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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Fixed Deposit Interest Rate: When any person accumulates some amount, then it is deposited in the bank in the form of FD, thinking about the future. The consumer also gets interest on this FD due to which when we withdraw this amount after many years, we get more money. Are you also sure that you should keep some amount in fixed deposit, so that that money will help you in the future. So here we tell you the interest rates of some banks, which will make it easier for you to decide in which bank you should deposit your money as FD.

Small Finance Bank Interest Rates
First of all, let’s talk about the interest rates received from small banks. For example, Suryoday Small Finance Bank is giving 8.10 percent interest on FD for 30 months. Which is 8.25 percent for senior citizens. Whereas Shivalik Small Finance Bank is ready to give 7.80 percent interest for 21 months to 22 months. This interest rate for senior citizens is 8.30 percent. Jana Small Finance Bank is offering an interest rate of 7.77 percent on breaking FD anytime between 3 years, 1 day to 5 years. However, this bank is not providing any benefit to senior citizens.

Private bank interest rates
The interest rates of every bank are different. If you think that you will get good interest rate by making FD in private banks, then first know the interest rate. IDFC First Banat is offering 7.40 percent interest for 390 days FD. Whereas for senior citizens this interest rate is 7.90 percent. RBL Bank is offering 7.20 percent interest rate for 18 months to 36 months. This rate has been increased to 7.70 percent for senior citizens. If we look at the interest rate of Yes Bank, it is giving you an interest rate of 7 percent above 36 months and below 60 months. Which is 7.75 percent for senior citizens. The interest rate of ICICI Bank and HDFC Bank is equal to 6.50 percent. So for senior citizens this interest rate is 7.10 and 7 percent.

Interest rates of public sector banks
Public sector banks also have their own interest rates. Their tenure is quite attractive like 666 days, 444 days, 555 days like this. For example, Punjab and Sindh Bank is giving interest of 6.75 percent for 666 days. Which is 7.25 percent for senior citizens. Apart from this, Indian Overseas Bank, Punjab National Bank, Canara Bank and Bank of India are offering equal interest rate of 6.60 percent. So all these banks are giving 7.10 percent interest to senior citizens. However, the tenure of all of them is different.

In which bank to get FD done?
After seeing the interest rates of these banks, everyone should take this decision thoughtfully. Fixed deposits should be made only in the bank from which they get good interest rates. Interest rates up to 8% definitely make FD attractive, but before investing, you should always take this risk after thinking carefully about your financial needs, goals and risk appetite.