15 results found

Updated: February 2026

Bank Name Interest Rate Senior Citizen Rate Minimum Amount Action
Suryoday Small Finance Bank Highest Rate
9.10% p.a.
500 days tenure
9.60% p.a. ₹1,000
Utkarsh Small Finance Bank Popular
9.00% p.a.
18 months
9.50% p.a. ₹1,000
Unity Small Finance Bank
9.00% p.a.
1001 days
9.75% p.a. ₹1,000
Equitas Small Finance Bank
8.75% p.a.
3-5 years
9.25% p.a. ₹5,000
Jana Small Finance Bank
8.50% p.a.
3-5 years
9.00% p.a. ₹1,000
AU Small Finance Bank
8.25% p.a.
2-3 years
8.75% p.a. ₹1,000
HDFC Bank Trusted
7.75% p.a.
5 years 1 day
8.25% p.a. ₹5,000
ICICI Bank
7.75% p.a.
15 months - 2 years
8.25% p.a. ₹10,000
Axis Bank
7.60% p.a.
15 months - 2 years
8.10% p.a. ₹5,000
State Bank of India
7.50% p.a.
5-10 years
8.00% p.a. ₹1,000

FD Returns Calculator

Calculate your fixed deposit maturity amount

₹1,00,000

Maturity Amount

₹1,30,477

Total Interest

₹30,477

Effective Yield

9.24%

About Fixed Deposits

Why Invest in Fixed Deposits?

Fixed Deposits offer guaranteed returns with zero risk. Your principal and interest are completely safe, making FDs ideal for conservative investors and senior citizens.

Key Benefits

  • Guaranteed Returns: Fixed interest rate throughout tenure
  • 100% Safe: DICGC insured up to ₹5 lakh per bank
  • Tax Benefits: 5-year tax-saver FDs under Section 80C
  • Flexible Tenure: From 7 days to 10 years
  • Loan Facility: Get loans against FD up to 90%
  • Senior Citizen Benefits: Extra 0.50% interest for 60+ age

Types of Fixed Deposits

  • Regular FD: Standard FDs with flexible tenure
  • Tax Saver FD: 5-year lock-in, tax benefits under 80C
  • Senior Citizen FD: Higher rates for 60+ age
  • Cumulative FD: Interest paid at maturity
  • Non-Cumulative FD: Interest paid monthly/quarterly

Things to Consider

  • Small Finance Banks offer highest rates (8-9%)
  • Scheduled banks offer lower rates but more trust
  • Premature withdrawal allowed with penalty
  • TDS deducted if interest > ₹40,000/year (₹50,000 for seniors)
  • Diversify across multiple banks for insurance coverage
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