Bank FD Interest Rates: Indian investors like schemes that provide safe investment and better returns. Bank FD is one of them. By depositing lump sum amount in bank FD, investors earn fixed returns and their money also remains safe. If you are also planning to invest your money in bank FD, then you must get information about the interest rates of different banks.

Also, the monetary policy meeting of RBI is going to start from today, December 3. In which decision regarding repo rate will be taken. This decision may also affect your FD interest rates. Therefore, before investing, you should take a decision only after getting information about the interest rates of different banks.

1. FD in State Bank of India

The country’s largest government bank SBI is offering different interest rates on fixed deposits to its customers according to the tenure. 6.25 percent interest is available on one year FD, while the rate on two year period is 6.45 percent. The interest rate on three and four year FD is 6.30 percent and on choosing 5 year FD, the interest rate is 6.05 percent.

2. FD in ICICI Bank

According to the current FD interest rates of ICICI Bank, 6.25 percent interest is available on 1 year FD, while the rate on 2 year deposit is 6.40 percent. The bank is offering 6.60 percent return on FD of 3, 4 and 5 years.

3. FD in HDFC Bank

HDFC Bank is offering 6.25 percent interest on 1 year FD to its customers. The bank is giving 6.45 percent return on deposits of 2 and 3 years. Whereas for FD of 4 and 5 years the interest rate is available at 6.40 percent.

Disclaimer: (The information provided here is being given for information only. It is important to mention here that investment in the market is subject to market risks. Always take expert advice before investing money as an investor. ABPLive.com never advises anyone to invest money here.)

Also read: Never take personal loan for these purposes, otherwise your financial health may deteriorate.

Fixed Deposit Interest Rate: Fixed Deposit (FD) has always been one of the preferred investment options for Indian investors and at a time when the Indian stock market remains uncertainty, FD can prove to be a certain and a better means of risk free returns. Indian investors still express their confidence in fixed deposits and banks also give changes in interest rates from time to time and give investors a chance to earn better returns.

Currently, big banks of the country like State Bank of India (SBI), Punjab National Bank (PNB), ICICI Bank, HDFC Bank and Bank of Baroda are providing good interest rates to their customers. If you are also thinking about a safe investment option, then you can get FD done in these 5 banks. Also, you can avail attractive interest rates.

Bank’s interest rates on FD

SBI Fixed Deposit Interest Rate: Talking about SBI FD interest rates, the bank is giving 3.05% to 6.60% for ordinary citizens, 3.55% to 7.10% for senior citizens, the highest rate 6.60% (common citizen) and 7.10% (senior citizens), 444 days Amrit Vrishti is giving to its customers on special FD.

Panjab National Bank Fixed Deposit Interest Rate: Punjab National Bank has fixed 3% to 6.60% for common citizens and 3.50% to 7.10% for senior citizens. At the same time, FD is providing 6.6% to ordinary citizens and 7.10 percent to senior citizens on 390 days FD.

ICICI Bank Fixed Deposit Interest Rate: If you get your FD done in ICICI Bank, then you can get interest of 2.75 percent to 6.60 percent on your deposit, while senior citizens can get 3.25 percent to 7.1% percent. If you do FD from 2 years 1 day to 10 years, then it is giving an interest rate of 6.6 percent to ordinary citizens and 7.1 percent to senior citizens.

Bank of baroda fixed deposit interest rate: Bank of Baroda gives 6.6 percent interest rates to ordinary citizens and 7.10 percent to senior citizens for 444 days FD. At the same time, 3.50 percent to 6.60 percent is providing interest rates to the common people and 4% to 7.10% to senior citizens.

HDFC Bank Fixed Deposit Interest Rate: HDFC Bank is also giving attractive FD interest rates to its customers. This private sector bank is offering interest rates ranging from 2.75 percent to 6.60 percent for ordinary citizens, while senior citizens can get interest ranging from 3.25 percent to 7.10 percent on FD. HDFC Bank is giving 6.6 percent to ordinary citizens and 7.10 percent to ordinary citizens on short time FDs from 18 months to 21 months.

FD in bank is very easy

It is very easy to open an FD account in any government or private bank. You can open an FD account by going to any of your nearest bank branch or you can start FD only through Net Banking/Mobile App by staying at home. To do this, you must have a savings account in the concerned bank. If your savings account is already in the bank, then you can start your FD by filling the amount, duration and person’s name in form.

(Source of Interest: Banks’ website, till 25 September 2025)

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