The highest Fixed Deposit rates across India's banks, ranked. Amounts below ₹3 crore, general public.
Ranked across India's banks · Dataset refreshed 26 Sept 2026
| # | Bank | Rate | Applies to |
|---|---|---|---|
| 1 | Suryoday Small Finance Bank
Suryoday |
7.25% | 1 Year |
| 2 | Ujjivan Small Finance Bank
Ujjivan |
7.25% | 1 Year to < 2 years |
| 3 | AU Small Finance Bank
AU |
7.10% | 12 Months 1 Day to 15 Months |
| 4 | Equitas Small Finance Bank
Equitas |
7.10% | 1 year to 443 days |
| 5 | RBL Bank
RBL |
7.05% | 365 days (12 months) to 500 days |
| 6 | Bandhan Bank
Bandhan |
7.00% | 1 year |
| 7 | Capital Small Finance Bank
Capital |
7.00% | 1 Year to less than 5 Years |
| 8 | Deutsche Bank India
Deutsche |
7.00% | > 1 Yr - 1.5 Yrs |
| 9 | Gujarat Gramin Bank
GGB |
7.00% | 1 year to < 2 years |
| 10 | Jana Small Finance Bank
Jana |
7.00% | 271 Days - 366 Days |
| 11 | Telangana Grameena Bank
TGB |
7.00% | 1 year to < 2 years |
| 12 | DCB Bank
DCB |
6.90% | 12 months to less than 15 months |
| 13 | Post Office Savings Schemes
POSS |
6.90% | 1 Year |
| 14 | Andhra Pradesh Grameena Bank
APGB |
6.85% | 1 year to less than 2 years |
| 15 | Tamil Nadu Grama Bank
TNGB |
6.85% | 1 year to less than 2 years |
| 16 | Jharkhand Rajya Gramin Bank
JRGB |
6.80% | 1 year to less than 2 years |
| 17 | Nagaland Rural Bank
NagRB |
6.80% | 1 year to less than 2 years |
| 18 | Tamilnad Mercantile Bank
TMB |
6.80% | 1 year |
| 19 | Assam Gramin Vikash Bank
AGVB |
6.78% | 1 year |
| 20 | IndusInd Bank
IndusInd |
6.75% | 1 Year to below 1 Year 6 Month |
| 21 | Jammu and Kashmir Grameen Bank
JKGB |
6.75% | 1 year to < 2 years |
| 22 | Karnataka Grameena Bank
KGB |
6.75% | 1 year to < 2 years |
| 23 | Puducherry Grama Bank
PuduGB |
6.75% | 1 year to < 2 years |
| 24 | Shivalik Small Finance Bank
Shivalik |
6.75% | 12 months 1 day to less than 18 months |
| 25 | Yes Bank
Yes |
6.75% | 12 months 1 day < 18 months |
| 26 | City Union Bank
City Union |
6.65% | 365 days to 443 days |
| 27 | Haryana Gramin Bank
HGB |
6.60% | 1 year to < 2 years |
| 28 | Meghalaya Rural Bank
MegRB |
6.60% | 1 year to < 2 years |
| 29 | Punjab Gramin Bank
PGB |
6.60% | 1 year to < 2 years |
| 30 | Standard Chartered India
StanChart |
6.60% | 1yr - 376days* |
| 31 | Karur Vysya Bank
KVB |
6.55% | 1 Year to up to 399 Days |
| 32 | Bank of India
BoI |
6.50% | 1 Year |
| 33 | Bihar Gramin Bank
BGB |
6.50% | 1 year to < 2 years |
| 34 | Chhattisgarh Gramin Bank
CGB |
6.50% | 1 year to less than 2 years |
| 35 | IDFC First Bank
IDFC First |
6.50% | 1 year – 370 days |
| 36 | Indian Overseas Bank
IOB |
6.50% | 1 Year |
| 37 | Karnataka Bank
Karnataka |
6.50% | 1 year to 554 days |
| 38 | Kerala Gramin Bank
KerGB |
6.50% | Above 1 year up to below 15 months |
| 39 | Maharashtra Gramin Bank
MahaGB |
6.50% | 1 Year |
| 40 | Manipur Rural Bank
ManRB |
6.50% | Above 1 year to less than 2 years |
| 41 | Tripura Gramin Bank
TripGB |
6.50% | 1 year to < 2 years |
| 42 | Uttar Pradesh Gramin Bank
UPGB |
6.50% | 1 year to < 2 years |
| 43 | Bank of Maharashtra
Maharashtra |
6.40% | 365 days/ One Year |
| 44 | Federal Bank
Federal |
6.40% | Above 1 year to less than 15 Months |
| 45 | Mizoram Rural Bank
MizRB |
6.40% | 1 year to less than 2 years |
| 46 | Arunachal Pradesh Rural Bank
APRB |
6.35% | >1 year to <2 years |
| 47 | Kotak Mahindra Bank
Kotak |
6.35% | 365 Days to less than 15 Months |
| 48 | Rajasthan Gramin Bank
RGB |
6.35% | 1 year |
| 49 | South Indian Bank
South Indian |
6.35% | 1 year to < 2 years |
| 50 | Himachal Pradesh Gramin Bank
HPGB |
6.30% | >1 year to 2 year |
| 51 | Madhya Pradesh Gramin Bank
MPGB |
6.30% | 1 year |
| 52 | Nainital Bank
Nainital |
6.30% | 1 year to less than 444 days |
| 53 | Axis Bank
Axis |
6.25% | 1 year – 1 year 10 days |
| 54 | Bank of Baroda
BoB |
6.25% | 1 year |
| 55 | Canara Bank
Canara |
6.25% | 1 year to 443 days |
| 56 | Dhanlaxmi Bank
Dhanlaxmi |
6.25% | 1 Year and above up to & inclusive of 2 years |
| 57 | HDFC Bank
HDFC |
6.25% | 1 Year to < 15 months |
| 58 | ICICI Bank
ICICI |
6.25% | 1 Year to < 18 Months |
| 59 | IDBI Bank
IDBI |
6.25% | >1 Year to 2 Years (except 555 days & 700 Days) |
| 60 | Punjab National Bank
PNB |
6.25% | 1 year |
| 61 | Slice Small Finance Bank
Slice |
6.25% | 6 months 1 day - 1 year |
| 62 | State Bank of India
SBI |
6.25% | 1 Year to less than 2 years |
| 63 | Uttarakhand Gramin Bank
UKGB |
6.25% | 1 year |
| 64 | Union Bank of India
Union |
6.20% | 1 year to 399 days |
| 65 | Central Bank of India
Central |
6.10% | 1 year to less than 2 years |
| 66 | Indian Bank
Indian |
6.10% | 1 year |
| 67 | UCO Bank
UCO |
6.10% | 1 year |
| 68 | Odisha Grameen Bank
OGB |
6.05% | 1 year |
| 69 | ESAF Small Finance Bank
ESAF |
6.00% | 183 days to 1 year |
| 70 | Utkarsh Small Finance Bank
Utkarsh |
6.00% | 181 Days to 370 Days |
| 71 | West Bengal Gramin Bank
WBGB |
6.00% | 1 year to 399 days |
| 72 | Punjab & Sind Bank
P&S |
5.85% | 1 year |
| 73 | CSB Bank
CSB |
5.25% | 12 months to less than 13 months |
| 74 | HSBC India
HSBC |
4.00% | 365 Days |
Tap a tenure for the full ranking
Rates are compiled across India's banks and refreshed daily; 65 banks are scraped directly from their official sites, the rest from aggregated sources. Bank deposits are DICGC-insured up to ₹5 lakh; Post Office savings schemes carry a sovereign guarantee (Government of India). Verify on the bank's site before investing.
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