Latest Fixed Deposit and Recurring Deposit interest rates of all major banks in one place. Last updated: 18 Jul 2026.
Rates for regular citizens. Senior citizens get an additional 0.25%-0.75%.
| Bank | 7-45 Days | 3-6 Months | 1 Year | 2 Year | 3 Year | 5 Year |
|---|---|---|---|---|---|---|
| SBI | 3.50% | 4.75%-5.50% | 6.80% | 7.00% | 6.75% | 6.50% |
| HDFC Bank | 3.50% | 4.50%-5.75% | 6.60% | 7.00% | 7.00% | 7.00% |
| ICICI Bank | 3.50% | 4.75%-6.00% | 6.70% | 7.00% | 7.00% | 7.00% |
| PNB | 3.50% | 4.50%-5.50% | 6.50% | 6.80% | 6.80% | 6.50% |
| Axis Bank | 3.50% | 5.15%-6.00% | 6.70% | 7.10% | 7.10% | 7.00% |
| Canara Bank | 4.00% | 5.25%-5.75% | 6.85% | 6.85% | 6.70% | 6.70% |
| Bank of Baroda | 4.25% | 5.50%-6.25% | 6.85% | 7.00% | 6.80% | 6.50% |
| AU Small Finance | 4.50% | 6.00%-7.00% | 7.25% | 7.50% | 7.50% | 7.25% |
| Kotak Mahindra | 3.50% | 4.50%-6.20% | 7.10% | 7.10% | 7.10% | 6.20% |
| Yes Bank | 4.00% | 5.25%-7.00% | 7.25% | 7.25% | 7.25% | 7.25% |
| IDFC First | 3.50% | 5.00%-6.50% | 6.50% | 7.25% | 7.25% | 7.25% |
| IndusInd Bank | 3.50% | 5.00%-7.00% | 7.50% | 7.25% | 7.25% | 7.00% |
| Scheme | Rate | Tenure | Tax Benefit |
|---|---|---|---|
| PPF | 7.1% | 15 Years | Section 80C - EEE |
| NSC | 7.7% | 5 Years | Section 80C |
| Post Office FD | 6.9%-7.5% | 1-5 Years | 5yr - Section 80C |
| Post Office RD | 6.7% | 5 Years | None |
| MIS | 7.4% | 5 Years | None |
| Senior Citizen Savings | 8.2% | 5 Years | Section 80C |
| Sukanya Samriddhi | 8.2% | 21 Years | Section 80C - EEE |
| Kisan Vikas Patra | 7.5% | 115 Months | None |
Disclaimer: Rates shown here are indicative and may change from time to time. Please check the official website of the respective bank or post office for actual rates. Shronix Technology any financial loss is not liable for any loss.
Banks offer different interest rates on deposits (FDs, RDs, savings) and loans (home, personal, car), and these rates vary from bank to bank and change over time as the RBI adjusts its policy rates. Comparing rates before you deposit or borrow can make a meaningful difference to your returns or costs.
Deposit rates tell you how much a bank will pay you for keeping money with it, while loan rates tell you what it charges to lend. Generally, longer FD tenures and senior-citizen status earn higher deposit rates, while a strong credit score earns lower loan rates.
This page helps you compare current rates across banks in one place, so you can pick the best FD for your savings or the cheapest loan for your needs. Even a 0.5% difference on a large deposit or loan adds up to a significant amount over several years.
Each bank sets rates based on its funding costs, strategy and the RBI's policy rates, so they vary and change over time.
Deposit and loan rates are revised periodically, especially after RBI policy changes.