{"id":10801,"date":"2025-11-20T08:32:10","date_gmt":"2025-11-20T08:32:10","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10801"},"modified":"2026-04-15T07:15:09","modified_gmt":"2026-04-15T07:15:09","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>Which <b data-path-to-node=\"9\" data-index-in-node=\"6\">banks with higher fixed deposit rates<\/b> should you trust with your savings in 2026? While the RBI has recently signaled a softer repo rate environment, savvy investors can still lock in yields of up to 8.05% by choosing the right institution. Fixed deposits remain the gold standard for capital safety in India, but the gap between a standard commercial bank and a high-yield Small Finance Bank (SFB) can be as much as 2% per annum.<\/p>\n<p>Whether you value the &#8220;too big to fail&#8221; security of a public sector bank or the aggressive returns of an SFB, our updated 2026 analysis guides you toward the best fixed deposit banks in India today.<\/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\/#Top_5_Banks_with_Higher_FD_Rates_in_2026\" >Top 5 Banks with Higher FD Rates in 2026:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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\/#Fixed_Deposit_Interest_Rates_of_5_Leading_Banks_in_India\" >Fixed Deposit Interest Rates of 5 Leading Banks in India\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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\/#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-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-banks-with-higher-fixed-deposit-rates-in-india\/#Summary_Comparison_April_2026\" >Summary Comparison (April 2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><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\/#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-6\" 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><\/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\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Top_5_Banks_with_Higher_FD_Rates_in_2026\"><\/span>Top 5 Banks with Higher FD Rates in 2026:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"pcrstb-wrap\"><table data-path-to-node=\"13\">\n<thead>\n<tr>\n<td><strong>Bank Name<\/strong><\/td>\n<td><strong>Highest Regular Rate<\/strong><\/td>\n<td><strong>Highest Senior Citizen Rate<\/strong><\/td>\n<td><strong>Best Tenure for Max Yield<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"13,1,0,0\"><b data-path-to-node=\"13,1,0,0\" data-index-in-node=\"0\">Suryoday SFB<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,1,1,0\"><b data-path-to-node=\"13,1,1,0\" data-index-in-node=\"0\">8.05%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,1,2,0\"><b data-path-to-node=\"13,1,2,0\" data-index-in-node=\"0\">8.10%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,1,3,0\">5 Years<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"13,2,0,0\"><b data-path-to-node=\"13,2,0,0\" data-index-in-node=\"0\">Bank of Baroda<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,2,1,0\">6.60%<\/span><\/td>\n<td><span data-path-to-node=\"13,2,2,0\">7.10%<\/span><\/td>\n<td><span data-path-to-node=\"13,2,3,0\">444 Days (Square Drive)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"13,3,0,0\"><b data-path-to-node=\"13,3,0,0\" data-index-in-node=\"0\">ICICI Bank<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,3,1,0\">6.60%<\/span><\/td>\n<td><span data-path-to-node=\"13,3,2,0\">7.10%<\/span><\/td>\n<td><span data-path-to-node=\"13,3,3,0\">2 Years 1 Day to 10 Years<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"13,4,0,0\"><b data-path-to-node=\"13,4,0,0\" data-index-in-node=\"0\">HDFC Bank<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,4,1,0\">6.60%<\/span><\/td>\n<td><span data-path-to-node=\"13,4,2,0\">7.10%<\/span><\/td>\n<td><span data-path-to-node=\"13,4,3,0\">18 to 21 Months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"13,5,0,0\"><b data-path-to-node=\"13,5,0,0\" data-index-in-node=\"0\">State Bank of India<\/b><\/span><\/td>\n<td><span data-path-to-node=\"13,5,1,0\">6.45%<\/span><\/td>\n<td><span data-path-to-node=\"13,5,2,0\">7.05%<\/span><\/td>\n<td><span data-path-to-node=\"13,5,3,0\">2 to 3 Years<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/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><b>State Bank of India<\/b><\/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 <a href=\"https:\/\/goldenpi.com\/blog\/senior-citizen\/disadvantages-of-the-senior-citizen-savings-scheme\/\">senior citizens<\/a> 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 data-path-to-node=\"4\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Regular Interest Rate (p.a.)<\/strong><\/td>\n<td><strong>Senior Citizen Rate (p.a.)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"4,1,0,0\">7 days to 45 days<\/span><\/td>\n<td><span data-path-to-node=\"4,1,1,0\">3.05%<\/span><\/td>\n<td><span data-path-to-node=\"4,1,2,0\">3.55%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,2,0,0\">46 days to 179 days<\/span><\/td>\n<td><span data-path-to-node=\"4,2,1,0\">5.25%<\/span><\/td>\n<td><span data-path-to-node=\"4,2,2,0\">5.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,3,0,0\">180 days to 210 days<\/span><\/td>\n<td><span data-path-to-node=\"4,3,1,0\">6.05%<\/span><\/td>\n<td><span data-path-to-node=\"4,3,2,0\">6.55%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,4,0,0\">211 days to &lt; 1 year<\/span><\/td>\n<td><span data-path-to-node=\"4,4,1,0\">6.35%<\/span><\/td>\n<td><span data-path-to-node=\"4,4,2,0\">6.85%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,5,0,0\">1 year to &lt; 2 years<\/span><\/td>\n<td><span data-path-to-node=\"4,5,1,0\">6.60%<\/span><\/td>\n<td><span data-path-to-node=\"4,5,2,0\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,6,0,0\"><b data-path-to-node=\"4,6,0,0\" data-index-in-node=\"0\">2 years to &lt; 3 years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,6,1,0\"><b data-path-to-node=\"4,6,1,0\" data-index-in-node=\"0\">6.60% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,6,2,0\"><b data-path-to-node=\"4,6,2,0\" data-index-in-node=\"0\">7.10%<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,7,0,0\">3 years to &lt; 5 years<\/span><\/td>\n<td><span data-path-to-node=\"4,7,1,0\">6.25%<\/span><\/td>\n<td><span data-path-to-node=\"4,7,2,0\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,8,0,0\">5 years to 10 years<\/span><\/td>\n<td><span data-path-to-node=\"4,8,1,0\">6.35%<\/span><\/td>\n<td><span data-path-to-node=\"4,8,2,0\">6.85%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,9,0,0\"><b data-path-to-node=\"4,9,0,0\" data-index-in-node=\"0\">Amrit Vrishti (444 Days)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,9,1,0\"><b data-path-to-node=\"4,9,1,0\" data-index-in-node=\"0\">6.60%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,9,2,0\"><b data-path-to-node=\"4,9,2,0\" data-index-in-node=\"0\">7.10% (Highest)<\/b><\/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 Apr 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><b>HDFC Bank<\/b><\/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<a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\"> FD rate<\/a> 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 data-path-to-node=\"8\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Regular Interest Rate (p.a.)<\/strong><\/td>\n<td><strong>Senior Citizen Rate (p.a.)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"8,1,0,0\">7 \u2013 29 days<\/span><\/td>\n<td><span data-path-to-node=\"8,1,1,0\">2.75%<\/span><\/td>\n<td><span data-path-to-node=\"8,1,2,0\">3.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,2,0,0\">30 \u2013 45 days<\/span><\/td>\n<td><span data-path-to-node=\"8,2,1,0\">3.25%<\/span><\/td>\n<td><span data-path-to-node=\"8,2,2,0\">3.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,3,0,0\">46 days \u2013 6 months<\/span><\/td>\n<td><span data-path-to-node=\"8,3,1,0\">4.25%<\/span><\/td>\n<td><span data-path-to-node=\"8,3,2,0\">4.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,4,0,0\">6 months 1 day to 9 months<\/span><\/td>\n<td><span data-path-to-node=\"8,4,1,0\">5.50%<\/span><\/td>\n<td><span data-path-to-node=\"8,4,2,0\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,5,0,0\">9 months 1 day to &lt; 1 year<\/span><\/td>\n<td><span data-path-to-node=\"8,5,1,0\">5.75%<\/span><\/td>\n<td><span data-path-to-node=\"8,5,2,0\">6.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,6,0,0\">1 year to &lt; 15 months<\/span><\/td>\n<td><span data-path-to-node=\"8,6,1,0\">6.25%<\/span><\/td>\n<td><span data-path-to-node=\"8,6,2,0\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,7,0,0\">15 months to &lt; 18 months<\/span><\/td>\n<td><span data-path-to-node=\"8,7,1,0\">6.35%<\/span><\/td>\n<td><span data-path-to-node=\"8,7,2,0\">6.85%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,8,0,0\"><b data-path-to-node=\"8,8,0,0\" data-index-in-node=\"0\">18 months to &lt; 21 months<\/b><\/span><\/td>\n<td><span data-path-to-node=\"8,8,1,0\"><b data-path-to-node=\"8,8,1,0\" data-index-in-node=\"0\">6.45% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"8,8,2,0\"><b data-path-to-node=\"8,8,2,0\" data-index-in-node=\"0\">6.95% (Highest)<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,9,0,0\">21 months to 3 years<\/span><\/td>\n<td><span data-path-to-node=\"8,9,1,0\">6.45%<\/span><\/td>\n<td><span data-path-to-node=\"8,9,2,0\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,10,0,0\">3 years 1 day to 5 years<\/span><\/td>\n<td><span data-path-to-node=\"8,10,1,0\">6.40%<\/span><\/td>\n<td><span data-path-to-node=\"8,10,2,0\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"8,11,0,0\">5 years 1 day to 10 years<\/span><\/td>\n<td><span data-path-to-node=\"8,11,1,0\">6.15%<\/span><\/td>\n<td><span data-path-to-node=\"8,11,2,0\">6.65%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of Apr 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><b>ICICI Bank\u00a0<\/b><\/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 data-path-to-node=\"12\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Regular Interest Rate (p.a.)<\/strong><\/td>\n<td><strong>Senior Citizen Rate (p.a.)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"12,1,0,0\">7 days to 45 days<\/span><\/td>\n<td><span data-path-to-node=\"12,1,1,0\">2.75%<\/span><\/td>\n<td><span data-path-to-node=\"12,1,2,0\">3.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,2,0,0\">46 days to 90 days<\/span><\/td>\n<td><span data-path-to-node=\"12,2,1,0\">4.00%<\/span><\/td>\n<td><span data-path-to-node=\"12,2,2,0\">4.50%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,3,0,0\">185 days to &lt; 1 year<\/span><\/td>\n<td><span data-path-to-node=\"12,3,1,0\">5.50%<\/span><\/td>\n<td><span data-path-to-node=\"12,3,2,0\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,4,0,0\">1 year to &lt; 18 months<\/span><\/td>\n<td><span data-path-to-node=\"12,4,1,0\">6.25%<\/span><\/td>\n<td><span data-path-to-node=\"12,4,2,0\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,5,0,0\">18 months to 2 years<\/span><\/td>\n<td><span data-path-to-node=\"12,5,1,0\">6.30%<\/span><\/td>\n<td><span data-path-to-node=\"12,5,2,0\">6.80%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,6,0,0\"><b data-path-to-node=\"12,6,0,0\" data-index-in-node=\"0\">2 years 1 day to 3 years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"12,6,1,0\"><b data-path-to-node=\"12,6,1,0\" data-index-in-node=\"0\">6.45%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"12,6,2,0\"><b data-path-to-node=\"12,6,2,0\" data-index-in-node=\"0\">6.95%<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,7,0,0\"><b data-path-to-node=\"12,7,0,0\" data-index-in-node=\"0\">3 years 1 day to 5 years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"12,7,1,0\"><b data-path-to-node=\"12,7,1,0\" data-index-in-node=\"0\">6.50% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"12,7,2,0\"><b data-path-to-node=\"12,7,2,0\" data-index-in-node=\"0\">7.10% (Highest)<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"12,8,0,0\">5 years 1 day to 10 years<\/span><\/td>\n<td><span data-path-to-node=\"12,8,1,0\">6.50%<\/span><\/td>\n<td><span data-path-to-node=\"12,8,2,0\">7.00%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of Apr 2026 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><b>Bank of Baroda<\/b><\/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 data-path-to-node=\"16\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Regular Interest Rate (p.a.)<\/strong><\/td>\n<td><strong>Senior Citizen Rate (p.a.)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"16,1,0,0\">7 days to 45 days<\/span><\/td>\n<td><span data-path-to-node=\"16,1,1,0\">4.25%<\/span><\/td>\n<td><span data-path-to-node=\"16,1,2,0\">4.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,2,0,0\">46 days to 180 days<\/span><\/td>\n<td><span data-path-to-node=\"16,2,1,0\">5.50%<\/span><\/td>\n<td><span data-path-to-node=\"16,2,2,0\">6.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,3,0,0\">181 days to 270 days<\/span><\/td>\n<td><span data-path-to-node=\"16,3,1,0\">5.75%<\/span><\/td>\n<td><span data-path-to-node=\"16,3,2,0\">6.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,4,0,0\">1 year<\/span><\/td>\n<td><span data-path-to-node=\"16,4,1,0\">6.85%<\/span><\/td>\n<td><span data-path-to-node=\"16,4,2,0\">7.35%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,5,0,0\"><b data-path-to-node=\"16,5,0,0\" data-index-in-node=\"0\">444 Days (bob Square)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,5,1,0\"><b data-path-to-node=\"16,5,1,0\" data-index-in-node=\"0\">7.15% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,5,2,0\"><b data-path-to-node=\"16,5,2,0\" data-index-in-node=\"0\">7.65% (Highest)<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,6,0,0\"><b data-path-to-node=\"16,6,0,0\" data-index-in-node=\"0\">2 years to 3 years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,6,1,0\"><b data-path-to-node=\"16,6,1,0\" data-index-in-node=\"0\">7.15% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,6,2,0\"><b data-path-to-node=\"16,6,2,0\" data-index-in-node=\"0\">7.65% (Highest)<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,7,0,0\">Above 5 years to 10 years<\/span><\/td>\n<td><span data-path-to-node=\"16,7,1,0\">6.50%<\/span><\/td>\n<td><span data-path-to-node=\"16,7,2,0\">7.50%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of Apr 2026 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><b>Suryoday Small Finance Bank<\/b><\/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 data-path-to-node=\"20\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Regular Interest Rate (p.a.)<\/strong><\/td>\n<td><strong>Senior Citizen Rate (p.a.)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"20,1,0,0\">7 days to 14 days<\/span><\/td>\n<td><span data-path-to-node=\"20,1,1,0\">4.00%<\/span><\/td>\n<td><span data-path-to-node=\"20,1,2,0\">4.15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"20,2,0,0\">1 year<\/span><\/td>\n<td><span data-path-to-node=\"20,2,1,0\">7.25%<\/span><\/td>\n<td><span data-path-to-node=\"20,2,2,0\">7.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"20,3,0,0\">18 months<\/span><\/td>\n<td><span data-path-to-node=\"20,3,1,0\">7.60%<\/span><\/td>\n<td><span data-path-to-node=\"20,3,2,0\">7.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"20,4,0,0\"><b data-path-to-node=\"20,4,0,0\" data-index-in-node=\"0\">30 months (2.5 Years)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"20,4,1,0\"><b data-path-to-node=\"20,4,1,0\" data-index-in-node=\"0\">8.10% (Highest)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"20,4,2,0\"><b data-path-to-node=\"20,4,2,0\" data-index-in-node=\"0\">8.25% (Highest)<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"20,5,0,0\"><b data-path-to-node=\"20,5,0,0\" data-index-in-node=\"0\">5 years (Tax Saver)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"20,5,1,0\"><b data-path-to-node=\"20,5,1,0\" data-index-in-node=\"0\">7.90%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"20,5,2,0\"><b data-path-to-node=\"20,5,2,0\" data-index-in-node=\"0\">8.05%<\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Rates valid as of Apr 2026 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 Apr 2026 and may change. Please check the latest rates before investing.<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_Comparison_April_2026\"><\/span>Summary Comparison (April 2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"pcrstb-wrap\"><table data-path-to-node=\"24\">\n<thead>\n<tr>\n<td><strong>Bank<\/strong><\/td>\n<td><strong>Regular Highest Rate<\/strong><\/td>\n<td><strong>Senior Citizen Highest Rate<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"24,1,0,0\"><b data-path-to-node=\"24,1,0,0\" data-index-in-node=\"0\">SBI<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,1,1,0\">6.60%<\/span><\/td>\n<td><span data-path-to-node=\"24,1,2,0\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"24,2,0,0\"><b data-path-to-node=\"24,2,0,0\" data-index-in-node=\"0\">HDFC Bank<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,2,1,0\">6.45%<\/span><\/td>\n<td><span data-path-to-node=\"24,2,2,0\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"24,3,0,0\"><b data-path-to-node=\"24,3,0,0\" data-index-in-node=\"0\">ICICI Bank<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,3,1,0\">6.50%<\/span><\/td>\n<td><span data-path-to-node=\"24,3,2,0\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"24,4,0,0\"><b data-path-to-node=\"24,4,0,0\" data-index-in-node=\"0\">Bank of Baroda<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,4,1,0\">7.15%<\/span><\/td>\n<td><span data-path-to-node=\"24,4,2,0\">7.65%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"24,5,0,0\"><b data-path-to-node=\"24,5,0,0\" data-index-in-node=\"0\">Suryoday SFB<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,5,1,0\"><b data-path-to-node=\"24,5,1,0\" data-index-in-node=\"0\">8.10%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"24,5,2,0\"><b data-path-to-node=\"24,5,2,0\" data-index-in-node=\"0\">8.25%<\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\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 <a href=\"https:\/\/goldenpi.com\/fixed-deposits\">banks for fixed deposits<\/a>, 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><b>1. How to choose the best bank for FD?<\/b><\/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><b>2. Are small finance banks safe banks for FD investment?<\/b><\/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><b>3. Which bank offers the highest FD returns currently?<\/b><\/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><b>4. What are the top private sector banks for fixed deposits?<\/b><\/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><strong>5. Which bank offers the highest FD returns currently?<\/strong><\/h3>\n<p>As of early 2026, <b data-path-to-node=\"16\" data-index-in-node=\"70\">Suryoday Small Finance Bank<\/b> offers one of the highest FD returns in India, reaching up to <b data-path-to-node=\"16\" data-index-in-node=\"160\">8.05% p.a.<\/b> for regular citizens and <b data-path-to-node=\"16\" data-index-in-node=\"196\">8.10% p.a.<\/b> for senior citizens on a 5-year tenure. Other high-yield contenders like Shriram Finance (NBFC) also offer competitive rates near 8.15% p.a.<\/p>\n<h3><strong>6. Will FD rates increase in 2026?<\/strong><\/h3>\n<p>The likelihood of a significant hike is slim. Following cumulative <a href=\"https:\/\/indbiz.gov.in\/rbi-ends-2025-with-sharp-growth-pivot-after-most-aggressive-rate-cuts-since-2019\/\"><b data-path-to-node=\"17\" data-index-in-node=\"99\">repo rate cuts of 125 basis points<\/b><\/a> in late 2025, the market is currently in a &#8220;softening&#8221; phase. Investors are encouraged to lock in current higher rates before further downward adjustments occur.<\/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. 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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>Which banks with higher fixed deposit rates should you trust with your savings in 2026? While the RBI has recently signaled a&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[836,837,838,839,840,841,842,843,883,884,885],"class_list":["post-10801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-best-fixed-deposit-banks-india","tag-high-interest-fd-rates-2026","tag-top-banks-for-fixed-deposits","tag-safe-banks-for-fd-investment","tag-fixed-deposit-interest-comparison-india","tag-how-to-choose-the-best-fd-bank","tag-banks-offering-highest-fd-returns-2026","tag-fixed-deposit-schemes-for-long-term-savings","tag-best-bank-for-fd-in-india","tag-highest-fd-return-bank","tag-highest-fd-interest-rates-2026"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Banks with Higher Fixed Deposit Rates in India (2026 List)<\/title>\n<meta name=\"description\" content=\"Discover the top 5 banks offering the highest fixed deposit rates in India. 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