Best FD Rates For 2 Years 2026
There are a number of banks and Non-Banking Financial Companies (NBFC) that offer good fixed deposit rates on the 2-year tenure. Term deposits are a great investment option as they come with a wide range of benefits such as guaranteed returns, premature withdrawal facility, loan, and nomination facility, among others.
All senior citizens are eligible to avail an additional rate of interest on time deposits.
Fixed Deposits with Highest Interest for 2-Year Tenure in 2026
Bank | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
Suryoday Small Finance Bank FD | 7.25% | 7.45% |
Utkarsh Small Finance Bank FD | 7.50% | 8.00% |
AU Small Finance Bank FD | 6.90% | 7.40% |
Jana Small Finance Bank FD | 7.25% | 7.75% |
RBL Bank FD | 7.20% | 7.70% |
Mahindra Finance FD | 7.00% | 7.25% |
ESAF Bank FD | 7.25% | 7.75% |
Bandhan Bank FD | 7.20% | 7.70% |
DCB Bank FD | 6.90% | 7.15% |
Sundaram Finance FD | 6.78% | 7.25% |
Capital Small Finance Bank FD | 6.90% | 7.40% |
IndusInd Bank FD | 6.90% | 7.40% |
*Interest rates are revised from time to time by banks and financial institutions at their discretion
Top 10 FD Rates for 2-Year Tenure – Highlights
- Banks and NBFCs offer FDs with a two-year tenure at attractive interest rates.
- Senior citizens are provided an additional interest rate of up to 0.50%.
- The highest interest rate is offered by Utkarsh Small Finance Bank.
List of Best FD schemes for 2 years
Utkarsh Small Finance Bank
- This bank offers the highest interest rate currently for FDs in the two-year tenure.
- The rate of interest offered to general public is 7.50% p.a.
- For senior citizens the applicable interest rate is 8.00% p.a.
AU Small Finance Bank
- General public are offered 6.90% p.a. for investing in two-year FDs
- The bank offer individuals' facilities like premature withdrawal, nomination, and loans on FDs
- The option of joint account is also made available by AU Small Finance Bank
- Fincare Small Bank was merged with AU Small Bank effective from 1 April 2024.
Suryoday Small Finance Bank
- Suryoday Small Finance Bank offers different interest payout options and has a wide range of time deposit options.
- The bank offers an interest rate of 7.25% p.a. to regular depositors
- Senior citizens are offered an interest rate of 7.47% p.a.
- In case of premature withdrawal, 1% charge is applicable
- The bank provides a minimum tenure of seven days and a maximum of ten years
ESAF Small Finance Bank
- The interest rates are applicable for all time deposits with a value of less than Rs.2 crore.
- The bank offers an interest of 8.50% p.a. for general citizens
- Senior citizens are paid an interest of 9.00% p.a.
- Various benefits like loan and overdraft is provided to individuals by the NBFC
FAQs on 2 Year Tenure FD Rates
- What is the maximum tenure of the FD scheme that is offered by KTDFC?
The maximum tenure of the FD scheme that is offered by KTDFC is 5 years.
- Can nominees be added to the FD account?
Yes, nominees can be added to the FD account.
- Is TDS applicable on FDs?
Yes, TDS is applicable on FDs.
- Can I avail a loan against the amount that is available in the FD account?
Certain banks and NBFCs allow you to avail a loan against the amount that is available in the FD account.
- Can I open a joint account?
Yes, certain banks and NBFCs allow you to open a joint account.
Disclaimer
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2026 BankBazaar.com.