Fixed Deposit still remains a reliable and safe investment option for senior citizens. While big banks have reduced FD rates, some Small Finance Banks still Up to 8% interest on 5 year FD Are giving. This opportunity is especially for those who want steady and fixed income after retirement.

In this video we will tell that Suryoday Small Finance Bank 8%, Jana Small Finance Bank 7.77% more Ujjivan Small Finance Bank Why are they offering 7.7% interest? The maximum investment limit in FD can be up to ₹3 crore. You will also know that while making FD in Small Finance Banks DICGC insurance available up to ₹5 lakh, tds rules, Form 15H And Zero tax up to ₹12 lakh How can one take advantage of this? Must watch this video before investing in FD.

Bank FD Interest Rate: Bank FD is a great way to invest to enhance your future and keep your future secure. You can earn big money from interest on bank FD. However, for this it is important to know which bank is providing better interest on FD. Banks keep changing the interest rates from time to time according to the rate cycle and liquidity, hence it is important to have correct information about it. This year, public sector, private sector and small finance banks are offering very different interest slabs, let’s take a look at them so that if you are also thinking of getting FD, then it can help you in getting good returns.

State Bank of India

State Bank of India is currently giving 3.05 percent to 6.60 percent annual interest rate to general customers on FD. The bank is giving about 0.50 percent more interest to senior citizens. The highest rate on some specific buckets is around 7.10 percent. On one year fixed deposits, general customers are getting interest at the rate of 6.25 percent and senior citizens are getting interest at the rate of 6.75 percent.

Punjab National Bank (PNB)

Punjab National Bank is offering interest rates ranging from 3.00 percent to 6.60 percent on FD for the common people, in which senior citizens get interest up to 6.90 percent for some time. On one year FD, regular depositors are getting interest at the rate of 6.25 percent and senior citizens are getting interest at the rate of 6.75 percent.

Kotak Mahindra Bank

Kotak Mahindra Bank is giving interest ranging from 2.75 percent to 6.70 percent to general customers on FD. At the same time, the rate for senior citizens is going up to about 7.10 percent. Generally, on one year FD, 6.25 percent interest is being given to regular depositors and 6.75 percent interest to senior citizens.

RBL Bank

The interest rate on FD for general customers in RBL Bank ranges from 3.50-7.80 percent. At the same time, for senior citizens it is going to increase further to 4-8.30 percent.

Bank of Baroda

Bank of Baroda is currently offering FD rates of around 3.50% to 6.60% per annum for general public and 4.00% to 7.10% per annum for senior citizens. The rate on one year standard deposit is 6.25 percent for regular investors and 6.75 percent for senior citizens.

HDFC Bank

The interest rate on FD for regular customers in HDFC Bank ranges between 2.75 percent to 6.60 percent, while senior citizens can earn around 7.10 percent at certain times. For one year maturity, regular depositors are generally getting 6.25 percent interest and senior citizens are getting 6.75 percent interest.

ICICI Bank

In ICICI Bank, interest rates on FD for general customers are between 2.75 percent to 6.60 percent per annum and for senior citizens it is between 3.25 percent to 7.10 percent. The FD rate for regular depositors for tenure less than 1 year to 18 months is 6.25 percent and for senior citizens it is 6.75 percent.

DCB Bank

DCB Bank is giving interest at the rate of 3.75 percent to about 7.20 percent on FD to general customers. At the same time, for senior citizens this rate is around 4.00 percent to 7.70 percent annually. Rates for regular customers are usually around 6.90%-7.00% and for senior citizens, rates are usually around 7.15%-7.50% for a tenure of about one year.

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Is your hard-earned money sitting in a savings account just earning nominal interest? Then this video is for you! Today we will talk about the 444 day special FD scheme of government banks, which is giving better returns and guaranteed security. In this video, know at what interest rates SBI, Punjab and Sindh Bank, Bank of Baroda, Indian Bank, IOB and Canara Bank are giving you the benefit. Know how an FD of ₹8.55 lakh can earn more than ₹70,000 interest in just 444 days! Which banks are offering interest rates ranging from 6.6% to 6.7% and which bank is the best in terms of safety and trust. If you want guaranteed returns with low risk, then this FD scheme should definitely be in your portfolio. Keep in mind – interest rates may change from time to time, so be sure to consult your bank’s website or a financial advisor before investing. Like, share the video and tell in the comments – Which FD scheme did you like the best?

Auto Sweep Service: Many people like us open our accounts in the bank, but remain unaware of all the facilities provided by the bank to the customers. If we have correct information about them, we can remain profitable. One such facility is Auto Sweep Service.

People keep depositing money in their savings or current accounts, on which they get 2.5-3 percent interest. However, if you use a little wisdom, you will get three times more interest on it. Generally, banks give 7-8 percent interest on fixed deposits (FD), but you can also earn the same interest on the money kept in your savings or current account. For this you will have to do a little work.

What is Auto Sweep Service?

Auto Sweep is a feature through which you can link your bank account with fixed deposit. As soon as this service is enabled in the account, you will get increased interest on the surplus funds. There is a limit to this. As soon as the amount deposited in the savings or current account crosses the sweep limit, auto sweep gets activated, after which interest is higher than the interest applicable on surplus funds, which is equal to FD.

Understand it this way – Suppose you have fixed the auto sweep limit in the bank at Rs 50,000, while the account has Rs 80,000. In such a situation, the amount which is more than the fixed limit i.e. Rs 30,000 will automatically be deposited in the fixed deposit, on which you will get more interest than a normal savings account. If the balance in your account decreases or if needed, you can get the money from FD ‘swept in’ back to your account. In a way, liquidity is maintained and huge interest is also available on the deposited amount.

Benefits of Auto Sweep

That is, if you do not know how and where to invest due to this service, then this is a great way of investment for you. Apart from this, you do not need to go to the bank separately to get FD because this work is completed automatically through auto sweep. Generally, you cannot break the FD until the maturity period is completed, but in this you can withdraw the money by breaking your fixed deposit anytime. You can get this work done both offline and online.

How to start the service?

To start the service offline, you just have to go to the bank and ask to enable the auto sweep service. Apart from this, you can also start it with the help of bank’s website or mobile banking. For this you will have to log in to your bank account and go to the fixed deposit option. Then along with clicking on ‘More’ you will get the option of ‘Auto Sweep Facility’. After this you will have to decide the limit and click on ‘Submit’ button.

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Investment Tips: In today’s times, people’s inclination towards investment has increased a lot. Everyone wants that their hard-earned money is safe and they get good returns on it. Earlier, most people considered FD as the safest option. But now the thinking has changed with time. Now people take decisions by comparing many options like mutual funds, gold and FD.

Some people like the growth point of mutual funds. While some consider gold as a reliable investment. Whereas FD still remains a good option. So the question is, which is more beneficial to invest in and which option suits your needs better. Let us tell you.

Which has more benefit in mutual funds, gold or FD?

If you want better returns then mutual funds can be a good option. There is a little more risk in this. But in the long run they often give better returns than FD and gold. Equity funds are especially suitable for investors who can handle market fluctuations. On the other hand, investing in gold provides stability and it performs well in times of inflation.

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Its value does not reduce. Rather it increases many times. Whereas in FD i.e. fixed deposit, money remains safe at fixed interest rate. But its returns are less as compared to mutual funds. That is, if you can take the risk then funds are better and if you want stability then gold or FD can be a better option.

Which investment is more safe?

FD remains at the forefront in terms of security. Because in this the returns are fixed and the deposited amount remains safe. In bank FD you do not have to bear any impact of market fluctuations. At the same time, the risk in gold is also less. Because its price keeps increasing in the long run. But there may be ups and downs in the short term. Talking about mutual funds, there is market risk associated with them.

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That means your investment depends on the performance of the stock market. However, if you invest for a long period then this risk gradually becomes stable. Therefore, if you want safety then FD and gold are good options. But if you can take some risk with better returns then you can invest in mutual funds.

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Bank fd of 444 days: Many big government banks of the country are giving good interest on 444 days fixed deposit (FD) scheme. This can be a better investment option for those who want safe and fixed returns. Under this special scheme, bank general, senior and super senior citizens are all paying good interest in different categories.

However, in recent times, their popularity has decreased slightly due to the arrival of equity, mutual funds and other market based investment options, so banks are bringing special FD schemes for limited deadline to encourage more deposits, which provide higher interest rates than normal.

Which can give more profit in investing in which?

Many government banks like State Bank of India (SBI), Bank of Baroda (BOB), Punjab and Sindh Bank, Indian Overseas Bank (IOB), Canara Bank are offering special FD schemes for 444 days. We are going to tell you through the news that which government bank is giving the most returns on this scheme so that you can know in which investment can be a profitable deal. For this, a maturity amount has been detected for investment of Rs 6,66,666 in every scheme.

Check list

• State Bank of India (SBI) has named the scheme as ‘Amrit Vrishti FD’. In this FD scheme of 443 days, interest of 6.60 percent on deposits and 7.10 percent to senior citizens is being given to normal investors.
• On its 444-day FD scheme, Punjab and Sindh Bank is paying interest to its common customers at the rate of 6.7 percent.
• Both Indian Bank and Indian Overseas Bank are paying interest on the amount deposited at the rate of 6.7 percent to the common citizens on their special FD schemes for 444 days.
• Canara Bank is paying interest at the rate of 6.5 percent to the common citizens on its 444 days of FD Schumum.
• Like SBI, Bank of Baroda is also paying interest for normal customers at a rate of 6.6 percent on special FD of 444 days. That is, the maturity amount for ordinary citizens on investment of Rs 6,66,666 in these schemes will be Rs 7,21,923.33. That is, an interest of Rs 55,257.33 has been received on the deposit amount.
• Similarly, Punjab & Sindh Bank, Indian Bank and Indian Overseas Bank are paying interest to ordinary citizens at a rate of 6.7 percent on the FD scheme of 444-days, so the maturity amount on a deposit of Rs 6,66,666 will be around Rs 7,22,787.67. That is, the interest will earn Rs 56,121.67.
• The maturity amount on an investment of Rs 6,66,666 on 444-day FD scheme at Canara Bank will be around Rs 7,21,059.82, out of which Rs 54,393.82 will be earned from interest.

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Repo Rate Cut: The Reserve Bank of India (RBI) has now reduced the repo rate by 50 basis points to make it 5.50 percent. This year, RBI has reduced the rate rate for the third consecutive time. Due to low repo rate, those people who are already running in the bank or who are thinking about taking a new loan. This is because due to reduced repo rate, the loan becomes cheaper, banks reduce interest rates.

They will suffer loss due to reduced repo rate

However, this is bad news for those who have invested on a fixed deposit (FD) because there is scope to get less returns. Ever since the repo rate is being cut in 2025, the bank FD interest rate is being affected.

The RBI had cut the repo rate by 25 basis points in February and then April this year, after which banks also started reducing interest on FD. According to the report of SBI Research, since February 2025, the FD rates have decreased by 30-70 basis points. Along with low returns on fixed deposits, there has been a decrease in interest rate on savings bank accounts.

What can investors do now?

Interest rates are also expected to decrease on fixed deposits due to reduced repo rate. However, it may take several months now. Many banks are still offering good offers on FD. In such a situation, investors can invest on FD at higher interest rates without losing time. Many banks are still offering 8 percent or more interest on long -term fixed deposits.

Although now most of the small finance banks are offering more interest on FD, but since investing on FD in small financial banks is considered risky, before investing, keep in mind that it comes under the deposit insurance cover of Rs 5 lakh of deposit insurance corporation of India (DICGC).

ICICI Bank and HDFC Bank Cut FD Rates: Two banks of private sectors HDFC and ICICI have cut a 20 basis point for selected tenure above the amount of less than Rs 3 crore on fixed deposits. The revised rates will be implemented on May 27 by ICICI Bank while HDFC has implemented this new rate since 23 May.

Revised rates on fixed deposits of ICICI-

– The interest rate from one year to 15 months has been reduced from 6.70 percent to 6.50 percent.
– The interest rate from 15 months to 18 months has been reduced by 6.60 percent to 6.60 percent.
– The interest rate from 18 months to 2 years has been reduced from 6.85 percent to 7.05 percent.
-2 years from 1 day to five years, the interest rate has been reduced by 6.90 percent to 6.75 percent.
Earlier, from 5 years to 10 years, where it was 6.80 percent of the rate, it has now been reduced to 6.70 percent.
Revised rates on fixed deposits of HDFC-

Fixed buzzing rates have been cut by HDFC Bank in April after a cut of 50 basis points, which is as follows.

From the year to 15 months, the interest rate has been reduced from 6.60 percent to 6.50.
From 18 months to 21 months, the interest rate has been cut from 7.05 percent to 6.85 percent.

After this new amendment, interest rates for people have now been ranging from 3.00 percent to 6.85 percent in HDFC Bank, while the senior citizens will be given interest between 3.50 percent to 7.35 percent. 7.35 percent interest will be available for senior citizens between 15 and 21 months.

Both banks have increased the interest rate given to senior citizens compared to the people. Along with this, it has also been allowed to withdraw the money back by breaking the fixed deposit ahead of time.

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