Best 1 year FD rates · October 2026

The banks offering the highest fixed-deposit rate for a 1 year tenure, ranked.

Rates updated 19 Oct 2026

Best 1 year FD rates

General public · below ₹3 crore · Dataset refreshed 19 Oct 2026

#	Bank	Rate	Applies to
1	Sangli District Central Co-operative Bank Co-operative Maharashtra	8.25%	1 to 2 years
2	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.85%	1 year up to less than 2 year
3	Jilla Sahakari Kendriya Bank Maryadit, Dewas Co-operative Madhya Pradesh	7.75%	1 to 2 years
4	Jilla Sahakari Kendriya Bank Maryadit, Jhabua Co-operative Madhya Pradesh	7.75%	1 to 2 years
5	South Canara District Central Co-operative Bank Co-operative Karnataka	7.75%	1 to 3 years
6	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	7.75%	1 to 3 years
7	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.65%	Exactly 1 year
8	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	7.60%	1 to 10 years
9	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	7.60%	1 to 3 years
10	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	7.50%	1 year and above
11	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	Term (365 days)
12	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	1 to 2 years
13	Hyderabad District Central Co-operative Bank Ltd. Co-operative Telangana	7.50%	1 year
14	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.50%	1 to 2 years
15	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.50%	1 to 2 years
16	Kurukshetra District Central Co-operative Bank Co-operative Haryana	7.50%	1 to 2 years
17	Mysore City District Co-operative Central Bank Co-operative Karnataka	7.50%	1 year and above
18	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.50%	1 year and above
19	Nayagarh District Central Co-operative Bank Co-operative Odisha	7.50%	1 to 2 years
20	Raichur District Co-operative Central Bank Co-operative Karnataka	7.50%	1 to 2 years
21	Rohtak District Central Co-operative Bank Co-operative Haryana	7.50%	1 to 2 years
22	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	7.50%	1 to 2 years
23	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.50%	1 to 2 years
24	Warangal District Central Co-operative Bank Co-operative Telangana	7.50%	1 to 3 years
25	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	7.40%	1 year
26	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	7.35%	12 months to under 24 months
27	Sikkim State Co-operative Bank Co-operative Sikkim	7.30%	1 year to under 2 years
28	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	7.30%	1 to 2 years
29	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	7.30%	1 to 2 years
30	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.25%	1 year to less than 3 years
31	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	7.25%	1 year to less than 5 years
32	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	7.25%	1 year to 2 years
33	Central Co-operative Bank Sawai Madhopur Co-operative Rajasthan	7.25%	1 to 2 years
34	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.25%	1 to 2 years
35	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	7.25%	1 year (special)
36	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	7.25%	1 to 2 years
37	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.25%	1 to 2 years
38	Panchmahals District Central Co-operative Bank Co-operative Gujarat	7.25%	364 to 729 days
39	Suryoday Small Finance Bank Small Finance Gujarat +5 states	7.25%	1 year
40	Ujjivan Small Finance Bank Small Finance Nationwide	7.25%	1 year to < 2 years
41	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	7.20%	1 year
42	Mahendragarh District Central Co-operative Bank Co-operative Haryana	7.20%	1 to 2 years
43	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	7.15%	1 to 2 years
44	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	7.15%	1 year
45	Odisha State Co-operative Bank Co-operative Odisha	7.15%	1 to less than 2 years
46	AU Small Finance Bank Small Finance Nationwide	7.10%	12 months 1 day to 15 months
47	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	7.10%	1 year to 443 days
48	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	7.10%	1 year to 2 years
49	Kerala State Co-operative Bank Co-operative Kerala	7.10%	1 year to below 2 years
50	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	7.10%	1 to 2 years
51	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	7.05%	1 year and above
52	Mumbai District Central Co-operative Bank Co-operative Maharashtra	7.05%	365 to 454 days
53	RBL Bank Private Nationwide	7.05%	365 days (12 months) to 500 days
54	Bandhan Bank Private Nationwide	7.00%	1 year
55	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	1 year to 2 years
56	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	7.00%	1 year to less than 2 years
57	Capital Small Finance Bank Small Finance Chandigarh +7 states	7.00%	1 year to less than 5 years
58	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	7.00%	1 year to less than 2 years
59	Deutsche Bank India Foreign Bank Delhi +8 states	7.00%	> 1 yr - 1.5 yrs
60	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	7.00%	1 to 2 years
61	Goa State Co-operative Bank Co-operative Goa	7.00%	1 year and above
62	Greater Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	1 year to less than 2 years
63	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	181 days to 1 year
64	Jana Small Finance Bank Small Finance Nationwide	7.00%	271 days - 366 days
65	Jharkhand State Co-operative Bank Co-operative Jharkhand	7.00%	1 year to less than 13 months
66	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	7.00%	1 year
67	Kaithal District Central Co-operative Bank Co-operative Haryana	7.00%	1 to 2 years
68	Kolar and Chikkaballapur District Central Co-operative Bank Co-operative Karnataka	7.00%	181 to 365 days
69	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	1 to 3 years
70	Magadh District Central Co-operative Bank Co-operative Bihar	7.00%	1 to 2 years
71	Maharashtra State Co-operative Bank Co-operative Maharashtra	7.00%	365 days
72	Mandya District Co-operative Central Bank Co-operative Karnataka	7.00%	1 to 3 years
73	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	7.00%	1 to 2 years
74	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	1 to 2 years
75	Rewari District Central Co-operative Bank Co-operative Haryana	7.00%	1 to 2 years
76	Shivamogga District Co-operative Central Bank Co-operative Karnataka	7.00%	1 to 2 years
77	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	7.00%	365 to 454 days
78	Siwan District Central Co-operative Bank Co-operative Bihar	7.00%	1 to 2 years
79	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	1 year
80	The Akola Urban Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	For 12 months (365 days)
81	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	7.00%	1 to 2 years
82	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	12 months to 444 days
83	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	7.00%	1 year and above
84	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	7.00%	12 to 18 months
85	DCB Bank Private Nationwide	6.90%	12 months to less than 15 months
86	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	6.90%	1 to 2 years
87	District Co-operative Bank Rampur Co-operative Uttar Pradesh	6.90%	365 days
88	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.90%	1 year (365 days)
89	Post Office Savings Schemes Government Scheme	6.90%	1 year
90	Rajkot District Central Co-operative Bank Co-operative Gujarat	6.90%	1 to 2 years
91	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	6.90%	1 year to 15 months
92	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
93	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
94	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.85%	1 year to less than 2 years
95	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
96	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	6.85%	365 days
97	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	6.85%	1 year
98	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	6.85%	365 days
99	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
100	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
101	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.85%	1 year
102	Nagaland State Co-operative Bank Co-operative Nagaland	6.85%	180 days to 1 year
103	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	6.85%	1 year to less than 2 years
104	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	6.85%	1 year
105	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	6.80%	1 year
106	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.80%	1 year to 443 days
107	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.80%	1 to 2 years
108	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	6.80%	1 year to less than 2 years
109	Nagaland Rural Bank Regional Rural Nagaland	6.80%	1 year to less than 2 years
110	Panchkula District Central Co-operative Bank Co-operative Haryana	6.80%	1 to 2 years
111	Tamilnad Mercantile Bank Private Nationwide	6.80%	1 year
112	Assam Gramin Vikash Bank Regional Rural Assam	6.78%	1 year
113	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	6.75%	1 year
114	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	1 year to Less than 2 year
115	Central Co-operative Bank Kota Co-operative Rajasthan	6.75%	1 to 3 years
116	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	6.75%	1 to 2 years
117	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	6.75%	12 months (365 days)
118	IndusInd Bank Private Nationwide	6.75%	1 year to below 1 year 6 month
119	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.75%	1 to 2 years
120	Nawada District Central Co-operative Bank Co-operative Bihar	6.75%	1 to 2 years
121	Shivalik Small Finance Bank Small Finance Delhi +9 states	6.75%	12 months 1 day to less than 18 months
122	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	6.75%	1 to 2 years
123	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.75%	1 year and up to 2 years
124	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	6.75%	1 year
125	Yes Bank Private Nationwide	6.75%	12 months 1 day < 18 months
126	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.70%	365 days
127	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	1 year
128	City Union Bank Private Nationwide	6.65%	365 days to 443 days
129	Patliputra District Central Co-operative Bank Co-operative Bihar	6.65%	1 to 2 years
130	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.60%	1 year
131	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	1 to 2 years
132	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.60%	12 months to 18 months
133	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.60%	1 to less than 2 years
134	Puducherry Grama Bank Regional Rural Puducherry	6.60%	1 year to less than 2 years
135	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	6.60%	1yr - 376days*
136	The Bihar State Co-operative Bank Co-operative Bihar	6.60%	1 year to less than 2 years
137	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	6.60%	For 1 year
138	Federal Bank Private Nationwide	6.55%	Above 1 year to less than 15 months
139	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	6.55%	1 year
140	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	6.55%	1 year to less than 18 months
141	Karur Vysya Bank Private Nationwide	6.55%	1 year to up to 399 days
142	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	From 1 year to 5 year
143	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.50%	1 year to less than 2 years
144	Assam Co-operative Apex Bank Co-operative Assam	6.50%	365 days to less than 455 days
145	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	6.50%	1 year to 2 years
146	Bank of India Public Sector Nationwide	6.50%	1 year
147	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
148	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	6.50%	1 year to less than 2 years
149	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	6.50%	1 to 2 years
150	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	301 days to upto 1 year
151	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	6.50%	1 to 2 years
152	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	6.50%	1 year
153	IDFC First Bank Private Nationwide	6.50%	1 year – 370 days
154	Indian Overseas Bank Public Sector Nationwide	6.50%	1 year
155	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	6.50%	1 year to less than 2 years
156	Karnataka Bank Private Nationwide	6.50%	1 year to 554 days
157	Karnataka Grameena Bank Regional Rural Karnataka	6.50%	Above 1 year upto & inclusive 2 years
158	Kerala Gramin Bank Regional Rural Kerala	6.50%	Above 1 year up to below 15 months
159	Maharashtra Gramin Bank Regional Rural Maharashtra	6.50%	1 year
160	Manipur Rural Bank Regional Rural Manipur	6.50%	Above 1 year to less than 2 years
161	Meghalaya Rural Bank Regional Rural Meghalaya	6.50%	more than 1year and less than 3 years
162	Rohika District Central Co-operative Bank Co-operative Bihar	6.50%	1 to 2 years
163	Sirsa District Central Co-operative Bank Co-operative Haryana	6.50%	365 days
164	Surendranagar District Central Co-operative Bank Co-operative Gujarat	6.50%	180 to 365 days
165	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	6.50%	1 year
166	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.50%	12 months (for 1 year)
167	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.50%	1 year to less than 2 years
168	The West Bengal State Co-operative Bank Co-operative West Bengal	6.50%	1 year
169	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.50%	365 days
170	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.45%	1 to less than 2 years
171	Telangana Grameena Bank Regional Rural Telangana	6.45%	1 year to less than 2 years
172	Bank of Maharashtra Public Sector Nationwide	6.40%	365 days/ One Year
173	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	6.40%	1 year
174	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.40%	1 year
175	Bihar Gramin Bank Regional Rural Bihar	6.40%	>1 year to 2 years
176	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	6.40%	1 to 2 years
177	Mizoram Rural Bank Regional Rural Mizoram	6.40%	1 year to less than 2 years
178	Tripura Gramin Bank Regional Rural Tripura	6.40%	1 year to less than 2 years
179	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	6.40%	1 to 2 years
180	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	6.35%	>1 year to <2 years
181	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.35%	365 days
182	Kotak Mahindra Bank Private Nationwide	6.35%	365 days to less than 15 months
183	Rajasthan Gramin Bank Regional Rural Rajasthan	6.35%	1 year
184	Gujarat Gramin Bank Regional Rural Gujarat	6.30%	Above 1 year and up to 2 years
185	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	6.30%	>1 year to 2 year
186	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	6.30%	1 year
187	Motihari District Central Co-operative Bank Co-operative Bihar	6.30%	1 to 2 years
188	Nainital Bank Private Delhi +5 states	6.30%	1 year to less than 444 days
189	Punjab Gramin Bank Regional Rural Punjab	6.30%	1 year only
190	Axis Bank Private Nationwide	6.25%	1 year – 1 year 10 days
191	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.25%	1 year
192	Bank of Baroda Public Sector Nationwide	6.25%	1 year
193	Canara Bank Public Sector Nationwide	6.25%	1 year & above to 1 year 3 months Only (Except 444 days)
194	Dhanlaxmi Bank Private Andhra Pradesh +15 states	6.25%	1 year and above up to & inclusive of 2 years
195	Haryana Gramin Bank Regional Rural Haryana	6.25%	Over 1 year to 449 days
196	HDFC Bank Private Nationwide	6.25%	1 year to < 15 months
197	ICICI Bank Private Nationwide	6.25%	1 year to < 18 months
198	IDBI Bank Private Nationwide	6.25%	>1 year to 2 years (except 555 days & 700 days)
199	Punjab National Bank Public Sector Nationwide	6.25%	1 year
200	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	6.25%	6 months 1 day - 1 year
201	South Indian Bank Private Nationwide	6.25%	1 year
202	State Bank of India Public Sector Nationwide	6.25%	1 year to less than 2 years
203	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	6.25%	301 days & upto 1 year
204	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	6.25%	01 year
205	Uttarakhand Gramin Bank Regional Rural Uttarakhand	6.25%	1 year
206	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	6.20%	1 year
207	Union Bank of India Public Sector Nationwide	6.20%	1 year to 399 days
208	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.15%	181 to 12 months
209	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.15%	1 year to less than 2 year
210	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	6.15%	181 days to 1 year
211	Central Bank of India Public Sector Nationwide	6.10%	1 year to less than 2 years
212	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	6.10%	365 days · FD365
213	Indian Bank Public Sector Nationwide	6.10%	1 year
214	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.10%	1 to 2 years
215	UCO Bank Public Sector Nationwide	6.10%	1 year
216	Odisha Grameen Bank Regional Rural Odisha	6.05%	1 year
217	ESAF Small Finance Bank Small Finance Nationwide	6.00%	183 days to 1 year
218	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	6.00%	181 days to 1 year
219	Nagpur District Central Co-operative Bank Co-operative Maharashtra	6.00%	1 to 2 years
220	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	6.00%	271 to 366 days
221	The Bapunagar Mahila Co-operative Bank Ltd. Co-operative Gujarat	6.00%	181 days to 365 days
222	The Haryana State Co-operative Apex Bank Co-operative Haryana	6.00%	1 year to less than 2 years
223	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.00%	181 days up to 1 year
224	Utkarsh Small Finance Bank Small Finance Nationwide	6.00%	181 days to 370 days
225	West Bengal Gramin Bank Regional Rural West Bengal	6.00%	1 year to 399 days
226	Punjab & Sind Bank Public Sector Nationwide	5.85%	1 year
227	Central Co-operative Bank Pali Co-operative Rajasthan	5.80%	180 days to 1 year
228	Amanath Co-operative Bank Ltd. Co-operative Karnataka	5.75%	181 days & up to 1 year
229	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.75%	1 year to 3 years
230	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.75%	1 to 2 years
231	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	5.75%	1 to 2 years
232	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	5.75%	180 to 366 days
233	Manipur State Co-operative Bank Co-operative Manipur	5.75%	1 to 2 years
234	Puducherry State Co-operative Bank Co-operative Puducherry	5.75%	1 to 2 years
235	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	5.75%	1 year to 2 year
236	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	5.60%	1 year to Less than 2 year
237	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	5.50%	181 days to 12 months
238	The Akola Janata Commercial Co-operative Bank Ltd. Co-operative Maharashtra +1 state	5.50%	6 month to 1 year
239	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	5.50%	12 months (1 year)
240	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	5.50%	181 to 365 days
241	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	5.30%	1 to 5 years
242	Sitamarhi District Central Co-operative Bank Co-operative Bihar	5.30%	1 to 2 years
243	CSB Bank Private Nationwide	5.25%	12 months to less than 13 months
244	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	5.25%	271 days to 365 days
245	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	5.10%	1 to 2 years
246	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	4.30%	181 days upto 365 days
247	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	4.25%	181 days to 12 months
248	HSBC India Foreign Bank Andhra Pradesh +13 states	4.00%	365 days

Best FD rate by tenure

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State

Deposit amount

Looking for the best 1 year fixed deposit rate? A 1 year FD locks your money for 1 year at a rate fixed for the full term, so you know your maturity value the day you invest. As of 19 Oct 2026, the highest 1 year FD rate we track is 8.25% at Sangli District Central Co-operative Bank.

Rates for this tenure differ sharply between banks — small finance and private banks often lead, public sector banks follow — so comparing is worth it. All banks below are RBI-licensed with DICGC cover up to ₹5 lakh per depositor. The table is ranked best-first for a general depositor below ₹3 crore; estimate your exact payout with the FD calculator or check senior citizen rates.

Frequently Asked Questions

What is the highest 1 year FD rate in India right now?

As of 19 Oct 2026, Sangli District Central Co-operative Bank offers the highest 1 year FD rate at 8.25% p.a. for general depositors. Other top options include Akhand Anand Bank at 7.85% and JSKB Dewas at 7.75%. Always confirm the current rate on the bank's official website before investing.

Which type of bank offers the best 1 year fixed deposit rates?

Both private sector banks and small finance banks regularly offer competitive 1 year FD rates. Public sector banks tend to offer lower but historically stable rates backed by government ownership.

Do senior citizens get a better rate on 1 year FDs?

Yes. Senior citizens (aged 60+) typically earn 0.25%–0.75% p.a. more than the general rate. For 1 year FDs, Akhand Anand Bank currently offers the highest senior citizen rate at 8.35% p.a. (as of 19 Oct 2026).

Is TDS deducted on 1 year fixed deposit interest?

Yes. Interest earned on FDs is fully taxable as income. Banks deduct TDS at 10% if your total FD interest from a single bank exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). Submit Form 15G (general public) or Form 15H (senior citizens) if your total income is below the taxable threshold to prevent TDS deduction.

Latest article Best FD rates in India on 16 October 2026: up to 9.00%

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