FD Interest Rates: Fixed deposits (FDs) have always been considered a safe and guaranteed option for investors. They are preferred because they offer both good short-term interest rates and the ability to withdraw funds when needed. Investing in fixed deposits is also considered a better option. The biggest advantage is that it provides both security and fixed returns. There is no risk of any kind. Different banks offer different interest rates on fixed deposits. Before making a fixed deposit, be sure to compare the interest rates offered by different banks.

Banks generally offer higher interest rates on long-term deposits. A three-year fixed deposit (FD) is likely to yield higher interest than a one-year fixed deposit. We are telling you how much interest the country’s major banks are offering on long-term fixed deposits.

HDFC Bank

HDFC Bank offers 6.45% interest on three-year deposits, 6.25% on one-year deposits, and 6.45% on two-year deposits. These rates are effective from June 25, 2025. Senior citizens receive an additional 50 basis points discount.

ICICI Bank

ICICI Bank offers a three-year FD at 6.6% per annum. Senior citizens receive 7.1% interest. One-year fixed deposits offer 6.40% interest. An investment of ₹1 lakh here will yield ₹1.06 lakh upon maturity.

Kotak Mahindra Bank

Kotak Mahindra Bank offers 6.4% interest on three-year fixed deposits for general public and 6.90% for senior citizens. One-year FDs offer 6.25% interest, and two-year FDs offer 6.4% interest. These rates came into effect on August 20th.

State Bank of India (SBI)

The country’s largest public sector bank, State Bank of India (SBI), offers 6.3% interest on three-year FDs, and 6.8% for senior citizens. These rates are effective from July 15, 2025. Investors can earn 6.25% and 6.45% annual interest on one-year and two-year FDs, respectively.

Bank of Baroda

Bank of Baroda offers 6.50% interest on three-year FDs, and 7% for senior citizens. However, for general citizens, 6.25% and 6.5% interest are available on one-year and two-year deposits. These new rates came into effect on September 12th.

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On deposits with maturities ranging from 7 days to 10 years, the bank offers an interest rate ranging from 4.50% to 9%. General public can get interest rate up to 9% on deposits of 1001 days duration. On the other hand, this interest rate is up to 9.50% for people falling in the category of senior citizens.

What are the new interest rates of the bank

Unity Small Finance Bank (Unity SFB) is offering 4.50% interest rate on FDs maturing in 7 to 14 days and 4.75% interest rate on deposits maturing in next 15 to 45 days. Unity SFB offers an interest rate of 5.25% for deposits with a tenure of 46 to 60 days and 5.50% for deposits with a tenure of 61 to 90 days.

Deposits maturing between 91 and 6 months will now fetch 5.75% interest, while deposits maturing between 6 months and 201 days will fetch 8.75% interest. As per Unity Small Finance Bank (SFB), the bank offers 6.75% interest rate on deposits maturing in 202-364 days and 7.35% interest rate on deposits maturing in 1 year to 500 days.

More than 8 percent interest will be available on FD of this period

Unity Small Finance Bank (Unity SFB) is offering an interest rate of 8.75% per annum for a tenure of 501 days. At the same time, interest will be given at the rate of 7.35% per annum on deposits of 502 days to 18 months. FDs maturing in 18 months to 1000 days get interest at the rate of 7.40%, while 9% on FDs of 1001 days. Interest is earned from The bank offers 7.65% interest rate on deposits maturing in 1002 days to 3 years, 8.25% for 3 years to 5 years and 7.00% interest rate on FDs maturing in 5 years to 10 years.

What is the interest rate for senior citizens

This bank offers 0.50% higher interest rate to senior citizens. The interest rate ranges from 4.5% to 9.50% for tenures between 7 days to 10 years.

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