Top Scheduled Banks FD Rates
Many scheduled banks are currently offering attractive FD returns across different tenures, especially small finance banks that provide some of the highest rates in the market. Banks like Suryoday, Jana, and Utkarsh Small Finance offer rates of more than 7.5% for a selected period of time.
Senior citizens can get more benefits with additional interest ranging from 0.25% to 0.75%. Comparing these rates helps investors to choose a safe deposit with the best possible returns. Given below are the top ten Scheduled Banks FD Rates:
1. Suryoday Small Finance Bank
Suryoday Small Finance Bank offers fixed deposit rates ranging from 4.00% to 8.05% p.a. for the general public and 4.20% to 8.10% p.a. for senior citizens. The bank provides flexible FD tenures from seven days up to ten years, which allows investors to choose according to their savings goals.
Tenure | Rate (p.a.) |
1 year | 7.40% |
2 years | 7.25% |
3 years | 7.25% |
4 years | 6.75% |
5 years | 8.05% |
Highest Slab | 8.05% (5 years) |
Note: The above-mentioned rates are effective from 8 October 2025
2. Jana Small Finance Bank
Jana Small Finance Bank offers fixed deposit rates from 5.15% to 8.00% p.a. for the general public and senior citizens. The bank provides FD tenures from seven days to ten years. Senior citizens get slightly higher interest, but additional benefits do not apply for deposits less than 180 days or five-year FDs.
Tenure | Rate (p.a.) |
1 year | 7.25% |
2 years | 7.45% |
3 years | 7.50% |
4 years | 7.25% |
5 years | 8.00% |
Highest Slab | 8.00% (5 years) |
Note: The above-mentioned rates are effective from 18 November 2025.
3. Slice Small Finance Bank
Slice Small Finance Bank offers FD rates from 3.50% to 7.75% p.a. for the general public, while senior citizens can earn 3.75% to 7.75% p.a. The bank provides FD tenures from 7 days up to 120 months (10 years), allowing flexibility for short- and long-term savings.
Tenure | Rate (p.a.) |
1 year | 6.25% |
2 years | 7.50% |
3 years | 7.50% |
4 years | 7.00% |
5 years | 7.00% |
Highest Slab | 7.75% (18 months 1 day to 36 months) |
Note: The above-mentioned rates are effective from 17 September 2025.
4. Utkarsh Small Finance Bank
Utkarsh Small Finance Bank offers FD interest rates ranging from 4.00% to 7.65% p.a. for regular investors, while senior citizens can earn between 4.50% and 8.15% p.a. For Tax Saving FDs, the bank provides 7.25% p.a. for the general public and 7.75% p.a. for senior citizens.
Tenure | Rate (p.a.) |
1 year | 6.00% |
2 years | 7.65% |
3 years | 7.50% |
4 years | 7.25% |
5 years | 7.25% |
Highest Slab | 7.65% (for 2 years to 3 years) |
Note: The above-mentioned rates are effective from 6 November 2025.
5. ESAF Small Finance Bank
ESAF Small Finance Bank offers FD rates to the general public from 2.75% p.a. to 7.60% p.a. For senior citizens, it offers a range from 3.35% p.a. to 8.10% p.a. The highest FD rate is 7.60% p.a. at 444 days.
Tenure | Rate (p.a.) |
1 year | 4.75% |
2 years | 7.25% |
3 years | 6.00% |
4 years | 6.00% |
5 years | 5.75% |
Highest Slab | 7.60% (444 days) |
Note: The above-mentioned rates are effective from 18 June 2025.
6. Ujjivan Small Finance Bank
Ujjivan Small Finance Bank offers FD rates ranging from 3.50% p.a. to 7.45% p.a. for the general public. The senior citizen FD rates range from 4.00% p.a. to 7.95% p.a. For Tax Saving FDs, the interest rate is 7.20% per annum for the general public and 7.70% per annum for senior citizens.
Tenure | Rate (p.a.) |
1 year | 7.25% |
2 years | 7.45% |
3 years | 7.20% |
4 years | 7.20% |
5 years | 7.20% |
Highest Slab | 7.45% (for 24 months) |
Note: The above-mentioned rates are effective from 5 August 2025.
7. Equitas Small Finance Bank
Equitas Small Finance Bank FD rates range from 3.50% to 7.30% p.a. for the general public, while senior citizens can earn 4.00% to 7.80% p.a. Fixed deposit tenures start from seven days and go up to ten years. TDS is applicable; partial premature withdrawals may be restricted for certain FDs, and rates are subject to change.
Tenure | Rate (p.a.) |
1 year | 7.00% |
2 years | 7.00% |
3 years | 7.00% |
4 years | 7.00% |
5 years | 7.00% |
Highest Slab | 7.30% (for 888 days) |
Note: The above-mentioned rates are effective from 3 November 2025.
8. RBL Bank
RBL Bank FDs are available for tenures ranging from seven days to ten years, with interest rates from 3.50% to 7.20% p.a. for the general public and 4.00% to 7.70% p.a. for senior citizens. The Tax Saving FD offers 6.70% p.a. for the general public and 7.20% p.a. for senior citizens for five years.
Tenure | Rate (p.a.) |
1 year | 7.00% |
2 years | 7.20% |
3 years | 7.20% |
4 years | 7.00% |
5 years | 6.70% |
Highest Slab | 7.20% (for 18 months to 36 months) |
Note: The above-mentioned rates are effective from 24 September 2025.
9. Bandhan Bank
Bandhan Bank FD rates range from 2.95% to 7.20% p.a. for the general public and 3.70% p.a. to 7.70% p.a. for senior citizens. FD tenures are available from seven days to 10 years. The highest FD rate is 7.20% p.a., which applies for a tenure of two years to less than three years. The 5-year Tax Saver FD offers 6.25% p.a. for the general public and 7.25% p.a. for senior citizens.
Tenure | Rate (p.a.) |
1 year | 7.00% |
2 years | 7.20% |
3 years | 7.00% |
4 years | 7.00% |
5 years | 5.85% |
Highest Slab | 7.20% (for 2 years to less than 3 years) |
Note: The above-mentioned rates are effective from 1 September 2025.
10. DCB Bank
DCB Bank FD rates range from 3.75% to 7.20% p.a. for the general public, with the highest rate applicable for tenures of 37 to 38 months, and from 4.00% to 7.70% p.a. for senior citizens. The 5-year Tax Saving FD offers 7.00% p.a. for the general public and 7.25% p.a. for senior citizens.
Tenure | Rate (p.a.) |
1 year | 6.90% |
2 years | 6.90% |
3 years | 7.00% |
4 years | 7.00% |
5 years | 7.00% |
Highest Slab | 7.20% (37 months to 38 months) |
Note: The above-mentioned rates are effective from 5 August 2025.
Other Scheduled Banks Fixed Deposit Rates
Given below are some more Fixed Deposit interest rates that are offered by various scheduled banks across different tenures:
Banks | Highest FD rate (p.a.) | 1-year FD rate (p.a.) | 3-year FD rate (p.a.) | 5-year FD rate (p.a.) | Additional interest rate for senior citizens (p.a.) |
SBM Bank | 7.25% | 7.00% | 7.10% | 7.00% | 0.50% |
AU Small Finance Bank | 7.10% | 6.35% | 7.10% | 6.75% | 0.50% |
Central Bank of India | 6.75% | 6.40% | 6.25% | 6.25% | 0.50% |
YES Bank | 7.00% | 6.65% | 7.00% | 6.75% | 0.50% to 0.75% |
Induslnd Bank | 7.00% | 6.75% | 6.90% | 6.65% | 0.50% |
Unity Small Finance Bank | 6.75% | 6.50% | 6.75% | 6.75% | 0.50% |
Federal Bank | 6.70% | 6.25% | 6.70% | 6.50% | 0.50% |
Bank of India | 6.60% | 6.25% | 6.25% | 6.00% | 0.50% |
FAQs on Top Scheduled Banks FD Rates
- Which Small Finance Bank offers the highest FD interest rate?
The Suryoday Small Finance Bank offers the highest FD interest rate of 8.05% p.a.
- What fixed deposit rates are offered by the Federal Bank?
The Federal Bank offers FD rates from 3.00% to 6.70% p.a. for general customers and 3.50% to 7.20% p.a. for senior citizens, depending on the tenure.
- Do senior citizens get extra interest on Fixed Deposits?
Yes, most banks offer an additional 0.25% to 0.75% p.a. for senior citizens. Super senior citizens (80+) may get up to 0.80% extra in selected banks.
- Is it safe to invest in Fixed Deposits?
Yes, investing in Fixed Deposits is totally safe and secure because your money is protected by the Deposit Insurance and Credit Guarantee Corporation (DICGC), an RBI subsidiary. It provides insurance coverage of up to Rs.5 lakh per depositor per bank.
- Who is eligible to invest in Fixed Deposits in India?
Indian residents, HUFs, corporate entities, partnerships, associations, trusts, as well as central, state, and local government bodies can invest in Fixed Deposits.
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