Bank FD Rates: There is an atmosphere of confusion in the geographical position of the country and the global market, hence many investors are once again looking for security and stability. The US Russia-Ukraine war is increasing economic concerns around the world. In such an environment, fixed deposits i.e. FDs are attracting people’s attention because they provide better interest without the fluctuations often seen in the equity market.

Which banks are offering the highest interest?

First of all, if we talk about small finance banks, the interest rates on FD vary greatly according to the tenure chosen. For deposits of one to two years, small finance banks are offering the highest interest rate of 8.10 percent, followed by ESAF Small Finance Bank at 7.75% and Suryoday Small Finance Bank at 7.60%.

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Jana Small Finance Bank is also not behind in giving discounts. This bank gives interest up to about 7.30 percent, whereas Ujjivan Small Finance Bank and AU Small Finance Bank give interest at the rate of 7.40% and 7.10% respectively. Also, Equitas Small Finance Bank offers 6.90% interest for this period.

On deposits of two to three years

Suryoday Small Finance Bank is at the forefront with an interest rate of 8.10 percent. After this, ESAF Small Finance Bank gives an interest rate of 7.75 percent, while Jana Small Finance Bank and Utkarsh Small Finance Bank both give an interest rate of 7.50 percent. Equitas Small Finance Bank also offers interest rates of 7.40 percent, AU Small Finance Bank 7.25 percent and Ujjivan Small Finance Bank 7.25 percent.

How much money will you get in three to five years?

Suryoday Small Finance Bank is once again giving the highest return of 7.90 percent. After this, Jana Small Finance Bank is giving returns of 7.77 percent and Ujjivan Small Finance Bank is giving returns of 7.55 percent. Utkarsh Small Finance Bank is giving 7.25 percent, AU Small Finance Bank and Equitas Small Finance Bank are giving 7 percent and ESAF Small Finance Bank is giving 6 percent.

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Fixed Deposit Rates 2026: Amid the Middle East war, there are continuous fluctuations in the stock markets. In such a situation, many investors are increasingly looking for safe ways to earn returns along with keeping their savings safe. Meanwhile, due to assured returns and security of capital, fixed deposits have emerged as a preferred investment option in the market. While, small finance banks are busy in giving maximum interest rates, on the other hand, private and public sector banks are giving low returns.

Know here about the annual interest rates of different banks

1. Jana Small Finance Bank: Up to 8.11 percent per annum

2. Suryoday Small Finance Bank: Up to 8.10 percent per annum

3. Utkarsh Small Finance Bank: Up to 8.10 percent per annum

4. Shivalik Small Finance Bank: Up to 7.80 percent per annum

5. Isaf Small Finance Bank: Up to 7.75 percent per annum

6. Slice Small Finance Bank: Up to 7.75 percent per annum

7. CSB Bank: Up to 7.35 percent per annum

8. SBM Bank India: Up to 7.30 percent per annum

9. Bandhan Bank: Up to 7.25 percent per annum

10. IDFC First Bank: Up to 7.25 percent per annum

11. DCB Bank: Up to 7.25 percent per annum

12. RBL Bank: Up to 7.20 percent per annum

13. Deutsche Bank: Up to 7.00 percent per annum

14. Punjab and Sindh Bank: Up to 6.75 percent per annum

15. Bank of India: Up to 6.70 percent per annum

16. Bank of Maharashtra: Up to 6.65 percent per annum

17. Central Bank of India: Up to 6.65 percent per annum

18. Indian Bank: Up to 6.60 percent per annum

19. Punjab National Bank: Up to 6.60 percent per annum

20. Standard Chartered Bank: Up to 6.60 percent per annum

21. HSBC Bank: Up to 5.50 percent per annum

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Keep these things in mind while choosing FD

Investors should always keep these things in mind while choosing FD. Where, the bank should not be selected only on the basis of interest rates. Along with this, before locking the funds, one should carefully consider the deposit security, need of cash and penalty for premature withdrawal. So, comparing rates across different tenures and bank categories offers the best way to maximize returns while maintaining safety.

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