.60% p.a. (for 5 years) |
| 1 year | 8.25% p.a. |
| 2 years | 8.25% p.a. |
| 3 years | 8.25% p.a. |
| 4 years | 8.60% p.a. |
| 5 years | 8.60% p.a. |
| Tax-Saving FD | 8.60% p.a. |
Shivalik Small Finance Bank
Interest rates are in the range of 3.50-8.55% p.a. for the general public and senior citizens’ FD rates range from 4.00-9.05% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate on Shivalik Small Finance Bank Tax Saving FDs is 6.50% p.a. for the general public and 7.00% p.a. for senior citizens for tenures of 5 years to 10 years.
| Highest Interest rate | 8.55% (12 months 1 day to less than 18 months) |
| 1 year | 6.00% p.a. |
| 2 years | 8.30% p.a. |
| 3 years | 7.50% p.a. |
| 4 years | 6.50% p.a. |
| 5 years | 6.50% p.a. |
| Tax-Saving FD | 6.50% p.a. |
Utkarsh Small Finance Bank
The FD rates are in the range of 4.00-8.50% p.a. for the general public. The fixed deposit interest rates for senior citizens start from 4.75-9.10% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 7.50% p.a. for the general public and 8.10% p.a. for senior citizen depositors.
| Highest interest rate | 8.50% p.a. (for 2 years to 3 years;1500 days) |
| 1 year | 8.00% p.a. |
| 2 years | 8.50% p.a. |
| 3 years | 8.50% p.a. |
| 4 years | 7.75% p.a. |
| 5 years | 7.75% p.a. |
| Tax-Saving FD | 7.50% p.a. |
ESAF Small Finance Bank
ESAF FD rates are starting from 4.00-8.38% p.a. for the general public. The fixed deposit interest rates for senior citizens range from 4.50-8.88% p.a. The bank gives FD tenures from 7 days to 10 years.
| Highest interest rate | 8.38% p.a. (for 888 days) |
| 1 year | 6.00% p.a. |
| 2 years | 8.00% p.a. |
| 3 years | 6.75% p.a. |
| 4 years | 6.75% p.a. |
| 5 years | 6.25% p.a. |
Ujjivan Small Finance Bank
FD rates are in the range of 3.75-8.25% p.a. for the general public. Senior citizens FD rates range from 4.25-8.75% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 7.20% p.a. for the general public and 7.20% p.a. for senior citizen.
| Highest interest rate | 8.25% p.a. (for 1 year) |
| 1 year | 8.25% p.a. |
| 2 years | 7.75% p.a. |
| 3 years | 7.20% p.a. |
| 4 years | 7.20% p.a. |
| 5 years | 7.20% p.a. |
| Tax-Saving FD | 7.20% p.a. |
AU Small Finance Bank
This bank is given rate in the range of 3.75-8.10% p.a. for the general public. Senior citizens FD interest rates range start from 4.25-8.60% p.a. The bank offers FD duration from 7 days to 10 years. The interest rate on AU Small Finance Bank Tax Saving FDs is 7.25% p.a. for the general public and 7.75% p.a. for senior citizen for tenures of 5 years.
| Highest interest rate | 8.10% p.a. (18 months) |
| 1 year | 7.25% p.a. |
| 2 years | 7.75% p.a. |
| 3 years | 7.50% p.a. |
| 4 years | 7.25% p.a. |
| 5 years | 7.25% p.a. |
| Tax-Saving FD | 7.25% p.a. |
DCB Bank
FD rates are in the range of 3.75-8.05% p.a. to the general public and 4.25-8.55% p.a. to senior citizens for tenures ranging from 7 days to 10 years. The interest rate on DCB Bank Tax Saving FDs is 7.40% p.a. for the general public and 7.90% p.a. for senior citizen depositors for tenures of 5 years.
| Highest interest rate | 8.05% p.a. (for 19 months to 20 months) |
| 1 year | 7.10% p.a. |
| 2 years | 7.50% p.a. |
| 3 years | 7.50% p.a. |
| 4 years | 7.40% p.a. |
| 5 years | 7.40% p.a. |
| Tax-Saving FD | 7.40% p.a. |
Bandhan Bank
The FD rates are in the range of 3.00-8.05% p.a. to the general public and 3.75-8.55% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The interest rate on Bandhan Bank Tax Saving FDs is 7.00% p.a. for the general public and 7.50% p.a. for senior citizens for tenures of 5 years to 10 years.
| Highest interest rate | 8.05% p.a. (for 1 year) |
| 1 year | 8.05% p.a. |
| 2 years | 7.25% p.a. |
| 3 years | 7.25% p.a. |
| 4 years | 7.25% p.a. |
| 5 years | 5.85% p.a. |
| Tax-Saving FD | 7.00% p.a. |
High interest fixed Deposits are a better investment option with safety, reliability and attractive returns. By conducting thorough research and choosing the right bank investors can increase financial growth and stability.
