FD Interest Rates 2026 — All Banks Compared
The latest 1-year fixed deposit rates across major Indian banks, sortable and with senior-citizen rates. Tap any bank for its full tenure-wise table.
- Best 1-yr rate 7.25% (AU SFB)
- Best senior rate 7.75% (AU SFB)
- Banks tracked 8
- Verified 16 July 2026
Among the 8 banks we track, AU Small Finance Bank currently offers the highest 1-year FD rate at 7.25%. Small finance banks typically pay more than large public and private banks for the same tenure — the trade-off is that your deposit protection is capped at the DICGC insurance limit of ₹5,00,000.
| AU Small Finance BankSFB | 7.25% | 7.75% |
| Kotak Mahindra BankPrivate | 7.10% | 7.60% |
| Bank of BarodaPSU | 6.85% | 7.35% |
| State Bank of IndiaPSU | 6.80% | 7.30% |
| Punjab National BankPSU | 6.80% | 7.30% |
| ICICI BankPrivate | 6.70% | 7.20% |
| Axis BankPrivate | 6.70% | 7.20% |
| HDFC BankPrivate | 6.60% | 7.10% |
Senior citizen FD rates
Most banks pay depositors aged 60 and above an extra 0.50% on the same deposit, shown in the “Senior” column above. On a ₹5,00,000 five-year FD, that half-a-percent adds roughly ₹17,000 by maturity. Work out your exact figure with the FD calculator, which has a senior-citizen toggle.
How to use these rates
Rates change often, so treat this table as a shortlist rather than the final word — open a bank’s page for its full tenure-wise rates, premature-withdrawal rules and the date we last verified them. Then run your amount and tenure through the FD maturity calculator to see exactly what you’ll earn.