Fixed Deposits (FDs) remain one of the safest and most popular investment options in India. With interest rates climbing, many banks are now offering attractive returns—some even up to 8.5% per annum for select tenures and customer categories.
Here are the top 5 banks currently offering the highest FD interest rates in India:
1. Bandhan Bank – Up to 8.5% for Senior Citizens
- Regular Rate: 7.40%
- Senior Citizens: 8.50%
- Tenure: 1 to 3 years
- Known for competitive rates and flexible tenures, Bandhan Bank leads the pack with the highest FD rate for senior citizens.
2.RBL Bank – Up to 8.0%
- Regular Rate: 7.20%
- Senior Citizens: 8.0%
- Tenure: 15 to 24 months
- RBL Bank offers attractive rates with monthly interest payout options, ideal for retirees and income-focused investors.
3. IndusInd Bank – Up to 7.50%
- Regular Rate: 7.00%
- Senior Citizens: 7.50%
- Tenure: 1 to 2 years
- With flexible deposit schemes and high safety ratings, IndusInd Bank is a strong choice for medium-term FDs.
4. IDFC First Bank – Up to 7.25%
- Regular Rate: 6.75%
- Senior Citizens: 7.25%
- Tenure: 2 to 3 years
- Offers digital FD booking and early withdrawal options, making it convenient for tech-savvy investors.
5. Federal Bank – Up to 7.20%
- Regular Rate: 6.70%
- Senior Citizens: 7.20%
- Tenure: 999 days
- Federal Bank’s unique 999-day FD is gaining popularity for its balance of high returns and safety.
Key Takeaways
- Senior citizens enjoy up to 1% higher interest across most banks.
- Short-term FDs (1–2 years) currently offer the best rates.
- Always compare tenures and compounding options before investing.
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