Highest FD Rates in India (2026)
Big banks pay 6.5–7%. Small finance banks pay 8–9%. This page ranks the best FD rates in India so you can pick the right balance of safety and return.
Compare by Bank
🏦
SBI
India's largest PSU — safe and steady.
🏦HDFC
India's largest private bank — best digital experience.
🏦ICICI
Strong digital platform with frequent offers.
🏦Axis
Aggressive rates, often 0.25%+ above peers.
🏦Senior Citizen (All Banks)
Senior citizen bonus (0.50% extra) compared across banks.
🏦5-Year Tax-Saver
Section 80C tax-saver FD rate comparison.
Top FD Rates (General Public, 1–3 Year)
| Bank | 1 Year | 3 Year | 5 Year | Senior Citizen | Verdict |
|---|---|---|---|---|---|
| SBI | 6.50% | 6.50% | 6.50% | +0.50% | Safest |
| HDFC Bank | 6.60% | 7.00% | 7.00% | +0.50% | Reliable |
| Ujjivan SFB | 7.75% | 8.05% | 7.75% | +0.50% | Best Small Bank |
| Shriram Finance | 8.03% | 8.47% | 8.50% | +0.50% | Highest Rate |