Best 6 months FD rates · November 2026

The banks offering the highest fixed-deposit rate for a 6 months tenure, ranked.

Best 6 months FD rates

General public · below ₹3 crore · Dataset refreshed 14 Nov 2026

#BankRateApplies to
1 8.10% 181 days to less than 1 year
2 8.00% From 182 days to 365 days
3 8.00% 181 to less than 1 year
4 8.00% 181 days to 354 days
5 7.75% 180 days to 364 days
6 7.60% 181 days to less than 1 year
7 7.50% 181 days to 365 days
8 7.50% 181 days to 1 year
9 7.50% 181 to 364 days
10 7.50% 181 to 364 days
11 7.50% 181 days to 365 days
12 7.50% 181 days to 1 year
13 7.50% 180 days to 364 days
14 7.50% 181 to 1 year
15 7.50% 181 days to 364 days
16 7.50% 181 - 364 days
17 7.50% 181 days to 364 days
18 7.50% 180 days to 1 year
19 7.50% 181 days to 365 days
20 7.50% 181 days to 365 days
21 7.50% 181 days to 365 days
22 7.50% 181 days to 364 days
23 7.50% 182 days to less than 1 year
24 7.50% 181 days to 15 month
25 7.50% 180 days to less than 360 days
26 7.50% 180 days to 364 days
27 7.50% 181 days to 365 days
28 7.50% 181 days to less than 1 year
29 7.50% 181 days to Less than 1 year
30 7.40% 181 days to 1 year
31 7.35% 181 days to 12 months
32
Jana Small Finance Bank
Small Finance Nationwide
7.30% 181 days - 270 days
33 7.25% 181 days to 365 days
34 7.25% 91 days to 220 days
35 7.25% 181 days to less than 15 months
36 7.25% 181 days to less than 1 year
37 7.25% 181 DAYS TO 365 DAYS
38 7.25% 180 days to 364 days
39 7.25% 180 days to 364 days
40 7.25% 181 days to 365 days
41 7.25% 181 days to less than 1 year
42 7.25% 180 days to 364 days
43 7.25% 181 days to 1 year
44 7.25% 181 days to less than 1 year
45 7.25% 181 days to 1 year
46 7.10% 181 days upto less than 1 year
47 7.05% 181 days to 1 year
48 7.00% 181 days to 12 months
49 7.00% 181 days to 364 days
50 7.00% 180 DAYS TO 364 DAYS
51 7.00% 181 days to 1 year
52 7.00% 181 days to 1 years
53 7.00% 180 days to less than 1 year
54 7.00% 180 days to less than 1 year
55 7.00% 180 to 364 days
56 7.00% 180 to 364 days
57 7.00% 181 to 365 days
58 7.00% 181 days to 364 days
59 7.00% 181 days to 364 days
60 7.00% 181 days to 365 days
61 7.00% 181 days to 364 days
62 7.00% 180 to 364 days
63 7.00% 181 days to 360 days
64 7.00% 180 days to 364 days
65 7.00% 181 days to 365 days
66
QNB (Q.P.S.C.) (India)
Foreign Maharashtra
7.00% 181 days to 210 days
67 7.00% 181 days to Less than 1 year
68 7.00% 181 days to 364 days
69 7.00% 181 days to 364 days
70 7.00% 91 to 364 days
71 7.00% 181 days to 1 year
72 7.00% 181 to 365 days
73 7.00% 181 - 364 days
74
SSMS Bank, Athani
Co-op Karnataka
7.00% 181 days to 364 days
75 7.00% 181 days to 1 year
76 7.00% 180 days to 364 days
77 7.00% 181 to less than 1 year
78 7.00% 181 days to less than 1 year
79 7.00% 181 days upto 1 year
80 7.00% 180 days to less than 1 year
81 7.00% 181 days to 1 year
82 7.00% 180 days to 1 year
83 7.00% 181 days to 364 days
84 7.00% 181 days to 364 days
85 7.00% 181 days to 365 days
86 7.00% 182 days to 12 months
87 7.00% 181 days to 1 year
88 7.00% 181 days upto 364 days
89 7.00% 180 days to 364 days
90 7.00% 181 days to 1 year
91 7.00% From 181 days to 364 days
92 7.00% 181 days to 365 days
93 7.00% 181 days to 364 days
94 7.00% 181 days to 365 days
95 7.00% 181 days to 364 days
96 7.00% 180 days to 364 days
97 7.00% 181 days to 1 year
98 7.00% 180 to 364 days
99 7.00% 181 DAYS - 1 YEAR
100 7.00% 181 DAYS to less than 1 YEAR
101 7.00% 181 days to 12 months
102 6.90% 181 days to 364 days
103 6.90% 181 days to 364 days
104 6.85% 181 days to less than 1 year
105 6.80% 181 to 364 days
106 6.75% From 181 days to 365 days
107 6.75% 181 to 364 days
108 6.75% 181 days to 364 days
109 6.75% 181 days to 270 days
110 6.75% 180 days to less than 1 year
111 6.75% 181 days to 364 days
112 6.75% 181 days to less than 1 year
113 6.75% 180 days to 1 year
114 6.75% 180 days to less than 12 months
115 6.75% 182 days to 364 days
116
Sonali Bank PLC (India)
Foreign West Bengal
6.75% 181 days to less than 1 year
117 6.75% 181 to 364 days
118 6.75% 181 days to 364 days
119 6.75% 180 days to 364 days
120 6.75% 180 days to 364 days
121 6.75% 91 days to less than 1 year
122 6.75% 181 days to less than 1 year
123 6.75% 181 days to below 12 month
124 6.75% 181 days to less than 1 year
125
The Nagpur Nagarik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
6.75% 181 days to 364 days
126 6.75% 180 days to less than 1 year
127 6.75% 181 days to 8 months
128 6.75% 181 days to 1 year
129 6.75% 181 days to 1 year
130 6.75% 181 days to 365 days
131 6.75% 180 days to less than 1 year
132 6.75% 180 days to less than 1 year
133 6.75% 181 days to 364 days
134 6.75% 181 days to 1 year
135 6.75% 181 days to 364 days
136 6.60% 180 days to 1 year
137 6.60% 180 to 270 days
138 6.60% 181 days to 365 days
139 6.60% 180 days to less than 1 year
140 6.55% 180 to 270 days
141 6.55% 181 days to less than 1 year
142 6.55% 181 days to 270 days
143 6.50% 180 days to 364 days
144 6.50% 181 days to 1 year
145 6.50% 46 days and above upto 364 days
146 6.50% 180 days to 364 days
147 6.50% 181 days to less than 1 year
148 6.50% 180 days to 1 year
149 6.50% 181 to 364 days
150 6.50% 181 days to 270 DAYS
151 6.50% 180 days to less than 1 year
152 6.50% 181 days to less than 1 year
153
IDFC First Bank
Private Nationwide
6.50% 181 days – less than 1 year
154 6.50% 180 days to 364 days
155 6.50% 180 days to 210 days
156 6.50% 181 days to 364 days
157 6.50% 181 days to less than 1 year
158 6.50% 180 days to less than 1 year
159 6.50% 181 to 270 days
160 6.50% 180 to 364 days
161
Jivaji Sahakari Bank Ltd.
Co-op Maharashtra
6.50% 181 days to 12 months
162 6.50% 181 days to 364 days
163 6.50% 180 days to less than 1 year
164
Krishna Bhima Samruddhi Local Area Bank Ltd.
Local Area Bank Telangana +2 states
6.50% 181 days to 365 days
165 6.50% 181 to 364 days
166 6.50% 181 days to 364 days
167 6.50% 181 days to 1 year
168 6.50% 180 to 270 days
169 6.50% 181 days to 364 days
170 6.50% 181 days to 395 days
171 6.50% Above 180 days to 364 days
172 6.50% 181 days to 365 days
173 6.50% 181 days to 364 days
174
Mashreqbank PSC (India)
Foreign Maharashtra
6.50% 94 days to 185 days
175 6.50% 181 to 364 days
176 6.50% 180 days to less than 1 year
177 6.50% 181 to 364 days
178 6.50% 180 to 270 days
179 6.50% 181 days to 1 year
180 6.50% 181 days to less than 1 yr
181 6.50% 180 days to 364 days
182 6.50% 181 days to 364 days
183 6.50% 181 days to less than 1 year
184 6.50% 181 to 364 days
185 6.50% 181 days to 364 days
186 6.50% 181 days to 12 months
187 6.50% 181 days to 330 days
188 6.50% 181 days to 364 days
189 6.50% 182 day to 364 days
190 6.50% 181 days to 364 days
191 6.50% 181 days to 364 days
192
Slice Small Finance Bank
Small Finance Arunachal Pradesh +11 states
6.50% 6 months 1 day - 1 year
193 6.50% 181 days to 364 days
194 6.50% 181 days to 1 year
195 6.50% 180 to 365 days
196 6.50% 181 days to 364 days
197 6.50% 181 days to less than 1 year
198 6.50% 181 days to less than 1 year
199 6.50% 181 days to 364 days
200 6.50% 181 days to 210 days
201 6.50% 181 days to 364 days
202 6.50% From 111 days to 364 days
203 6.50% 181 days to 364 days
204 6.50% 181 days to 365 days
205 6.50% 181 days to 364 days
206 6.50% 181 days to 1 year
207 6.50% 181 days to less than 1 year
208 6.50% 181 days to 365 days
209 6.50% 91 days to 365 days
210 6.50% 181 days to 12 months
211 6.50% 181 days to 364 days
212 6.50% 180 days to 364 days
213 6.50% 181 days to 364 days
214 6.50% 180 days to 364 days
215 6.50% 180 days to below 1 year
216 6.50% 181 days to less than 1 year
217 6.50% 180 days to 364 days
218 6.50% 181 days to 365 days
219 6.50% 180 days to less than 1 year
220 6.50% 180 days to 210 days
221 6.50% 181 days to 1 year
222 6.50% 181 days to 364 days
223 6.50% 180 days to less than 1 year
224 6.50% 181 days to 364 days
225 6.50% 180 days to 364 days
226 6.50% 180 days to below 1 year
227 6.50% 181 days to 12 months
228 6.50% 180 days to 210 days
229 6.50% 181 days to 365 days
230 6.50% 180 days to 364 days
231 6.50% 181 days to 364 days
232 6.50% 180 days to 270 days
233 6.50% 181 days to less than 1 year
234 6.50% 181 days to 364 days
235 6.50% 181 DAYS TO 364 DAYS
236 6.50% 181 days to Below 1 year
237 6.50% 181 days to 364 days
238 6.50% 181 days to 364 days
239 6.50% 181 days to less than 1 year
240 6.50% 181 days to 365 days
241 6.50% 181 days to 365 days
242 6.50% 181 DAYS UPTO 12 MONTHS
243 6.50% 181 days to 364 days
244 6.50% 181 days to 1 year
245 6.50% 181 days to 12 months
246 6.50% 181 days to 364 days
247 6.50% 180 days to 364 days
248 6.50% 181 days to 364 days
249 6.50% 181 days to 1 year
250 6.50% 181 days to 364 days
251 6.50% 180 days to 364 days
252 6.50% 181 days to 364 days
253 6.50% 181 DAYS TO 364 DAYS
254 6.50% 181 DAYS to 364 DAYS
255 6.50% 181 days to 364 days
256 6.50% 91 days to 1 year
257 6.50% 181 days to 364 days
258 6.50% 181 days to 1 year
259
Andhra Pradesh Grameena Bank
Rural Andhra Pradesh
6.40% 180 days to 364 days
260
Apna Sahakari Bank Ltd.
Co-op Maharashtra
6.40% 181 days to 364 days
261 6.40% 181 days to less than 1 year
262 6.40% 181 days to 364 days
263 6.40% 180 days to 210 days
264
AU Small Finance Bank
Small Finance Nationwide
6.35% 6 months 1 day to 12 months
265
Equitas Small Finance Bank
Small Finance Andhra Pradesh +17 states
6.35% 181 - 210 days
266 6.35% 180 to 364 days
267 6.30% 180 days to 270 days
268
SBM Bank (India) Ltd.
Foreign Maharashtra
6.30% 181 days to 210 days
269 6.30% 181 days to 364 days
270
Tamilnad Mercantile Bank
Private Nationwide
6.30% 180-270 days
271 6.30% 180 to 270 days
272 6.30% 180 days to 210 days
273 6.25% 181 days to 12 months
274 6.25% 181 to 364 days
275 6.25% 181 days to less than 1 year
276 6.25% 181 days to 365 days
277
Bank of Bahrain & Kuwait B.S.C. (India)
Foreign Maharashtra +2 states
6.25% 181 days up to 1 year
278 6.25% 181 days to 1 year
279 6.25% 181 to 270 days
280 6.25% 181 days to 270 days
281 6.25% 181 days to 364 days
282 6.25% 181 days to less than 1 year
283 6.25% 181 day to 365 day
284 6.25% 180 to 270 days
285 6.25% 181 days to 12 months
286 6.25% 181 days to 1 year
287 6.25% 181 days to 1 years
288 6.25% 180 days to less than 1 year
289 6.25% 181 days to 365 days
290
6.25% 180 to 270 days
291 6.25% 181 DAYS TO 13 MONTHS
292 6.25% 181 days to one year
293 6.25% 180 days to 1 year
294 6.25% 180 days to 269 days
295 6.25% 180 days to 364 days
296
Karur Vysya Bank
Private Nationwide
6.25% 181 days to 270 days
297 6.25% 180 days to less than 1 year
298 6.25% 181 DAYS TO 364 DAYS
299 6.25% 181 to 364 days
300 6.25% 181 days to less than 1 year
301 6.25% 180 days to 210 days
302 6.25% 181 days to 365 days
303 6.25% 181 days to 365 days
304 6.25% 180 to 269 days
305 6.25% 181 days to less than 1 year
306 6.25% 181 days to 365 days
307 6.25% 181 days to 364 days
308 6.25% 181 days to 1 year
309 6.25% 181 days to less than 1 year
310 6.25% 181 days to 364 days
311
Tamil Nadu Grama Bank
Rural Tamil Nadu
6.25% 181 days to less than 1 year
312 6.25% 181 TO 364 DAYS
313 6.25% 181 days to 364 days
314 6.25% 181 to 365 days
315 6.25% 181 days to less than 1 year
316 6.25% 181 days to 1 years
317 6.25% 180 days to 364 days
318 6.25% 181 days to less than 1 year
319 6.25% 180 days to 210 days
320 6.25% 180 days to 364 days
321 6.25% 181 DAYS TO 365 DAYS
322 6.25% 181 days to less than 1 year
323 6.25% 180 DAYS TO LESS THAN 1 YEAR
324 6.25% 181 days to less than 12 months
325 6.25% 181 days to 365 days
326 6.25% 181 days to 364 days
327 6.25% 181 days to 364 days
328 6.25% 180 days to 364 days
329 6.25% 181 days to 364 days
330 6.25% 181 days to 365 days
331 6.25% 181 days to 9 months
332 6.25% 181 days to 1 year
333 6.25% 180 to less than 1 year
334 6.25% 181 DAYS TO 364 DAYS
335 6.25% 181 to 364 days
336 6.20% 180 to 364 days
337 6.20% 181 to 200 days
338 6.20% 181 days to 365 days
339 6.20% 181 to 269 days
340 6.20% 150 days to less than 1 year
341 6.20% 181 days to 364 days
342 6.20% 180 days to 270 days
343 6.20% 180 days to 210 days
344 6.15% 181 to 12 months
345
Shikshak Sahakari Bank Ltd.
Co-op Maharashtra
6.15% 181 days to 1 year
346 6.15% 181 to 270 days
347 6.15% 181 days upto 12 months
348 6.15% 180 days to less than 1 year
349 6.10% 181 days to less than 1 year
350 6.10% 181 to 270 days
351 6.10% 181 days to less than 1 year
352
Telangana Grameena Bank
Rural Telangana
6.10% 180 days to 270 days
353 6.10% 181 days to less than 1 year
354 6.10% 180 days to 364 days
355 6.10% 181 days to Less than 12 months
356 6.10% 181 days to 269 days
357
Mizoram Rural Bank
Rural Mizoram
6.05% 181 days to less than 1 year
358 6.05% 181-364 days
359
Rajasthan Gramin Bank
Rural Rajasthan
6.05% 180 days to less than 1 year
360 6.05% 180 days to 210 days
361 6.05% 180 days to 210 days
362 6.05% 181 days to 270 days
363 6.05% 180 days to 210 days
364 6.05% 180-270 days
365 6.05% 181 days to 364 days
366 6.00% 180 days to 364 days
367 6.00% 181 days to 399 days
368 6.00% From 181 days to Below 1 year
369 6.00% 182 days to less than 1 years
370 6.00% 180 days to less than 1 year
371 6.00% 181 to 365 days
372 6.00% 180 days to 1 year
373 6.00% 181 to 364 days
374 6.00% 181 days to 1 year
375 6.00% 180 days to less than 1 year
376 6.00% 181 to 364 days
377 6.00% 181 days to less than 1 year
378 6.00% 180 days to 269 days
379 6.00% 180 days to 364 days
380 6.00% 181 to 364 days
381
City Union Bank
Private Nationwide
6.00% 181 days to 270 days
382 6.00% 181 days to 364 days
383
DCB Bank
Private Nationwide
6.00% 6 months to less than 10 months
384 6.00% 181 days to 12 months
385 6.00% Above 181 days up to 1 year
386 6.00% 181 days to 364 days
387 6.00% 91 days to less than 1 year
388 6.00% 181 days to less than 1 year
389 6.00% 181 days to less than 1 year
390 6.00% 181 days to 300 days
391 6.00% 90 days to 1 year
392 6.00% 180 days to 1 year
393
Federal Bank
Private Nationwide
6.00% 181 days to 270 days
394 6.00% 180 days to 210 days
395 6.00% 180 days to 270 days
396 6.00% 181 days to 1 year
397 6.00% 180 days to less than 1 year
398 6.00% 181 days to 364 days
399 6.00% 180 to 270 days
400 6.00% 180 days to less than 1 year
401
Kerala Gramin Bank
Rural Kerala
6.00% 180 days to 269 days
402 6.00% 181 DAYS TO 364 DAYS
403 6.00% 180 days to less than 1 year
404 6.00% 181 days to less than 1 year
405 6.00% 181 days to 12 months (364 days)
406 6.00% 181 days to 270 days
407 6.00% 181 to 364 days
408 6.00% 181 days to 1 year
409 6.00% 181 to 364 days
410 6.00% 181 days to 269 days
411 6.00% 181 days to 365 days
412 6.00% 181 days to 364 days
413 6.00% 180 to 270 days
414
Pravara Sahakari Bank Ltd.
Co-op Maharashtra
6.00% 181 days to 364 days
415
Punjab National Bank
Public Nationwide
6.00% 180 to 270 days
416 6.00% 181 days to 365 days
417 6.00% 181 days to 1 year
418 6.00% 180 to 364 days
419 6.00% 181 days to 12 months
420 6.00% 181 to 364 days
421 6.00% 180 to 364 days
422 6.00% 180 days to 364 days
423
Samata Sahakari Bank Ltd.
Co-op Maharashtra
6.00% 181 days to 364 days
424 6.00% 181 days to 365 days
425 6.00% 181 days to 1 year
426 6.00% 181 days to 364 days
427 6.00% 180 days to less than 1 year
428 6.00% 181 days to 12 months
429 6.00% 181 days TO 364 days
430 6.00% 181 DAYS TO LESS THAN 1 YEAR
431 6.00% 181 days - 1 year
432 6.00% 181 days to 269 days
433
Shivalik Small Finance Bank
Small Finance Delhi +9 states
6.00% 6 months to less than 9 months
434 6.00% 181 days to 365 days
435 6.00% 91 DAYS TO less than 1 YEAR
436 6.00% 181 days to 365 days
437 6.00% 181 days to 365 days
438 6.00% 181 days to 1 year
439 6.00% 181 days to 364 days
440 6.00% 6 months to 12 months
441 6.00% 181 days to 12 months
442 6.00% 181 days to 365 days
443 6.00% 181 days to 13 months
444 6.00% 181 days to 364 days
445 6.00% 180 to 270 days
446 6.00% 180 days to less than 1 year
447 6.00% 181 to 364 days
448 6.00% 181 days to 210 days
449 6.00% 181 DAYS TO 1 YEAR
450 6.00% 181 days to 364 days
451 6.00% 181 days to 364 days
452 6.00% 181 days to less than 1 year
453 6.00% 181 days to 364 days
454 6.00% 181 days to 1 year
455 6.00% 181 days to 12 months
456 6.00% 181 days to 364 days
457 6.00% 181 days to less than 1 year
458 6.00% 181 days to less than 1 year
459 6.00% 181 days to 1 year
460 6.00% 181 DAYS TO LESS THAN 12 MONTHS
461 6.00% 181 days to 275 days
462 6.00% 181 days to less than 1 year
463 6.00% 180 days to 269 days
464 6.00% 181 days to less than 1 year
465 6.00% 181 days to 270 days
466 6.00% 181 days to less than 1 year
467 6.00% 181 days to 364 days
468 6.00% 181 days to less than 1 year
469 6.00% 181 days to 270 days
470 6.00% From 181 days to 12 months
471 6.00% 181 days to 12 months
472 6.00% 180 days to less than 1 year
473 6.00% 181 days to 364 days
474 6.00% 182 days to less than 9 months
475 6.00% 181 days to less than 1 year
476 6.00% 181 days to 1 year
477 6.00% 181 DAYS to 270 DAYS
478 6.00% 181 days to 1 year
479 6.00% 181 to 364 days
480 6.00% 180 days to 210 days
481 6.00% 180 days to 210 days
482 6.00% 181 days to 1 years
483 6.00% 181 to 1 year
484 6.00% 180 days to 269 days
485 6.00% 181 DAYS TO less than 1 YEAR
486 6.00% 180 days to 270 days
487 6.00% 180 days to 364 days
488 6.00% 181 days to 364 days
489 6.00% 180 to 364 days
490 6.00% 181 DAYS TO 1 YEAR BELOW
491 6.00% 181 days to 365 days
492 6.00% 180 days to 364 days
493 6.00% 181 DAY TO UNDER 1 YEAR
494 6.00% 181 days to 1 year
495 6.00% 181 days to less than 1 year
496 6.00% 181 days to 1 year
497 6.00% 181 days to 1 year
498 6.00% 181 days to below 1 year
499 6.00% 181 days to 1 year
500 6.00% 181 days to 364 days
501 6.00% 180 days to less than 1 year
502 6.00% 181 days up to 364 days
503 6.00% 181 days to less than 1 year
504 6.00% 181 to 365 days
505 6.00% 181 days to 220 days
506 6.00% 181 days to less than 1 year
507 6.00% 181 days to 395 days
508 6.00% 181 DAYS TO 364 DAYS
509 6.00% 181 days to 240 days
510 6.00% 180 days to 364 days
511 6.00% 180 DAYS TO 210 DAYS
512 6.00% 181 days to 365 days
513 6.00% 181 days to 365 days
514 6.00% 180 days to less than 12 months
515 6.00% 181 days to less than 1 year
516 6.00% 181 days to 364 days
517 6.00% 181 days to 365 days
518 6.00% 181 days to 364 days
519 6.00% 181 days to 364 days
520 6.00% 180 days to 210 days
521 6.00% 181 days up to 1 year
522 6.00% 181 days to 1 year
523 6.00% 181 days to 1 year
524 6.00% 180 days to 364 days
525 6.00% 180 days to 364 days
526 6.00% 181 DAYS TO 270 DAYS
527 6.00% 181 days to 1 year
528 6.00% 181 days and above up to below 1 year
529 6.00% 181 days to 364 days
530 6.00% 181 days to 269 days
531 6.00% 181 days up to 12 months
532
TJSB Sahakari Bank Ltd.
Co-op Maharashtra +6 states
6.00% 181 days to less than 12 months
533 6.00% From 181 days to 1 year
534
Utkarsh Small Finance Bank
Small Finance Nationwide
6.00% 181 days to 370 days
535 6.00% 181 days to 1 year
536 6.00% 181 to 364 days
537 6.00% 181 to 364 days
538 6.00% 181 DAYS TO 364 DAYS
539 6.00% 181 to 364 days
540
Yes Bank
Private Nationwide
6.00% 181 days to 271 days
541 6.00% 181 days to 210 days
542 5.95% 181 days to 1 year
543 5.90% 181 days to less than 1 year
544
Jammu & Kashmir Bank
Private Nationwide
5.90% 181 days to 270 days
545
Jammu and Kashmir Grameen Bank
Rural Jammu and Kashmir
5.90% 181 days to 270 days
546
Karnataka Bank
Private Nationwide
5.90% 180 days to below 1 year
547 5.90% 180 days to below 1 year
548 5.90% 181 DAYS TO LESS THAN 1 year
549 5.90% 181 DAYS TO less than 1 year
550
The J&K State Co-operative Bank Ltd.
Co-op Jammu and Kashmir
5.90% 181 days to 270 days
551 5.90% 180 days to 210 days
552 5.90% 180 days to less than 1 year
553 5.90% 180 days to 210 days
554
5.85% 180 days to less than 1 year
555 5.85% 180 days to 210 days
556
Punjab Gramin Bank
Rural Punjab
5.85% 180 to 270 days
557 5.85% 181 days to 1 year
558
Arunachal Pradesh Rural Bank
Rural Arunachal Pradesh
5.80% 180 days to 240 days
559 5.80% 180 days to 210 days
560 5.80% 181 days to 364 days
561
Bihar Gramin Bank
Rural Bihar
5.80% 180 days to 270 days
562 5.80% 180 days to 1 year
563
DBS Bank India
Foreign Andhra Pradesh +18 states
5.80% 182 days to 189 days
564
Doha Bank Q.P.S.C. (India)
Foreign Maharashtra +1 state
5.80% Above 3 months to 6 months
565 5.80% 180 days to less than 1 year
566 5.80% 180 to 364 days
567 5.80% 180 days to 210 days
568 5.80% 180 days to 210 days
569 5.80% 180 days to 364 days
570 5.80% 181 days to 364 days
571 5.80% 181 days to 1 year
572
The Jain Sahakari Bank Ltd.
Co-op Maharashtra +1 state
5.80% 180 days to 210 days
573 5.80% 180 days to 210 days
574 5.80% 181 days to 270 days
575
Andaman & Nicobar State Co-operative Bank
Co-op Andaman and Nicobar Islands
5.75% 181 to 269 days
576 5.75% 181 to 364 days
577 5.75% 181 to 364 days
578 5.75% 181 days to less than 1 year
579 5.75% 180 to 364 days
580 5.75% 181 to 364 days
581 5.75% 181 days to less than 1 year
582 5.75% 181 DAYS TO 270 DAYS
583 5.75% 180 days to 270 days
584 5.75% 6 months to 11 months
585 5.75% 181 days to less than 1 year
586 5.75% 180 to 364 days
587 5.75% 181 days to 365 days
588 5.75% 181 days to 364 days
589
Daman & Diu State Co-operative Bank
Co-op Dadra and Nagar Haveli and Daman and Diu
5.75% 180 days to under 1 year
590 5.75% 181 days to less than 1 year
591 5.75% 181 days to less than 1 year
592 5.75% 181 days to less than 1 year
593 5.75% 180 to 364 days
594 5.75% 181 to 364 days
595 5.75% 180 days to 270 days
596
GP Parsik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
5.75% 181 days to below 365 days
597 5.75% 181 days to less than 1 year
598 5.75% 181 days to less than 1 year
599
Haryana Gramin Bank
Rural Haryana
5.75% 180 to 270 days
600
IndusInd Bank
Private Nationwide
5.75% 181 days to 210 days
601 5.75% 180 to 366 days
602 5.75% 181 days to 270 days
603 5.75% 181 to 12 months
604 5.75% 181 days to less than 1 year
605 5.75% From 181 days to 1 year
606 5.75% 181 daysto 364 days
607 5.75% 181 to 364 days
608 5.75% 180 days to 210 days
609 5.75% 181 days to 270 days
610 5.75% 181-364 days
611 5.75% 181 to 364 days
612 5.75% 181 days - 364 days
613 5.75% 181 days to 364 days
614 5.75% 181 days to less than 364 days
615
Puducherry Grama Bank
Rural Puducherry
5.75% 181 - 269 days
616 5.75% From 91 days to 1 year
617 5.75% 181 days to less than 15 months
618 5.75% 180 to 364 days
619 5.75% 180 to 270 days
620 5.75% 181 days to 240 days
621 5.75% 180 to 364 days
622 5.75% 181 days to less than 1 year
623
Standard Chartered India
Foreign Andhra Pradesh +17 states
5.75% 181-210 days
624 5.75% 181 days to 12 months
625 5.75% 181 days to below 1 year
626 5.75% 181 days to 299 days
627 5.75% 181 days to 364 days
628 5.75% 181 days to 364 days
629 5.75% 181 days to 12 months
630 5.75% 181 days to less than 1 year
631 5.75% 181 days to 364 days
632 5.75% 181 days to 365 days
633 5.75% 181 days to less than 12 months
634 5.75% 181 days to 12 months
635 5.75% 181 days to 394 days
636 5.75% 181 days to less than 1 year
637 5.75% 181 days to 364 days
638 5.75% 181 DAYS TO 364 DAYS
639 5.75% 181 days to 364 days
640 5.75% 181 days upto 364 days
641 5.75% 181 days to 1 year
642 5.75% 180 days to 270 days
643 5.75% 180 days to 210 days
644 5.75% 181 days - 364 days
645 5.75% 181 days to less than 12 months
646 5.75% 181 days to 240 days
647 5.75% Above 181 days to 270 days
648 5.75% 181 DAYS TO 364 DAYS
649 5.75% 180 days to 210 days
650 5.75% 180 DAYS TO 210 DAYS
651 5.75% 181 days to 364 days
652 5.75% 181 days to 364 days
653 5.75% 181 days to 364 days
654 5.75% 181 days to 1 year
655 5.75% 181 to 364 days
656 5.75% Above 6 months to 9 months
657 5.75% 180 days to 210 days
658 5.75% 181 days to under 1 year
659 5.75% 181 days to 365 days
660 5.75% 181 to 364 days
661
Zila Sahakari Bank Ltd. Basti
Co-op Uttar Pradesh
5.75% 181 days to less than 1 year
662 5.71% 180 days to less than 1 year
663 5.70% 180 days to 270 days
664 5.70% 181 days to less than 1 year
665 5.70% 180 days to 210 days
666
Tripura Gramin Bank
Rural Tripura
5.70% 180 days to 210 days
667
HDFC Bank
Private Nationwide
5.65% 6 months 1 day <=9 months
668 5.65% 181 days to less than 1 year
669
State Bank of India
Public Nationwide
5.65% 180 days to 210 days
670 5.65% 101 to 199 days
671 5.65% 180 days to 210 days
672 5.65% 180 days to 210 days
673 5.65% 6 months to 7 months
674
Uttarakhand Gramin Bank
Rural Uttarakhand
5.65% 181 days to less than 1 year
675 5.60% 181 days to 270 days
676 5.60% 180 days to 364 days
677 5.60% 181 days to less than 1 year
678 5.60% 180 days to less than 1 years
679 5.60% 181 days to 270 days
680 5.55% 181 days to 364 days
681 5.55% 181 days to less than 1 year
682 5.50% 181 days to 394 days
683
Agra Zilla Sahakari Bank Ltd.
Co-op Uttar Pradesh
5.50% 181 days to less than 1 year
684 5.50% 181 days to less than 1 year
685 5.50% 180 days to Less than 1 year
686 5.50% 181 days to less than 1 year
687
Axis Bank
Private Nationwide
5.50% 6 months < 9 months
688 5.50% 180 days to 269 days
689
Bank of Baroda
Public Nationwide
5.50% 181 days to 210 days
690
Bank of India
Public Nationwide
5.50% 180 days to 210 days
691 5.50% 181 days to 12 months
692 5.50% 181 days to less than 1 years
693 5.50% 181 days to 1 year
694 5.50% 180 days to less than 1 year
695
Capital Small Finance Bank
Small Finance Chandigarh +7 states
5.50% 180 days to less than 1 year
696
Central Bank of India
Public Nationwide
5.50% 180 to 270 days
697
Chhattisgarh Gramin Bank
Rural Chhattisgarh
5.50% 180 days to 240 days
698 5.50% 181 days to 365 days
699 5.50% 91 days to 364 days
700
CSB Bank
Private Nationwide
5.50% 6 months to less than 9 months
701 5.50% 180 days - 364 days
702 5.50% 181 days to 364 days
703
Dhanlaxmi Bank
Private Andhra Pradesh +15 states
5.50% 180 days to less than 1 year
704 5.50% 181 days to less than 1 year
705 5.50% 181 to 269 days
706 5.50% 181 days to 364 days
707 5.50% 181 to 269 days
708 5.50% 181 to 240 days
709 5.50% 181 days to 12 months
710 5.50% 180 days to 210 days
711 5.50% 181 to 364 days
712 5.50% 91 days to 364 days
713
IDBI Bank
Private Nationwide
5.50% 6 months 1 day to 270 days
714 5.50% 180 days to 364 days
715 5.50% 181 days to less than 1 year
716 5.50% 181 days to less than 1 year
717 5.50% 181 to 210 days
718 5.50% 181 DAYS TO 1 YEAR
719 5.50% 181 to 269 days
720 5.50% 181 days to less than 1 year
721 5.50% 181 days to less than 1 year
722 5.50% 180 days to less than 1 year
723 5.50% 181 days to 1 year
724 5.50% 91 days to less than 1 year
725 5.50% 180 days to 270 days
726 5.50% 181 days to 364 days
727 5.50% 181 to 274 days
728
Kotak Mahindra Bank
Private Nationwide
5.50% 181 days to 269 days
729 5.50% 181 days to 12 months
730
Madhya Pradesh Gramin Bank
Rural Madhya Pradesh
5.50% 180 days to 269 days
731 5.50% 181 days to 364 days
732 5.50% 181 days to 365 days
733 5.50% 181 days to 364 days
734
Manipur Rural Bank
Rural Manipur
5.50% 181 days to 269 days
735 5.50% 180 days to less than 1 year
736
Meghalaya Rural Bank
Rural Meghalaya
5.50% 181 days and less than 1 year
737
Nagaland Rural Bank
Rural Nagaland
5.50% 181 days to less than 1 year
738 5.50% 181 days to 1 year
739 5.50% 181 days to below 1 year
740 5.50% 181 days to less than 1 year
741 5.50% 181 days to 365 days
742 5.50% 181 days to 395 days
743 5.50% 181 days to 364 days
744 5.50% 181 days to 365 days
745
RBL Bank
Private Nationwide
5.50% 181 days to 240 days
746 5.50% 180 days to less than 12 months
747 5.50% 181 days to 364 days
748 5.50% 181 days to 270 days
749
Shalini Sahakari Bank Ltd.
Co-op Maharashtra
5.50% 180 days to 210 days
750 5.50% 181 days to 1 year
751 5.50% 181 days to 365 days
752 5.50% 181 days to 365 days
753 5.50% Above 46 days up to 1 year
754 5.50% 181 days to 364 days
755 5.50% 181 days to 1 year
756 5.50% 181 days to 365 days
757 5.50% 181 days to 1 year
758
South Indian Bank
Private Nationwide
5.50% 181 days to 270 days
759 5.50% 181 days to 1 years
760 5.50% 181 days to 1 year
761 5.50% 181 days to 1 year
762
Suryoday Small Finance Bank
Small Finance Gujarat +5 states
5.50% Above 6 month 1 day to 9 months
763 5.50% 181 days to Less than 12 months
764 5.50% 181 days to 364 days
765 5.50% 181 days to 365 days
766 5.50% 181 days 364 days
767 5.50% 180 days to less than 1 year
768 5.50% 181 days to 364 days
769 5.50% 181 days to less than 1 year
770 5.50% (3) 181 days to Below 12 months
771 5.50% 181 to 269 days
772 5.50% 181 days TO 365 days
773 5.50% 181 days to less than 12 months
774 5.50% 91 DAYS TO 364 DAYS
775 5.50% 181 days to less than 1 year
776 5.50% 180 days to less than 1 year
777 5.50% 181 days to 364 days
778 5.50% 181 days to 364 days
779 5.50% 181 days to 364 days
780 5.50% 181 days to less than 1 year
781 5.50% 91 days to 364 days
782 5.50% 181 days to 365 days
783 5.50% 181 days to 365 days
784 5.50% 181 days to 365 days
785 5.50% 181 days to 364 days
786 5.50% 180 days to 364 days
787 5.50% 181 days to 270 days
788 5.50% 181 DAYS TO 364 DAYS
789 5.50% 181 days to 364 days
790 5.50% From 181 days to 365 days
791 5.50% 180 days to 365 days
792 5.50% 182 days to less than 1 year
793 5.50% 91 days to 364 days
794 5.50% 181 DAYS TO 12 MONTH
795 5.50% 181 days to 1 year
796 5.50% 181 days to less than 1 year
797 5.50% 181 days to 365 days
798 5.50% 181 days to 364 days
799 5.50% 181 days to 365 days
800 5.50% 180 days to 270 days
801 5.50% 181 DAYS to 364 DAYS
802 5.50% 181 days to 363 days
803 5.50% 181 days to 364 days
804 5.50% 181 days to 360 days
805 5.50% 91 days to 365 days
806 5.50% 181 days to 364 days
807 5.50% 181 days to below 1 year
808 5.50% 101 days to 549 days
809 5.50% 181 DAYS TO 364 DAYS
810 5.50% 180 days to 270 days
811 5.50% 180 days to less than 1 year
812 5.50% 180 days to less than 1 year
813 5.50% 180 days to Less than 1 year
814 5.50% 181 days to 12 months
815 5.50% 180 days to 210 days
816 5.50% 181 days to 1 years
817
The Zoroastrian Co-operative Bank Ltd.
Co-op Maharashtra +1 state
5.50% 181 days to less than a year
818 5.50% 181 to 365 days
819
Ujjivan Small Finance Bank
Small Finance Nationwide
5.50% 6 months to < 1 year
820 5.50% 181 days to Below 365 days
821
Unity Small Finance Bank
Small Finance Nationwide
5.50% 165 days - 6 months
822 5.50% 181 days to under 1 year
823 5.50% 181 days to 12 months
824 5.50% 101 days to 250 days
825
Vikas Sahakari Bank Ltd.
Co-op Maharashtra
5.50% 181 days to 1 year
826 5.50% 181 days to 365 days
827
West Bengal Gramin Bank
Rural West Bengal
5.50% 180 days to 270 days
828 5.50% 181 days to 210 days
829 5.40% 180 days to less than 1 years
830 5.40% 180 days to 210 days
831 5.40% 181 days to 1 year
832
Union Bank of India
Public Nationwide
5.40% 181 to 270 days
833 5.35% 181 days to 270 days
834 5.35% 180 days to less than 1 year
835 5.35% 151 to 183 days
836 5.35% 181 days to less than 1 year
837 5.35% 180 days to less than 1 year
838 5.30% 181 days to less than 1 year
839 5.30% 180-365 days
840 5.30% 181 days to 365 days
841
Barclays Bank PLC (India)
Foreign Maharashtra
5.26% 180 days to 209 days
842 5.25% 181 to 365 days
843 5.25% 180 to 269 days
844 5.25% 180 days to 270 days
845 5.25% 91 days to less than 1 year
846 5.25% 180 days to 1 year
847
Canara Bank
Public Nationwide
5.25% 180 days to 269 days
848 5.25% 181 days to 270 days
849 5.25% 181 days to 364 days
850 5.25% 181 days to less than 1 year
851
Gujarat Gramin Bank
Rural Gujarat
5.25% 181 days to 270 days
852 5.25% 181 days to 1 year
853 5.25% 180 to 269 days
854 5.25% 181 days to 364 days
855
Himachal Pradesh Gramin Bank
Rural Himachal Pradesh
5.25% 180 to 270 days
856 5.25% 180 days to 210 days
857 5.25% 180 days to 270 days
858
Karnataka Grameena Bank
Rural Karnataka
5.25% 180 days to 269 days
859 5.25% 181 days to less than 1 year
860 5.25% 181 days to 365 days
861 5.25% 180 days to less than 1 year
862 5.25% 180 days to 210 days
863 5.25% 180 days to 270 days
864 5.25% 181 to 269 days
865 5.25% 180 days to 364 days
866 5.25% 180 days to 1 years below
867 5.25% 180 days to 364 days
868 5.25% 180 days to 210 days
869 5.25% 181 days to 270 days
870 5.25% 180 days to 270 days
871 5.25% 181 Davs to 364 days
872 5.25% 180 days to 363 days
873 5.25% 180 days to 210 days
874 5.25% 181 days to 12 months
875 5.25% 181 days to 364 days
876 5.25% 180 days to less than 1 year
877 5.25% 181 days up to 1 year
878 5.25% 181 days - 364 days
879 5.25% 180 days to 364 days
880 5.25% 180 days to 364 days
881 5.25% 181 days up to 12 month
882 5.25% 180 DAYS TO 364 DAYS
883 5.25% 181 days to 364 days
884 5.25% 181 days to 210 days
885 5.25% 181 days to 364 days
886 5.25% 180 days to 270 days
887 5.25% 91 days to 365 days
888 5.25% 180 days to 210 days
889 5.25% 181 DAYS TO 364 DAYS
890 5.25% 181 days to 269 days
891 5.25% 180 days to 210 days
892 5.25% 181 days to 12 months
893 5.25% 180 days to 270 days
894 5.25% 181 days to 364 days
895 5.20% 181 days to less than 1 year
896 5.20% 180 days to less than 1 year
897 5.10% 181 days to 364 days
898 5.10% 181 days to less than 1 year
899 5.05% 180 days to Less than 1 year
900
MUFG Bank, Ltd. (India)
Foreign Maharashtra
5.05% 181 days up to 270 days
901 5.00% 180 to 270 days
902 5.00% 181 days to less than 1 year
903
Arvind Sahakari Bank Ltd.
Co-op Maharashtra
5.00% 181 days to 365 days
904 5.00% 180 to 209 days
905
Bank of Maharashtra
Public Nationwide
5.00% 181 - 270 days
906 5.00% 181 days to Below 1 year
907
Bombay Mercantile Co-operative Bank Ltd.
Co-op Maharashtra +1 state
5.00% 180 days to 210 days
908 5.00% 181 to 270 days
909 5.00% 181 days to 1 year
910 5.00% 90 days to less than 12 months
911
Deutsche Bank India
Foreign Delhi +8 states
5.00% 181 - 270 days
912 5.00% 181 days to less than 1 year
913 5.00% 182 days to 274 days
914 5.00% 181 days to 364 days
915 5.00% 6 month to 9 month
916 5.00% 181 days to 364 days
917 5.00% 180 days to Less than 1 year
918 5.00% 181 to 270 days
919 5.00% 181 days to 365 days
920 5.00% 181 day to 364 days
921 5.00% 181 DAYS UPTO 365 DAYS
922 5.00% 181 days to 364 days
923 5.00% 180 days to less than 1 year
924 5.00% 181 days to 365 days
925 5.00% 181 days to 364 days
926 5.00% 181 days to 364 days
927 5.00% 181 days to 14 months
928 5.00% 181 days to 364 days
929 5.00% 181 to less than 1 year
930 5.00% 181 days to 365 days
931 5.00% 181 days to 1 years below
932 5.00% 180 days to 210 days
933 5.00% 90 to 364 days
934 5.00% 181 days to 365 days
935 5.00% 180 days to less than 1 year
936 5.00% 181 days to 1 year
937 5.00% 181 days to 364 days
938 5.00% 180 days to less than 1 year
939 5.00% 180 days to less than 1 year
940 5.00% 180 days to 270 days
941 5.00% 181 days to 364 days
942 5.00% 180 days to 250 days
943 5.00% 6 months to 11 months
944 5.00% 180 days to 269 days
945 5.00% 180 days to 210 days
946 5.00% 181 days to less than 1 year
947 5.00% 6 months to 12 months
948 5.00% 181 days to 1 year
949 5.00% 181 days to 1 year
950 5.00% 180 days to 1 year
951 5.00% 181 days to 365 days
952 5.00% 181 DAYS TO 270 DAYS
953 5.00% 181 days to 365 days
954 5.00% 181 days to 364 days
955 5.00% 181 days to 12 months
956 5.00% 181 days to 364 days
957 5.00% 181 days to 364 days
958 5.00% 181 DAYS TO 364 DAYS
959 5.00% 181 days to 12 months
960
UCO Bank
Public Nationwide
5.00% 181 to 332 days
961 5.00% 91 days to less than 12 months
962 5.00% 181 days to 365 days
963
Nainital Bank
Private Delhi +5 states
4.95% 180 days to less than 270 days
964 4.95% 181 days to 365 days
965 4.90% 181 to 269 days
966
Mizuho Bank, Ltd. (India)
Foreign Maharashtra
4.90% 181 days to 196 days
967
Punjab & Sind Bank
Public Nationwide
4.85% 180 to 364 days
968 4.80% 91 days to 1 year
969 4.75% 181 days to 269 days
970 4.75% 91 days to 270 days
971 4.75% 181 days to 365 days
972 4.75% 180 days to 364 days
973 4.75% 91 DAYS to Below 1 YEAR
974 4.75% 91 days to 364 days
975 4.75% 181 DAYS TO LESS than 1 year
976 4.75% 180 days to 364 days
977 4.75% 181 days to 270 days
978 4.75% 151 days to 210 days
979 4.75% 181 days to 269 days
980 4.75% 6 months to less than 1 year
981 4.75% 181 days to 270 days
982 4.75% 181 DAYS to 364 DAYS
983 4.75% 180 DAYS to 364 DAYS
984 4.75% 181 days to 289 days
985 4.70% 180 to 1 year
986 4.60% 181 day to 270 day
987 4.50% 181 days to 270 days
988 4.50% 181 days to 364 days
989 4.50% 181 to 269 days
990
ICICI Bank
Private Nationwide
4.50% 91 to 184 days
991
Indian Bank
Public Nationwide
4.50% 181 to less than 9 months
992
Indian Overseas Bank
Public Nationwide
4.50% 180-269 days
993 4.50% 181 days to 1 year
994 4.50% 181 to 01 year
995
Odisha Grameen Bank
Rural Odisha
4.50% 180 days to 210 days
996 4.50% 181 days to 365 days
997 4.50% 181 days to 364 days
998 4.50% 181 days to 1 year
999 4.50% 30 DAYS to 12 months
1000 4.50% 181 days to 1 year
1001 4.50% 90 days to 364 days
1002 4.50% 181 to 364 days
1003 4.50% 181 days to 364 days
1004 4.50% 180 days to 364 days
1005 4.50% 181 days to 270 days
1006 4.50% 181 days to 364 days
1007 4.50% 46 day to 190 days
1008 4.50% 181 days to 364 days
1009 4.50% 91 days to 364 days
1010 4.50% 181 days to 365 days
1011 4.50% 181 DAYS TO UNDER 1 YEAR
1012 4.50% 180 DAYS TO 269 DAYS
1013 4.50% 181 days to 365 days
1014 4.50% 46 days to 270 days
1015 4.50% 46 day to 322 day
1016 4.50% 180 days to 210 days
1017 4.50% 46 day to 190 days
1018 4.50% 181 DAYS to 364 DAYS
1019 4.50% 91 days to 1 year
1020
Uttar Pradesh Gramin Bank
Rural Uttar Pradesh
4.50% 180 days to 269 days
1021 4.50% 180 days to 269 days
1022 4.44% 180 days to 194 days
1023 4.40% 181 days to less than 1 year
1024
Bharati Sahakari Bank Ltd.
Co-op Maharashtra
4.30% 181 days upto 365 days
1025 4.25% 91 days to 364 days
1026 4.25% 45 days to Below 12 month
1027 4.25% 181 days to 12 months
1028
Bandhan Bank
Private Nationwide
4.20% 6 months to less than 1 year
1029 4.10% 181 days to 364 days
1030 4.10% 181 days to 1 year
1031
ESAF Small Finance Bank
Small Finance Nationwide
4.00% 91 days to 182 days
1032 4.00% 181 days to 270 days
1033 4.00% 180 days to less than 1 year
1034 4.00% 91 DAYS to 365 DAYS
1035 3.75% 181 days to 1 year
1036
BNP Paribas (India)
Foreign Maharashtra
3.50% 181 days to 731 days
1037 3.50% 181 days to 365 days
1038
HSBC India
Foreign Andhra Pradesh +13 states
3.25% 181 to 269 days
1039
Bank of America, N.A. (India)
Foreign Maharashtra
3.15% 181 days to 365 days
1040
Citibank N.A. (India)
Foreign Maharashtra
1.75% 181 days to 270 days

Best FD rate by tenure

Tap a tenure for the full ranking

Looking for the best 6 months fixed deposit rate? A 6 months FD locks your money for 6 months at a rate fixed for the full term, so you know your maturity value the day you invest. As of 14 Nov 2026, the highest 6 months FD rate we track is 8.10% at Rajapur Urban Co-operative Bank Ltd., Rajapur.

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 6 months FD rate in India right now?

As of 14 Nov 2026, Rajapur Urban Co-operative Bank Ltd., Rajapur offers the highest 6 months FD rate at 8.10% p.a. for general depositors. Other top options include Chaitanya Mahila Bank at 8.00% and Devi Gayatri Co-op Bank at 8.00%. Always confirm the current rate on the bank's official website before investing.

Which type of bank offers the best 6 months fixed deposit rates?

Both private sector banks and small finance banks regularly offer competitive 6 months 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 6 months FDs?

Yes. Senior citizens (aged 60+) typically earn 0.25%–0.75% p.a. more than the general rate. For 6 months FDs, Devi Gayatri Co-op Bank currently offers the highest senior citizen rate at 8.50% p.a. (as of 14 Nov 2026).

Is TDS deducted on 6 months 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.

FD rates in India on 4 November 2026: what ₹5 lakh could earn
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