{"id":10801,"date":"2025-11-20T08:32:10","date_gmt":"2025-11-20T08:32:10","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10801"},"modified":"2026-02-16T08:48:20","modified_gmt":"2026-02-16T08:48:20","slug":"top-5-banks-with-higher-fixed-deposit-rates-in-india","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/","title":{"rendered":"Top 5 Banks with Higher Fixed Deposit Rates in India 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Fixed deposits remain one of the most preferred savings options in India, especially for investors who value stability over market-linked volatility. With interest rates changing across banks, choosing the right institution can make a meaningful difference to your returns and overall financial security.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To help you compare confidently, we\u2019ve analysed the top banks for fixed deposits, offering FD rates, reliable safety, and flexible tenure options for 2026. Whether you\u2019re a conservative saver or planning long-term goals, this list will guide you toward the best fixed deposit banks in India today.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Fixed_Deposit_Interest_Rates_of_5_Leading_Banks_in_India\" >Fixed Deposit Interest Rates of 5 Leading Banks in India\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#State_Bank_of_India\" >State Bank of India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#HDFC_Bank\" >HDFC Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#ICICI_Bank\" >ICICI Bank\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Bank_of_Baroda\" >Bank of Baroda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Suryoday_Small_Finance_Bank\" >Suryoday Small Finance Bank<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Fixed_Deposit_Interest_Comparison_in_India\" >Fixed Deposit Interest Comparison in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#How_to_Get_the_Highest_FD_Returns_in_2026\" >How to Get the Highest FD Returns in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#FAQs_on_Top_5_Banks_for_Fixed_Deposits\" >FAQs on Top 5 Banks for Fixed Deposits\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#1_How_to_choose_the_best_bank_for_FD\" >1. How to choose the best bank for FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#2_Are_small_finance_banks_safe_banks_for_FD_investment\" >2. Are small finance banks safe banks for FD investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#3_Which_bank_offers_the_highest_FD_returns_currently\" >3. Which bank offers the highest FD returns currently?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#4_What_are_the_top_private_sector_banks_for_fixed_deposits\" >4. What are the top private sector banks for fixed deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#5_Which_bank_is_best_for_a_fixed_deposit\" >5. Which bank is best for a fixed deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#6_Will_FD_rates_increase_in_2026\" >6. Will FD rates increase in 2026?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fixed_Deposit_Interest_Rates_of_5_Leading_Banks_in_India\"><\/span><b>Fixed Deposit Interest Rates of 5 Leading Banks in India\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here\u2019s a list of the top banks for fixed deposits in India:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"State_Bank_of_India\"><\/span><b>State Bank of India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When it comes to finding safe banks for FD investments, SBI generally tops the list. As of 18 November 2025, the highest <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/\"><span style=\"font-weight: 400;\">FD interest rate<\/span><\/a><span style=\"font-weight: 400;\"> for regular depositors is 6.45% for the 2\u20133 year tenure, while senior citizens can earn up to 7.05% for 5\u201310 year deposits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The current FD interest rate applicable on domestic term deposits below 3 Crore are listed below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenure<\/b><\/td>\n<td><b>Regular Interest Rate (p.a.)\u00a0<\/b><\/td>\n<td><b>Senior Citizen Interest Rates (p.a.)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 days to 45 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.55%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46 days to 179 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.90%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">180 days to 210 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.65%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">211 days to less than 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.90%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year to less than 2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years to less than 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40% (highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years to less than 5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.80%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years and up to 10 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05%* (highest)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">*Includes the additional 50 bps applicable under the SBI We-Care deposit scheme.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 5 February 2026 and may change. Please check the latest rates before investing.<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"HDFC_Bank\"><\/span><b>HDFC Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">HDFC is yet another top bank for fixed deposits, offering a range of FD options including domestic deposits, NRO\/NRE FDs, and 5-year tax-saver FDs. As of 18th November 2025, the highest FD rate offered is 6.60% p.a. for regular depositors and 7.10% p.a. for senior citizens.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The current FD interest rates applicable on deposits of less than 3 Crore are listed below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenure<\/b><\/td>\n<td><b>Regular Interest Rate (p.a.)<\/b><\/td>\n<td><b>Senior Citizen Interest Rate (p.a.)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 \u2013 14 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15 \u2013 29 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">30 \u2013 45 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46 \u2013 60 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">61 \u2013 89 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">90 days \u2264 6 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6 months 1 day \u2264 9 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9 months 1 day to &lt; 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year to &lt; 15 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15 months to &lt; 18 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.35%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.85%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18 months to &lt; 21 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.60% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10% (Highest)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">21 months \u2013 2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years 1 day to &lt; 2 years 11 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years 11 months \u2013 35 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years 11 months 1 day \u2264 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years 1 day to &lt; 4 years 7 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4 years 7 months \u2013 55 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4 years 7 months 1 day \u2264 5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years 1 day \u2013 10 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.15%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.65%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 18 Nov 2025 and may change. Please check the latest rates before investing.<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"ICICI_Bank\"><\/span><b>ICICI Bank\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">ICICI Bank is considered one of the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/beyond-big-banks-the-small-finance-bank-fd-playbook-for-better-yields\/\"><span style=\"font-weight: 400;\">best fixed deposit banks<\/span><\/a><span style=\"font-weight: 400;\"> in India, offering a balance of capital safety and high returns.\u00a0 As of 18th November 2025, regular depositors can earn up to 6.60% p.a., while senior citizens can earn up to 7.10% p.a. on deposits of less than 3 Crore.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The table below sums up the FD interest rate applicable for different tenures:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenure<\/b><\/td>\n<td><b>Regular Interest Rates (p.a.)\u00a0<\/b><\/td>\n<td><b>Senior Citizen Interest Rates (p.a.)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 to 45 Days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46 to 90 Days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">91 to 184 Days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">185 Days to &lt; 1 Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 Year to &lt; 18 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18 Months to 2 Years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.4%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 Years 1 Day to 10 Years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.6% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.1% (Highest)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 Years (Tax Saver FD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.6% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.1% (Highest)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 18 Nov 2025 and may change. Please check the latest rates before investing.<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Bank_of_Baroda\"><\/span><b>Bank of Baroda<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bank of Baroda is a leading public sector bank in India that\u2019s preferred by risk-averse investors looking for fixed deposit schemes for long-term savings. Currently, Bank of Baroda\u2019s highest FD interest rates stand at 6.60% p.a. for regular depositors and 7.10% for senior citizens for the 444 days FD scheme.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All current FD rates are outlined below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenure<\/b><\/td>\n<td><b>Residents \/ General Public<\/b><\/td>\n<td><b>Resident Indian Sr. Citizen<\/b><\/td>\n<td><b>Resident Super Senior Citizen<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>7 days to 14 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">3.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>15 days to 45 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">3.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>46 days to 90 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>91 days to 180 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>181 days to 210 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>211 days to 270 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>271 days to &lt; 1 year<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>1 year<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 1 year to 400 days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 400 days to 2 years (excl. 444 days)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 2 years to 3 years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 3 years to 5 years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 5 years to 10 years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 10 years (MACAD only)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>BoB Square Drive Deposit (444 days)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.60% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.20% (Highest)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 18 Nov 2025 and may change. Please check the latest rates before investing.<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank\"><\/span><b>Suryoday Small Finance Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Suryoday Small Finance Bank is one of the top banks for fixed deposits in India is you want higher returns. Currently, Suryoday Small Finance Bank offers the highest FD interest rates on 5-year FDs. Regular citizens can earn up to 8.05% p.a., while senior citizens earn up to 8.10% p.a.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The latest FD interest rates for Suryoday Small Finance Bank are listed below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenure<\/b><\/td>\n<td><b>Interest Rate (p.a.)<\/b><\/td>\n<td><b>Senior Citizen Rate (p.a.)<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>7 Days to 14 Days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>15 Days to 45 Days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">4.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>46 Days to 90 Days<\/b><\/td>\n<td><span style=\"font-weight: 400;\">4.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.70%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>91 Days to 6 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>6 Month 1 Day<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 6 Month 1 Day to 9 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.70%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 9 Months to &lt; 1 Year<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>1 Year<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.60%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 1 Year to 15 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 15 Months to 18 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 18 Months to 2 Years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 2 Years to 30 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 30 Months to 36 Months<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 3 Years to &lt; 5 Years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>5 Years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">8.05% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8.10% (Highest)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Above 5 Years to 10 Years<\/b><\/td>\n<td><span style=\"font-weight: 400;\">7.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.45%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 18 Nov 2025 and may change. Please check the latest rates before investing.<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fixed_Deposit_Interest_Comparison_in_India\"><\/span><b>Fixed Deposit Interest Comparison in India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The following table shows you the fixed deposit interest comparison in detail:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Bank<\/b><\/td>\n<td><b>Regular interest rate<\/b><\/td>\n<td><b>Senior Citizen rate<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SBI<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.05% \u2013 6.45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.55% \u2013 7.05%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">HDFC Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75% \u2013 6.60%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25% \u2013 7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICICI Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75% \u2013 6.60%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.25% \u2013 7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank of Baroda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.50% \u2013 6.60%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00% \u2013 7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00% \u2013 8.05% (Highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.20% \u2013 8.10% (Highest)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of 18 Nov 2025 and may change. Please check the latest rates before investing.<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Get_the_Highest_FD_Returns_in_2026\"><\/span><b>How to Get the Highest FD Returns in 2026?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">By investing in the top banks for fixed deposits, you can earn up to 8.05% p.a. (8.10% if you\u2019re above 60 years) on your investment. You can choose from different investment tenures and FD schemes to match your goals and time horizon.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Head to<\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\"> GoldenPi <\/span><\/a><span style=\"font-weight: 400;\">if your goal is to secure the highest FD returns in 2026. Here, you\u2019ll find top banks and NBFCs like Suryoday Small Finance Bank and Shriram Finance to earn FD earning at up to 8.15% p.a.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Top_5_Banks_for_Fixed_Deposits\"><\/span><b>FAQs on Top 5 Banks for Fixed Deposits\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_How_to_choose_the_best_bank_for_FD\"><\/span><b>1. How to choose the best bank for FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can compare the FD interest rates to find the highest FD interest rates in 2026. Apart from that, you can also review the tenure and premature withdrawal rules needs to find a bank FD that suits your goals.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Are_small_finance_banks_safe_banks_for_FD_investment\"><\/span><b>2. Are small finance banks safe banks for FD investment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, small finance banks are regulated by the RBI and offer <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/everything-you-need-to-know-about-dicgc\/\"><span style=\"font-weight: 400;\">DICGC insurance<\/span><\/a><span style=\"font-weight: 400;\"> up to \u20b95 lakh per depositor. This makes them safe banks for FD investments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since small finance banks typically offer higher rates, investing in their FDs may mean better interest earning potential.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Which_bank_offers_the_highest_FD_returns_currently\"><\/span><b>3. Which bank offers the highest FD returns currently?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of 5th February 2026, the Suryoday Small Finance Bank offers the highest FD returns of 7.90% p.a. (5-year tenure) for both regular citizens and seniors.\u00a0\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_are_the_top_private_sector_banks_for_fixed_deposits\"><\/span><b>4. What are the top private sector banks for fixed deposits?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">HDFC Bank, ICICI Bank and Axis Bank are among the leading private sector banks for FDs. These banks are considered the best fixed deposit banks in India because of their stellar reputation, strong credit profiles, and multiple tenure and scheme options.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Which_bank_is_best_for_a_fixed_deposit\"><\/span><strong>5. Which bank is best for a fixed deposit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The \u201cbest\u201d bank depends on your investment goal and risk appetite. Usually, small finance banks offer higher interest rates as compared to large commercial banks, like SBI, HDFC, ICICI and more. As an investor, you may compare both tenure and interest rates offered before investing.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Will_FD_rates_increase_in_2026\"><\/span><strong>6. Will FD rates increase in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The RBI ended 2025 with cumulative rate cuts of <\/span><a href=\"https:\/\/economictimes.indiatimes.com\/news\/economy\/indicators\/2025-the-year-rbi-used-the-rate-cut-chopper-indian-economy-news\/articleshow\/126139267.cms\"><span style=\"font-weight: 400;\">125 basis points<\/span><\/a><span style=\"font-weight: 400;\">, bringing the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bank-fd\/how-rbis-repo-rate-impacts-fixed-deposit-interest\/\"><span style=\"font-weight: 400;\">repo rate down<\/span><\/a><span style=\"font-weight: 400;\"> from 6.50% to 5.25%. In 2026, it is expected that the repo rate may either remain steady or soften further. Thus, the chances of FD rates increasing look slim.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><b>Disclaimer:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Investments in debt securities\/ municipal debt securities\/ securitised debt instruments are subject to risks, including delay and\/ or default in payment. Read all the offer-related documents carefully<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Latest updated-13-02-2026<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How to choose the best bank for FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To choose the best bank for a fixed deposit, compare FD interest rates to identify competitive returns in 2026. Also review tenure options, premature withdrawal rules, credit profile, and additional features to ensure the FD matches your financial goals.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are small finance banks safe banks for FD investment?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, small finance banks are regulated by the Reserve Bank of India (RBI) and provide DICGC insurance coverage up to \u20b95 lakh per depositor. This makes them safe for FD investments. Since small finance banks often offer higher interest rates, they may provide better earning potential.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which bank offers the highest FD returns currently?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As of 5 February 2026, Suryoday Small Finance Bank offers FD returns of up to 7.90% per annum for a 5-year tenure for both regular and senior citizens. Interest rates are subject to change, so investors should verify current rates before investing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the top private sector banks for fixed deposits?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"HDFC Bank, ICICI Bank, and Axis Bank are among the leading private sector banks for fixed deposits. These banks are known for their strong credit profiles, established reputation, and multiple tenure and scheme options.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which bank is best for a fixed deposit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The best bank for a fixed deposit depends on your financial goals and risk appetite. Small finance banks generally offer higher interest rates, while large commercial banks like SBI, HDFC Bank, and ICICI Bank provide strong stability. Investors should compare tenure options, interest rates, and withdrawal rules before investing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Will FD rates increase in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"After cumulative rate cuts of 125 basis points in 2025, the repo rate reduced from 6.50% to 5.25%. In 2026, the repo rate is expected to remain steady or soften further, making a significant increase in FD rates unlikely. However, rate movements depend on RBI policy decisions.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fixed deposits remain one of the most preferred savings options in India, especially for investors who value stability over market-linked volatility. 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