FD Highest Rate: If you are thinking of investing your savings in fixed deposits (FD), then it is important to compare the interest rates of different banks. At present, most banks are giving 6.45% to 6.70% annual interest to regular investors. At the same time, senior citizens are getting the benefit of 50 basis points i.e. half a percent additional interest. Let’s know which bank is giving the best returns:
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Private Banks
HDFC Bank: 6.60% interest to general customers and 7.10% interest to senior citizens on FDs of 18–21 months. These rates are applicable from 25 June 2025.
ICICI Bank: 6.60% interest to general investors and 7.10% interest to senior citizens on FDs with tenure of 2 years and above.
Kotak Mahindra Bank: 6.60% interest to general customers and 7.10% interest to senior citizens on FDs ranging from 391 days to 23 months.
Federal Bank: 6.70% interest to general investors and 7.20% interest to senior citizens on FDs of 999 days.
Government Banks
State Bank of India (SBI): 6.45% interest to general citizens and 6.95% interest to senior citizens on FDs of 2 to 3 years.
Punjab National Bank (PNB): 6.60% interest to general customers and 7.10% interest to senior citizens on FDs of 390 days. These rates have come into effect from 1 September 2025.
Union Bank of India: 6.60% interest to general investors and 7.10% interest to senior citizens on 3-year FDs. These rates are applicable from 20 August 2025.
