Best 6 months FD rates · October 2026

Q: What is the highest 6 months FD rate in India right now?

As of 19 Oct 2026, Jilla Sahakari Kendriya Bank Maryadit, Dewas offers the highest 6 months FD rate at 7.50% p.a. for general depositors. Other top options include JSKB Jhabua at 7.50% and Akhand Anand Bank at 7.10%. Always confirm the current rate on the bank's official website before investing.

Q: 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.

Q: 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, JSKB Dewas currently offers the highest senior citizen rate at 7.50% p.a. (as of 19 Oct 2026).

Q: 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.

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

Rates updated 19 Oct 2026

Best 6 months FD rates

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

#	Bank	Rate	Applies to
1	Jilla Sahakari Kendriya Bank Maryadit, Dewas Co-operative Madhya Pradesh	7.50%	181 to 364 days
2	Jilla Sahakari Kendriya Bank Maryadit, Jhabua Co-operative Madhya Pradesh	7.50%	181 to 364 days
3	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.10%	181 days upto less than 1 year
4	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	181 days to 1 year
5	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.00%	180 days to less than 1 year
6	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.00%	180 to 364 days
7	Kerala State Co-operative Bank Co-operative Kerala	7.00%	180 to 364 days
8	Kolar and Chikkaballapur District Central Co-operative Bank Co-operative Karnataka	7.00%	181 to 365 days
9	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.00%	180 to 364 days
10	Sangli District Central Co-operative Bank Co-operative Maharashtra	7.00%	91 to 364 days
11	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.00%	180 to 364 days
12	Nagaland State Co-operative Bank Co-operative Nagaland	6.85%	180 days to 1 year
13	Central Co-operative Bank Sawai Madhopur Co-operative Rajasthan	6.75%	181 to 364 days
14	Kurukshetra District Central Co-operative Bank Co-operative Haryana	6.75%	180 days to 1 year
15	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	6.75%	181 to 364 days
16	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.75%	181 days to 364 days
17	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	6.60%	180 days to 1 year
18	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	6.60%	180 to 270 days
19	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	6.55%	180 to 270 days
20	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.50%	181 days to less than 1 year
21	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.50%	180 days to 1 year
22	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	6.50%	181 to 364 days
23	Hyderabad District Central Co-operative Bank Ltd. Co-operative Telangana	6.50%	181 days to less than 1 year
24	IDFC First Bank Private Nationwide	6.50%	181 days – less than 1 year
25	Jana Small Finance Bank Small Finance Nationwide	6.50%	181 days - 270 days
26	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.50%	181 to 270 days
27	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.50%	180 to 364 days
28	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	181 days to 364 days
29	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	6.50%	181 to 364 days
30	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	6.50%	180 to 270 days
31	Mysore City District Co-operative Central Bank Co-operative Karnataka	6.50%	181 to 364 days
32	Nayagarh District Central Co-operative Bank Co-operative Odisha	6.50%	181 to 364 days
33	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	6.50%	180 to 270 days
34	Odisha State Co-operative Bank Co-operative Odisha	6.50%	181 days to less than 1 yr
35	Raichur District Co-operative Central Bank Co-operative Karnataka	6.50%	181 to 364 days
36	Surendranagar District Central Co-operative Bank Co-operative Gujarat	6.50%	180 to 365 days
37	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	6.50%	180 days to less than 1 year
38	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.40%	181 days to 364 days
39	AU Small Finance Bank Small Finance Nationwide	6.35%	6 months 1 day to 12 months
40	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	6.35%	181 - 210 days
41	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.35%	180 to 364 days
42	Tamilnad Mercantile Bank Private Nationwide	6.30%	180-270 days
43	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.25%	181 to 364 days
44	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	6.25%	181 to 270 days
45	Central Co-operative Bank Kota Co-operative Rajasthan	6.25%	181 days to less than 1 year
46	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.25%	181 days to 1 year
47	Goa State Co-operative Bank Co-operative Goa	6.25%	180 days to less than 1 year
48	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.25%	180 to 270 days
49	Karur Vysya Bank Private Nationwide	6.25%	181 days to 270 days
50	Mumbai District Central Co-operative Bank Co-operative Maharashtra	6.25%	181 to 364 days
51	Shivamogga District Co-operative Central Bank Co-operative Karnataka	6.25%	180 to 269 days
52	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	6.25%	6 months 1 day - 1 year
53	South Canara District Central Co-operative Bank Co-operative Karnataka	6.25%	181 to 364 days
54	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	6.25%	181 days to less than 1 year
55	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	6.25%	181 to 364 days
56	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.20%	180 to 364 days
57	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	6.20%	181 to 200 days
58	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	6.20%	181 to 269 days
59	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.15%	181 to 12 months
60	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.15%	180 days to 364 days
61	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	6.15%	181 days to 1 year
62	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	6.15%	181 to 270 days
63	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.10%	181 days to less than 1 year
64	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	6.10%	181 to 270 days
65	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.10%	181 days to less than 1 year
66	Telangana Grameena Bank Regional Rural Telangana	6.10%	180 days to 270 days
67	Mizoram Rural Bank Regional Rural Mizoram	6.05%	181 days to less than 1 year
68	Rajasthan Gramin Bank Regional Rural Rajasthan	6.05%	180 days to less than 1 year
69	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.00%	From 181 days to Below 1 year
70	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.00%	180 days to less than 1 year
71	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	6.00%	181 to 364 days
72	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.00%	180 days to less than 1 year
73	City Union Bank Private Nationwide	6.00%	181 days to 270 days
74	DCB Bank Private Nationwide	6.00%	6 months to less than 10 months
75	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.00%	181 days to 300 days
76	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	6.00%	180 days to 1 year
77	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	6.00%	181 days to 1 year
78	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.00%	180 to 270 days
79	Kaithal District Central Co-operative Bank Co-operative Haryana	6.00%	180 days to less than 1 year
80	Kerala Gramin Bank Regional Rural Kerala	6.00%	180 days to 269 days
81	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	6.00%	181 to 364 days
82	Maharashtra State Co-operative Bank Co-operative Maharashtra	6.00%	181 to 364 days
83	Mandya District Co-operative Central Bank Co-operative Karnataka	6.00%	181 to 364 days
84	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	6.00%	180 to 270 days
85	Rajkot District Central Co-operative Bank Co-operative Gujarat	6.00%	180 to 364 days
86	Rohika District Central Co-operative Bank Co-operative Bihar	6.00%	181 to 364 days
87	Rohtak District Central Co-operative Bank Co-operative Haryana	6.00%	180 to 364 days
88	Shivalik Small Finance Bank Small Finance Delhi +9 states	6.00%	6 months to less than 9 months
89	Sikkim State Co-operative Bank Co-operative Sikkim	6.00%	180 to 270 days
90	The Bapunagar Mahila Co-operative Bank Ltd. Co-operative Gujarat	6.00%	181 days to 365 days
91	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	6.00%	181 days to less than 1 year
92	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.00%	180 days to less than 1 year
93	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	6.00%	182 days to less than 9 months
94	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.00%	181 days up to 1 year
95	Utkarsh Small Finance Bank Small Finance Nationwide	6.00%	181 days to 370 days
96	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.00%	181 to 364 days
97	Warangal District Central Co-operative Bank Co-operative Telangana	6.00%	181 to 364 days
98	Yes Bank Private Nationwide	6.00%	181 days to 271 days
99	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	5.90%	181 days to less than 1 year
100	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	5.90%	181 days to 270 days
101	Panchkula District Central Co-operative Bank Co-operative Haryana	5.90%	180 to 364 days
102	Punjab Gramin Bank Regional Rural Punjab	5.85%	180 to 270 days
103	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	5.80%	180 days to 240 days
104	Bihar Gramin Bank Regional Rural Bihar	5.80%	180 days to 270 days
105	Central Co-operative Bank Pali Co-operative Rajasthan	5.80%	180 days to 1 year
106	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	5.80%	180 days to less than 1 year
107	Mahendragarh District Central Co-operative Bank Co-operative Haryana	5.80%	180 to 364 days
108	Nagaland Rural Bank Regional Rural Nagaland	5.80%	181 days to less than 1 year
109	Amanath Co-operative Bank Ltd. Co-operative Karnataka	5.75%	181 days & up to 1 year
110	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	5.75%	181 to 269 days
111	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	5.75%	181 to 364 days
112	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.75%	181 to 364 days
113	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	5.75%	180 to 364 days
114	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	5.75%	181 to 364 days
115	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	5.75%	181 days to less than 1 year
116	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	5.75%	180 to 364 days
117	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	5.75%	180 days to under 1 year
118	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	5.75%	181 days to 1 year
119	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	5.75%	181 to 364 days
120	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	5.75%	181 days to less than 1 year
121	District Co-operative Bank Rampur Co-operative Uttar Pradesh	5.75%	180 to 364 days
122	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	5.75%	181 to 364 days
123	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	5.75%	181 days to below 365 days
124	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.75%	181 days to less than 1 year
125	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.75%	181 days to less than 1 year
126	Haryana Gramin Bank Regional Rural Haryana	5.75%	180 to 270 days
127	IndusInd Bank Private Nationwide	5.75%	181 days to 210 days
128	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	5.75%	180 to 366 days
129	Karnataka Bank Private Nationwide	5.75%	180 days to below 1 year
130	Magadh District Central Co-operative Bank Co-operative Bihar	5.75%	181 to 364 days
131	Nagpur District Central Co-operative Bank Co-operative Maharashtra	5.75%	181 to 364 days
132	Puducherry Grama Bank Regional Rural Puducherry	5.75%	181- 270 days
133	Rewari District Central Co-operative Bank Co-operative Haryana	5.75%	180 to 364 days
134	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	5.75%	180 to 270 days
135	Sirsa District Central Co-operative Bank Co-operative Haryana	5.75%	180 to 364 days
136	Siwan District Central Co-operative Bank Co-operative Bihar	5.75%	181 to 364 days
137	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	5.75%	181-210 days
138	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	5.75%	181 days to 299 days
139	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	5.75%	181 days to 364 days
140	The West Bengal State Co-operative Bank Co-operative West Bengal	5.75%	181 to 364 days
141	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	5.75%	181 days to under 1 year
142	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	5.75%	181 to 364 days
143	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	5.75%	181 days to less than 1 year
144	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	5.70%	180 to 270 days
145	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.70%	181 days to less than 1 year
146	Tripura Gramin Bank Regional Rural Tripura	5.70%	180 days to 210 days
147	State Bank of India Public Sector Nationwide	5.65%	180 days to 210 days
148	Uttarakhand Gramin Bank Regional Rural Uttarakhand	5.65%	181 days to less than 1 year
149	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	5.60%	181 days to 270 days
150	Punjab National Bank Public Sector Nationwide	5.60%	180 to 270 days
151	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	5.50%	181 days to less than 1 year
152	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	5.50%	181 days to less than 1 year
153	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	5.50%	180 days to Less than 1 year
154	Axis Bank Private Nationwide	5.50%	6 months < 9 months
155	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	5.50%	180 days to 269 days
156	Bank of Baroda Public Sector Nationwide	5.50%	181 days to 210 days
157	Bank of India Public Sector Nationwide	5.50%	180 days to 210 days
158	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	5.50%	181 days to 12 months
159	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	5.50%	180 days to less than 1 year
160	Capital Small Finance Bank Small Finance Chandigarh +7 states	5.50%	180 days to less than 1 year
161	Central Bank of India Public Sector Nationwide	5.50%	180 to 270 days
162	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	5.50%	180 days to 240 days
163	CSB Bank Private Nationwide	5.50%	6 months to less than 9 months
164	Dhanlaxmi Bank Private Andhra Pradesh +15 states	5.50%	180 days to 291 days
165	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	5.50%	181 days to less than 1 year
166	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	5.50%	181 to 269 days
167	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	5.50%	181 to 269 days
168	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	5.50%	181 to 240 days
169	Federal Bank Private Nationwide	5.50%	182 days to 270 days
170	HDFC Bank Private Nationwide	5.50%	6 months 1 day <=9 months
171	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	5.50%	181 days to less than 1 year
172	IDBI Bank Private Nationwide	5.50%	6 months 1 day to 270 days
173	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.50%	181 days to less than 1 year
174	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	5.50%	181 to 210 days
175	Jharkhand State Co-operative Bank Co-operative Jharkhand	5.50%	181 to 269 days
176	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	5.50%	91 days to less than 1 year
177	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	5.50%	181 to 274 days
178	Kotak Mahindra Bank Private Nationwide	5.50%	181 days to 269 days
179	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	5.50%	180 days to 269 days
180	Manipur Rural Bank Regional Rural Manipur	5.50%	181 days to 269 days
181	Manipur State Co-operative Bank Co-operative Manipur	5.50%	180 days to less than 1 year
182	Meghalaya Rural Bank Regional Rural Meghalaya	5.50%	181 days and less than 1 year
183	Nawada District Central Co-operative Bank Co-operative Bihar	5.50%	181 to 364 days
184	South Indian Bank Private Nationwide	5.50%	181 days to 270 days
185	Suryoday Small Finance Bank Small Finance Gujarat +5 states	5.50%	Above 6 month 1 day to 9 months
186	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	5.50%	181 days to 364 days
187	The Akola Urban Co-operative Bank Ltd. Co-operative Maharashtra	5.50%	181 days 364 days
188	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	5.50%	181 days to less than 1 year
189	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	5.50%	181 to 269 days
190	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	5.50%	181 days to 364 days
191	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	5.50%	181 to 365 days
192	Ujjivan Small Finance Bank Small Finance Nationwide	5.50%	6 months to < 1 year
193	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	5.50%	181 days to under 1 year
194	West Bengal Gramin Bank Regional Rural West Bengal	5.50%	180 days to 270 days
195	Patliputra District Central Co-operative Bank Co-operative Bihar	5.40%	181 to 364 days
196	Union Bank of India Public Sector Nationwide	5.40%	181 to 270 days
197	Greater Co-operative Bank Ltd. Co-operative Maharashtra	5.35%	180 days to less than 1 year
198	The Bihar State Co-operative Bank Co-operative Bihar	5.35%	181 days to less than 1 year
199	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	5.25%	180 to 269 days
200	Canara Bank Public Sector Nationwide	5.25%	180 days to 269 days
201	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	5.25%	181 days to 1 year
202	Gujarat Gramin Bank Regional Rural Gujarat	5.25%	181 days to 270 days
203	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	5.25%	180 to 269 days
204	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	5.25%	180 to 270 days
205	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	5.25%	180 days to 210 days
206	Karnataka Grameena Bank Regional Rural Karnataka	5.25%	180 days to 269 days
207	Panchmahals District Central Co-operative Bank Co-operative Gujarat	5.25%	181 to 269 days
208	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	5.25%	181 days - 364 days
209	Motihari District Central Co-operative Bank Co-operative Bihar	5.05%	180 to 364 days
210	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	5.00%	180 to 270 days
211	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.00%	181 days to less than 1 year
212	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	5.00%	180 to 209 days
213	Bank of Maharashtra Public Sector Nationwide	5.00%	181 - 270 days
214	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	5.00%	180 days to 210 days
215	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	5.00%	181 to 270 days
216	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.00%	181 days to 1 year
217	Deutsche Bank India Foreign Bank Delhi +8 states	5.00%	181 - 270 days
218	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	5.00%	181 days to less than 1 year
219	Puducherry State Co-operative Bank Co-operative Puducherry	5.00%	181 to 270 days
220	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	5.00%	90 to 364 days
221	The Haryana State Co-operative Apex Bank Co-operative Haryana	5.00%	180 days to less than 1 year
222	UCO Bank Public Sector Nationwide	5.00%	181 to 332 days
223	Nainital Bank Private Delhi +5 states	4.95%	180 days to less than 270 days
224	Assam Co-operative Apex Bank Co-operative Assam	4.90%	181 to 269 days
225	Punjab & Sind Bank Public Sector Nationwide	4.85%	180 to 364 days
226	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	4.75%	180 days to less than 1 year
227	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	4.75%	91 days to 270 days
228	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	4.75%	181 days to 270 days
229	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	4.70%	180 to 1 year
230	Assam Gramin Vikash Bank Regional Rural Assam	4.50%	181 days to 270 days
231	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	4.50%	181 to 269 days
232	ICICI Bank Private Nationwide	4.50%	91 to 184 days
233	Indian Bank Public Sector Nationwide	4.50%	181 days to less than 9 months
234	Indian Overseas Bank Public Sector Nationwide	4.50%	180-269 days
235	Odisha Grameen Bank Regional Rural Odisha	4.50%	180 days to 210 days
236	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	4.50%	181 days to 1 year
237	Sitamarhi District Central Co-operative Bank Co-operative Bihar	4.50%	181 to 364 days
238	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	4.50%	180 days to 269 days
239	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	4.40%	181 days to less than 1 year
240	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	4.30%	181 days upto 365 days
241	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	4.25%	181 days to 12 months
242	Bandhan Bank Private Nationwide	4.20%	6 months to less than 1 year
243	ESAF Small Finance Bank Small Finance Nationwide	4.00%	91 days to 182 days
244	HSBC India Foreign Bank Andhra Pradesh +13 states	3.25%	181 to 269 days

Best FD rate by tenure

Tap a tenure for the full ranking

State

Deposit amount

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 19 Oct 2026, the highest 6 months FD rate we track is 7.50% at Jilla Sahakari Kendriya Bank Maryadit, Dewas.

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 19 Oct 2026, Jilla Sahakari Kendriya Bank Maryadit, Dewas offers the highest 6 months FD rate at 7.50% p.a. for general depositors. Other top options include JSKB Jhabua at 7.50% and Akhand Anand Bank at 7.10%. 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, JSKB Dewas currently offers the highest senior citizen rate at 7.50% p.a. (as of 19 Oct 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.

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