Compare FD rates from Indian banks and NBFCs. Senior citizen rates, tax-saving FDs, and corporate deposits — all in one place.
Full catalogue
Every bank + NBFC. Filter by rate, tenure, senior-citizen bonus, DICGC coverage. Auto-renewal flagged.
Unity Small Finance Bank raises 2-year FD to 9.60%
Highest rate in 2-year tenure right now. DICGC insured up to ₹5L. AAA-rated.
RBI repo rate held at 6.50% — next review 5 June
FD rates unlikely to rise further. Lock long tenures now before anticipated cuts in H2 2026.
Source: RBI MPC minutes
SBI special 'Amrit Vrishti' 400-day FD at 7.25%
Limited-period scheme ends 30 June. Senior citizens get 7.75%. Standalone tenure — not renewed automatically.
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AU Small Finance Bank
Editorial
Fixed Deposits · 26 May 2026
Yes, FD interest is fully taxable at your income tax slab rate. TDS of 10% kicks in above ₹40K/year (₹50K for seniors). Submit Form 15G/15H to avoid TDS if your total income is below taxable limit.
By InvestingPro Banking Desk
Fixed Deposits · 24 May 2026
Indian banks apply two penalties on premature FD withdrawal: an interest rate cut + a 0.5-1.0% penalty rate on top. Real 2026 penalty schedules for 10 banks + the 3 ways to avoid the penalty entirely.
By InvestingPro Banking Desk
Fixed Deposits · 24 May 2026
Small Finance Banks lead NRE FD rates at 7.5-8.5%. Top private banks (HDFC/ICICI/Axis) sit at 6.5-7.0%. Real 2026 rates for 15 banks compared + DICGC ₹5L safety + tax-free repatriation rules.
By InvestingPro Banking Desk
Fixed Deposits · 15 May 2026
NRE Fixed Deposit rates from 12 leading Indian banks — verified {{now.year}}-05-15. Highest rate: AU Small Finance Bank 8.25% (18-24 months). Top private banks 7.1-7.5%; PSU banks 6.75-7%. Includes tax treatment for NRIs in Singapore, USA, UK, UAE; FCNR vs NRE comparison; and currency depreciation math.
By InvestingPro Banking Desk
Fixed Deposits · 17 Apr 2026
Best Short-Term FD Rates in India {{now.year}}: 3-Month, 6-Month and 1-Year Deposits Compared - Comprehensive guide for Investors wanting to park money for less than a year. Learn about short term FD rates india {{now.year}}, best 6 month FD rate, 1 year FD interest rate comparison.
By InvestingPro Banking Desk
Fixed Deposits · 17 Apr 2026
Corporate FD vs Bank FD: Are Higher Interest Rates Worth the Risk? - Comprehensive guide for FD investors tempted by higher rates from NBFCs and corporates. Learn about corporate FD vs bank FD, company fixed deposit safety, highest corporate FD rates india.
By InvestingPro Banking Desk
Fixed Deposits · 15 Apr 2026
Banks deduct TDS on FD interest above Rs 40,000 (Rs 50,000 for seniors). Here is how it works, when to submit Form 15G/15H, and legal ways to reduce your tax on fixed deposit interest in India.
By InvestingPro Banking Desk
Fixed Deposits · 7 Apr 2026
As we navigate the financial landscape of April {{now.year}}, one thing is clear: small finance banks (SFBs) in India are offering some of the most competitive Fix
By InvestingPro Banking Desk
Fixed Deposits · 7 Apr 2026
In a financial landscape where every rupee counts, finding the best fixed deposit rates in India for {{now.year}} can significantly impact your savings strategy. D
By InvestingPro Banking Desk
Before you deposit
Safety
₹30L of cover at one bank via 6 categories. PMC + LVB + Yes Bank case studies + 90-day payout rule.
Read guide →
Tax
₹40K/₹50K threshold mechanics, Form 15G/15H merger into Form 121, 4 legal minimization strategies.
Read guide →
Honest math
Why 7% nominal becomes -0.6% real for 30%-bracket investors. 5 inflation-beating alternatives.
Read guide →
Rate boost
AU, Unity, Suryoday at 8-9% vs PSU 6.5-7%. Identical DICGC + 3-question due diligence.
Read guide →
Retiree
Optimal 4-instrument mix for ₹50L corpus → ₹35-40K monthly income tax-efficient.
Read guide →
Caution
DHFL collapse case + 4 red flags + risk-adjusted return math (rate premium vs DICGC gap).
Read guide →
Bank fixed deposits are regulated by the Reserve Bank of India and protected by DICGC insurance up to ₹5 lakh per depositor per bank. Corporate / NBFC fixed deposits do NOT carry DICGC cover and carry issuer credit risk — read the credit-rating disclosure carefully. Senior-citizen rates and tax-saver-FD eligibility apply per scheme T&C.
Risk note: Premature withdrawal of fixed deposits typically incurs a 0.5–1% penalty on the applicable interest rate. Plan tenure to match your liquidity needs.
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