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Compare Bank FD Interest Rates 2025
Fixed Deposits are a wonderful tool through which one can grow their idle savings into a sizable amount of money. It is an investment that guarantees (nearly!) a Fixed Interest Rate on the tenure for which one wishes to deposit their money. Investors who are risk-averse can invest in FDs as they are amongst the safest investment options in India. But, before you invest, it is advisable to look for banks that offer best FD rates, so that you can earn better returns.
One should also know the Bank or financial institution that they choose and look at its reputation/credit standing. Hence, to make it easy for you, we have listed below the best FD rates offered by various banks.
Best Fixed Deposit Rates 2025
Here is a list of best FD rates offered by various banks. You can compare, analyse and pick the right bank Offering the best rates as per your needs.
| Banks | Deposit Tenure | Interest Rate For General | Interest Rate for Senior Citizens |
|---|---|---|---|
| SBI Bank | 7 days-10 years | 3.00% -6.66% | 3.50%-7.71% |
| HDFC Bank | 7 days - 10 years | 3.00%-7.00% | 3.50%-7.75% |
| ICICI Bank | 7 days to 10 years | 3.00% – 7.00% | 3.50% - 7.00% |
| Axis Bank | 7 days-10 years | 3.00%-7.00% | 3.50%-7.75% |
| PNB Bank | 7 days - 10 years | 3.50%-6.50% | 4.00%-7.50% |
| Canara Bank | 7 days - 10 years | 4.00% to 6.87% | 4.00% to 7.40% |
| Bank of India | 7 days to 10 years | 3.00% - 6.00% | 3.00% - 6.90% |
| Union Bank | 7 days to 10 years | 3.00% - 6.70% | 3.50% - 6.10% |
| Indian Bank | 7 days to above 5 years | 2.90% - 6.00% | 2.90% - 7.55% |
| IOB Bank | 7 days to 3 years & above | 4.00% - 6.50% | 3.90% - 6.80% |
| Kotak Bank | 7 days to 10 years | 2.75% - 6.35% | 3.25% - 6.87% |
| AU Small Finance Bank | 7 days to 120 months | 3.75% - 7.45% | 4.25% - 7.98% |
| Bandhan Bank | 7 days to 10 years | 3.00% - 5.85% | 3.75% - 6.60% |
| Bajaj Finance | 15 months - 44 months | 7.45% - 8.35% | 7.70% - 8.60% |
| BOB Bank | 7 days to above 10 years | 3.00% - 7.65% | 3.35% - 8.00% |
| IDBI Bank | 7 days to 20 years | 3.00% - 4.80% | 3.50% - 5.30% |
| YES Bank | 7 days to 10 years | 3.25% - 7.19% | 3.75% - 7.98% |
| IndusInd Bank | 7 days to 10 years | 3.50% - 7.25% | 4.25% - 8.00% |
| Federal Bank | 7 days to 10 years | 3.00% - 6.60% | 3.50% - 7.25% |
| IDFC Bank | 7 days-10 years | 3.00% - 7.00% | 3.50% - 7.50% |
| UCO Bank | 7 days- above 5 years | 2.90% - 7.07% | 5.90% - 7.07% |
| Bank of Maharashtra | 7 days- above 5 years | 2.75% - 6.00% | 2.75% - 6.50% |
| DBS Bank | 7 days-10 years | 2.50% - 6.50% | 2.50% - 7.00% |
| HSBC Bank | 7 days-5 years | 2.85% - 7.00% | 3.35% - 7.75% |
| Deutsche Bank | 7 days-5 years | 3.00% - 8.00% | 3.00% - 8.00% |
| SBM Bank | 7 days-10 years | 4.25% - 8.00% | 7.05% - 8.05% |
| Central Bank of India | 7 days-10 years | 4.75% - 6.92% | 5.25% - 7.45% |
| RBL Bank | 7 days-5 years | 3.50% - 8.00% | 4.00% - 8.50% |
| LIC Housing Finance | 1 year - 5 years | 7.25% to 7.75% | 7.25% to 7.75% |
| PNB Housing Finance | 1 year - 10 years | 7.00% to 7.85% | 7.30% to 8.15% |
| ICICI Home Finance | 1 year - 10 years | 7.00% to 7.65% | 7.30% to 7.70% |
| Shriram City Union Finance | 1 year - 5 years | 7.53% to 8.27% | 8.03% to 8.73% |
| Jana Small Finance Bank | 7 days - 10 years | 3.00% to 8.50% | 3.50% to 9.00% |
| Utkarsh Small Finance Bank | 7 days - 10 years | 4.00% to 8.25% | 4.60% to 8.85% |
| Equitas Small Finance Bank | 7 days - 10 years | 3.50% to 8.77% | 3.50% to 8.77% |
Disclaimer- The FD Interest Rates are subject to frequent change. Before starting a Fixed Deposit scheme, do inquire with the concerned banks or visit their websites.
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Earn Better Returns by Investing in Liquid Funds
- Liquid Funds invest in short-term investment instruments like commercial papers, certificates of deposit, treasury bills etc.
- With Liquid Mutual Funds one gets the flexibility to invest or withdraw whenever one wants to without any penalty or exit load.
- When investing in Mutual Funds, some fund houses also offer ATM card to withdraw money. This further adds on to your convenience.
- Some of the Best Liquid Funds offer much better interest rate than that of Savings Account.
Liquid Funds Vs Savings Account
Based on certain parameters, we can figure out the difference between liquid funds and savings account. Let’s figure out those parameters.
| Factors | Liquid Funds | Savings Account |
|---|---|---|
| Rate of Return | 7-8% | 4% |
| Tax Implications | Short-term Capital gains tax is levied based on investors' applicable income tax slab Tax Rate | Interest rate earned are taxable as per investors' applicable Income tax slab |
| Ease of Operation | No need to go to a bank to get cash. If there is same amount that needs to be paid, it can be done online | Money gets deposited to the bank account first |
| Suitable for | Who want to invest their surplus to earn higher return than saving account | Who want to just park their surplus amount |
Top 5 Liquid Funds to Invest 2025
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Indiabulls Liquid Fund Growth ₹2,540.55
↑ 0.33 ₹328 0.4 1.5 3.4 7 6.9 5.4 7.4 PGIM India Insta Cash Fund Growth ₹341.986
↑ 0.04 ₹357 0.4 1.5 3.4 7 7 5.6 7.3 JM Liquid Fund Growth ₹71.6727
↑ 0.01 ₹1,909 0.4 1.5 3.3 6.9 6.9 5.5 7.2 Axis Liquid Fund Growth ₹2,925.12
↑ 0.39 ₹33,529 0.5 1.5 3.4 7.1 7 5.6 7.4 Invesco India Liquid Fund Growth ₹3,610.84
↑ 0.50 ₹12,320 0.5 1.5 3.3 7 7 5.6 7.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Invesco India Liquid Fund Point 1 Bottom quartile AUM (₹328 Cr). Bottom quartile AUM (₹357 Cr). Lower mid AUM (₹1,909 Cr). Highest AUM (₹33,529 Cr). Upper mid AUM (₹12,320 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Oldest track record among peers (27 yrs). Established history (15+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 7.05% (upper mid). 1Y return: 7.03% (bottom quartile). 1Y return: 6.91% (bottom quartile). 1Y return: 7.06% (top quartile). 1Y return: 7.03% (lower mid). Point 6 1M return: 0.45% (bottom quartile). 1M return: 0.45% (lower mid). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (top quartile). 1M return: 0.45% (upper mid). Point 7 Sharpe: 3.32 (bottom quartile). Sharpe: 3.56 (lower mid). Sharpe: 3.11 (bottom quartile). Sharpe: 3.87 (upper mid). Sharpe: 3.96 (top quartile). Point 8 Information ratio: -1.49 (bottom quartile). Information ratio: -0.92 (lower mid). Information ratio: -2.34 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.90% (lower mid). Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 6.19% (top quartile). Point 10 Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Indiabulls Liquid Fund
PGIM India Insta Cash Fund
JM Liquid Fund
Axis Liquid Fund
Invesco India Liquid Fund
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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