Best 3-Year FD Rates : Fixed deposits (FDs) are still considered one of the most reliable investment options in the country. Investors of all ages prefer them due to their guaranteed and secure returns. From tax savings to building an emergency fund, FDs offer numerous benefits.

They are useful for both short-term and long-term investments. If you’re considering an FD, be sure to compare interest rates from different banks before investing. Rates may appear slightly different, but this small difference can make a significant difference in your earnings.

Here are the 3-year fixed deposit interest rates from some leading private and public sector banks, for investments up to ₹1 crore. These figures are as of September 22nd and apply to non-senior citizens. We’ve also calculated returns on an investment of ₹1 lakh.

IndusInd Bank: 6.65% interest rate, FD of Rs 1 lakh will become Rs 1,19,950 after three years.

ICICI Bank and Axis Bank: 6.6% interest rate, FD of Rs 1 lakh will become Rs 1,19,800 in three years.

Kotak Mahindra Bank and HDFC Bank: 6.4% interest rate, FD of Rs 1 lakh will become Rs 1,19,200 after three years.

Bank of Baroda and Union Bank of India: 6.4% interest rate, FD of Rs 1 lakh will become Rs 1,19,200 in three years.

State Bank of India (SBI): 6.3% interest rate, FD of Rs 1 lakh will become Rs 1,18,900 after three years.

Canara Bank and Punjab National Bank: 6.25% interest rate, FD of Rs 1 lakh will become Rs 1,18,750 in three years.

If a bank collapses, you’ll receive up to ₹5 lakh.

Under the Deposit Insurance and Credit Guarantee Corporation Act (DICGC), customers’ funds up to ₹5 lakh will be protected in the event of a bank’s closure or collapse. If you have money deposited in a bank, you can check whether it is registered for deposit insurance by clicking on the link below…

Rule Change : These 15 rules will change from October 1st, learn them today, otherwise you will be left scratching your head.

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1. IndusInd Bank

IndusInd Bank is offering 6.75% interest on three-year FD. This rate is the highest among private banks. An investment of Rs 1 lakh here will become Rs 1,20,250 after three years.

2. Axis Bank

Axis Bank is offering 6.6% interest on three-year FD. An investment of Rs 1 lakh on this maturity will become Rs 1,19,800. This return is better for investors who want stability and balance.

3. ICICI Bank

ICICI Bank is also offering 6.6% interest on three-year FD. Rs 1 lakh invested here will become Rs 1,19,800 after three years. It is considered a competitive option in the private sector.

4. HDFC Bank

The largest private sector bank HDFC Bank is offering 6.4% interest on three-year FDs. At this rate, an investment of Rs 1 lakh will become Rs 1,19,200 after three years.

5. Kotak Mahindra Bank

Kotak Mahindra Bank is also offering 6.4% interest on three-year FD. Here too, an investment of Rs 1 lakh will grow to Rs 1,19,200 on maturity.

6. Punjab National Bank

Punjab National Bank is offering 6.5% interest on three-year FD. This rate is the best among government banks. An investment of Rs 1 lakh here will become Rs 1,19,500 in three years.

7. Bank of Baroda

Bank of Baroda is giving 6.4% interest on three-year FD. At this rate, an investment of Rs 1 lakh will be Rs 1,19,200 after three years. It gives balanced returns with the trust of government banking.

8. Union Bank of India

Union Bank is also offering 6.4% interest on three-year FD. Rs 1 lakh invested here will become Rs 1,19,200 after three years. This option is good for those who want stable returns.

9. State Bank of India (SBI)

SBI is offering 6.3% interest on three-year FD. At this rate, an investment of Rs 1 lakh will be Rs 1,18,900 on maturity. Being the largest bank in the country, it guarantees trust to investors.

10. Canara Bank

Canara Bank is offering 6.25% interest on three-year FD. At this rate, an investment of Rs 1 lakh will be Rs 1,18,750 after three years.

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Public Sector Banks

If you want to make a fixed deposit in a government bank, then there too good interest rates are available for senior citizens. These banks are considered reliable in terms of stability and security, although their interest rates are slightly lower than private or small finance banks.

The post FD Rates: Senior citizens are still getting great returns on FD, these 15 banks are giving the highest interest first appeared on Rightsofemployees.com.

State Bank of India (SBI): The country’s largest bank is giving interest at the rate of 6.70% to common citizens for a period of 2 years to 3 years. At the same time, senior citizens are being provided interest at the rate of 7.20 percent for this period.

HDFC Bank: This largest private sector bank is still giving great interest for a period of 15 to 18 months. The bank is providing interest at the rate of 6.85% to common citizens for this period. At the same time, the interest rate for senior citizens is 7.35%.

ICICI Bank: This private sector bank is providing the highest interest for a period of 18 months to 2 years. The bank is providing interest at the rate of 6.85% to common citizens for this period. At the same time, senior citizens are being provided interest at the rate of 7.35% for this period.

Bank of Baroda: Government bank Bank of Baroda is providing better returns on 1 year FD. The bank is giving interest at the rate of 6.70% to common citizens on 1 year FD. At the same time, for this period, senior citizens and super senior citizens are being provided interest at the rate of 7.20% and 7.20% respectively.

PNB: Punjab National Bank is still giving great returns on 1 year FD. The bank is giving interest at the rate of 6.70% to common citizens on 1 year FD. At the same time, senior citizens and super senior citizens are being provided interest at the rate of 7.20% and 7.50% respectively.

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Which banks are getting more interest?

• Small Finance Bank Interest Rates
• Suryoday Small Finance Bank – 9.1% interest on 5 year FD
• Unity Small Finance Bank – 8.65% interest
• Northeast Small Finance Bank – 8.5% interest
• Utkarsh Small Finance Bank – 8.35% interest
• Jana Small Finance Bank – 8.2% interest

All these interest rates are for senior citizens and will be applicable on deposit amount up to Rs 3 crore.

Tax exemption is also possible

If you follow the old tax system, you can get a deduction of up to Rs 1.5 lakh on a 5-year tax saving FD under Section 80C of the Income Tax Act. Apart from this, senior citizens also get a deduction of up to Rs 50,000 on additional interest income under Section 80TTB. If a person’s interest income exceeds Rs 1 lakh, then TDS (tax) can be deducted. But if your total income does not fall under the tax bracket, then you can avoid TDS by filling Form 15H.

Caution is necessary

Keep in mind that DICGC (Deposit Insurance and Credit Guarantee Corporation) provides insurance only on deposit amount up to Rs 5 lakh. Therefore, while investing in FD, make sure that your amount is within this limit. This is a good opportunity for senior citizens to invest their money in a safe and profitable option. However, before investing, take any decision keeping in mind the credibility of the bank and your needs.

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Many major banks of the country have announced to give better returns to investors by changing the interest rates of FD. As per the new rates applicable from 16 April 2025, senior citizens can now get up to 7.95% interest on FD. AU Small Finance Bank, IDFC First Bank and Bank of Maharashtra have revised their FD rates.

AU Small Finance Bank FD Rates: AU Small Finance Bank has implemented interest rates ranging from 3.75% to 7.75% for general citizens and 4.25% to 8.25% for senior citizens. The highest interest rate is being offered on 18-month FDs — 7.75% for general investors and 8.25% for senior citizens. Senior citizens are getting 8.10% interest on FDs of 1 year to 15 months, which makes this bank an attractive option.

IDFC First Bank FD rates: IDFC First Bank has also changed its FD rates and started giving interest up to 7.50%. This rate is applicable for a period of 400 to 500 days for general citizens. At the same time, senior citizens are getting 8% interest for the same period. The bank is giving a return of 3% to 6.5% on short term FDs.

Bank of Maharashtra FD Rates: Bank of Maharashtra has implemented new rates with a maximum interest rate of 7.45%, which applies to special FDs of 366 days. Senior citizens can get up to 7.95% interest on the same scheme. Ordinary citizens are being given returns ranging from 2.75% to 7.45% and senior citizens from 3.25% to 7.95%. This increase in interest rates can benefit investors, especially senior citizens. In the current financial environment where equity markets remain volatile, FD is emerging as a safe and stable investment option.

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Dhanlaxmi Bank’s new interest rates

• The bank will give 4.25% interest on 7 to 14 days FD.
• 4.75% interest will be given on FD of 15 to 60 days.
• The interest rate on FDs of 61 to 90 days will be 5%, while 6% interest will be given on FDs of 91 to 179 days.
• The interest rate on FDs with tenure ranging from 180 days to less than one year will be 5.25%.
• The same interest rate of 5.25% will also be applicable on 300 days, 9 months and 27 days FDs.
• The bank is now paying 6.75% interest on FDs maturing in 1 year to 2 years.
• The bank is offering the highest interest rate of 7.25% on FD of 400 days (13 months and 4 days).
• For tenures above 2 years and up to 3 years, the interest rate will be 6.5%.
• The bank will give 7% interest on FDs ranging from 3 years to 5 years.
• The interest rate on FDs from 5 years to 10 years will be 6.6%.

Senior citizens will benefit more

Dhanlaxmi Bank also said that senior citizens aged 60 years and above will get an extra interest of 0.50% per annum on all domestic FDs of 1 year or more. Established in 1927, Dhanlaxmi Bank is a private sector bank with its head office in Thrissur, Kerala. Over time, the bank has expanded its products and services.

If you are looking for an investment option with safe and attractive returns, then Dhanlaxmi Bank’s new FD rates can be a good opportunity. Especially the 7.25% interest rate on 400 days FD can entice investors.

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This list includes major banks like SBI, Bank of India, HDFC Bank, Yes Bank, Punjab National Bank and Canara Bank. This decision has been taken with the aim of increasing cash in the market by making the monetary policy more flexible.

SBI

State Bank of India (SBI) has cut interest rates on some of its FD schemes by 10 basis points from April 15, 2025. The interest rate on one year to two year deposits has now come down from 6.80% to 6.70% and on two year to three year deposits from 7.00% to 6.90%. However, senior citizens will get the benefit of additional 0.50% interest under the SBI We-Care scheme as before.

Bank of India

Bank of India (BOI) has also changed the interest rates. The interest rate on deposits of 91 to 179 days has been reduced from 4.50% to 4.25%. The rate on FDs of less than 180 days and one year has been reduced from 6.00% to 5.75%, while the interest on FDs of one to two years will be reduced from 6.80% to 6.75%. Along with this, the bank has also discontinued its 400-day special FD scheme, which earlier used to give 7.30% interest.

HDFC Bank

HDFC Bank has cut interest rates on long-term FD schemes by 35 to 40 basis points. Yes Bank has cut interest rates on FDs of 12 to 24 months by 25 basis points. Due to this, customers will now get less returns than before.

Punjab National Bank

Punjab National Bank (PNB) has also changed the interest rates and now the interest rate on its FD schemes is between 3.50% to 7.10%. The highest interest is being given on FD of 390 days.

Canara Bank

Canara Bank has also cut 20 basis points on some schemes, but its FD of 444 days is still getting 7.25% interest. Senior citizens are getting the benefit of 0.50% and super senior citizens are getting 0.80% additional interest. Experts say that due to the reduction in repo rate, interest rates in banks are decreasing rapidly. In such a situation, investors need to rethink their FD strategy.

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The post FD Rate Cut: THESE 5 Banks reduced interest on Fixed Deposit, check details first appeared on Rightsofemployees.com.

Here we are going to tell you about a scheme of Bank of Baroda, in which you can get a stable and guaranteed return of Rs 17,668 by investing Rs 2,00,000.

Up to 7.90 percent interest will be available on 400-day FD

Bank of Baroda’s 400-day special FD scheme BOB Utsav Deposit Scheme is getting the highest interest to customers. Customers are not getting this much interest on any other FD scheme of Bank of Baroda. Yes, this government bank is giving 7.30 percent interest to the common people on this 400-day special FD scheme. Not only this, BOB is giving 7.80 percent interest to senior citizens and 7.90 percent interest to super senior citizens on this scheme. Let us tell you that super senior citizens are those citizens who are 80 years of age or above.

Know how much interest you will get: If Rs 2 lakh is deposited in a 400-day FD of Bank of Baroda, then common citizens will get a total of Rs 2,16,268 on maturity, which includes a fixed interest of Rs 16,268. If you are a senior citizen, then you will get a total of Rs 2,17,668 on maturity, which includes a fixed interest of Rs 17,668. And if you are a super senior citizen, then you will get a total of Rs 2,17,902 on maturity, which includes a fixed interest of Rs 17,902. Let us tell you that on any FD account, you get a fixed and guaranteed interest over a certain period.

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If you want to take advantage of higher interest rates, you can invest in these schemes before March 31, 2025. In recent years, banks have offered special fixed deposits (FDs) to attract investors. These offer higher interest than traditional FDs. Senior citizens especially get better returns from these schemes.

However, the recent indications of a cut in policy rates by the Reserve Bank of India (RBI) have increased the possibility that FD interest rates may also come down. Since interest rates usually change according to the monetary policy of the RBI, there is also a possibility that banks may soon discontinue these special FD schemes. For this reason, investors are advised to take advantage of these special schemes by investing before the deadline of March 31, 2025.

Major FD schemes of banks and their interest rates

1. State Bank of India (SBI) – Amrit Vrishti & Amrit Kalash

2. Indian Bank – IND Supreme 300 Days & IND Super 400 Days

3. IDBI Bank – Utsav Callable FD

4. Bank of Baroda – Monsoon Dhamaka FD

SBI’s Amrit Varsha and Amrit Kalash FD

Amrit Varshi (444 days)

7.25% interest for general citizens

7.75% interest for senior citizens

Amrit Kalash (400 days)

7.10% interest for general citizens

7.60% interest for senior citizens

IDBI Bank Utsav Callable FD

This scheme offers different interest rates for different maturity periods ranging from 300 to 700 days.

Indian Bank Special FD Schemes

IND Supreme 300 Days & IND Super 400 Days

Maximum interest rate of 8.05% for super senior citizens

Ordinary investors are also getting higher interest.

Bank of Baroda Monsoon Dhamaka FD

333 days FD – 7.15% interest for general citizens and 7.65% for senior citizens.

399 days FD – 7.25% interest for general citizens, 7.40% on non-callable deposits and 7.75% for senior citizens.

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Highest interest rates on FDs of banks

HDFC Bank FDs offer 7.25% interest to general citizens and 7.77% interest to senior citizens. This FD is for a period of 18 to 21 months.

In ICICI Bank, general customers are getting 7.25 percent interest and senior citizens are getting 7.85 percent interest on 15 to 18 months FD.

Kotak Mahindra Bank is offering 7.4 per cent interest on 390-391 days FD, while senior citizens are getting 7.9 per cent interest.

Federal Bank is offering 7.5% interest rate to general citizens and 8% interest rate to senior citizens on 444 days FD.

Bank of Baroda is offering 7.15 per cent interest to general customers and 7.65 per cent interest to senior citizens on 2 to 3 year FDs.

Union Bank of India is offering 7.3 per cent interest on 456 days FD, while senior citizens are getting 7.8 per cent interest.

Why invest in FD?

FD is a safe investment option. Here you get good returns in a fixed time at a fixed interest rate. Senior citizens have the advantage of higher interest rates. With this, they can get better returns on their savings. Apart from this, banks have FD schemes for different periods, so that investors can choose the right option according to their needs. If you want safe and guaranteed returns, then FD can be a good option.

The post FD Rates: Top 6 banks of the country are offering 7.85% interest on FD, check details first appeared on Rightsofemployees.com.

Experts believe that senior citizens should focus on investment options that can give fixed and good returns with low risk. Fixed Deposit (FD) is one of the most reliable and safe investment options in India. It gives returns at a fixed interest rate for a fixed period. Many banks are offering interest rates of 7.5% or more to senior citizens on 5-year FD schemes.

Banks offering interest rates of 7.5% or more

SBM Bank is offering FD option to senior citizens with the highest interest rate of 8.25% and Yes Bank is offering 8%. Axis Bank, IndusInd Bank and DCB Bank are offering interest ranging from 7.75% to 7.9%. Apart from this, HDFC Bank, ICICI Bank and SBI are also offering interest on FD at the rate of 7.5%.

Banks offering 7% to 7.5% interest

Banks like Bank of Baroda, Canara Bank, Union Bank of India, and IDFC First Bank are offering interest ranging from 7% to 7.5%. Apart from this, Karnataka Bank and Tamil Nadu Mercantile Bank also fall in this category.

Eligibility for FD for senior citizens

Indian residents aged 60 years or above are eligible to invest in FDs. NRI senior citizens can also invest through NRE or NRO accounts. Proof of age, Aadhaar card, passport, PAN card, passport size photo and address proof (such as electricity or telephone bill) are required to apply for FDs.

FD is a safe and reliable investment option for senior citizens, which provides a stable income. If you want a fixed income at the time of your retirement, it would be a wise move to choose FD schemes with an interest rate of 7.5% or more. This will not only keep your capital safe but will also become a good source of regular income.

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The post Top FD Rates for Senior Citizens : You Can Get interest up to 8% on THESE Fixed Deposits first appeared on Rightsofemployees.com.

If you make FD up to Rs 3 crore, then you can get up to 8.05 percent interest in 1 year. Let us know how much interest you can get in 5 banks on FD of less than 1 year.

1- Bandhan Bank FD Rate

Common people are getting 8.05 percent interest on FD up to one year from Bandhan Bank.

2- Indusind Bank FD Rate

IndusInd Bank is offering 7.75 percent interest to people on one year FD.

3- RBL Bank FD Rate

RBL Bank is offering 7.5 per cent interest on one-year FD.

4- Karnataka Bank FD Rate

Karnataka Bank is giving 7.25 percent interest to its customers on one year FD.

5- Yes Bank FD Rate

YES Bank is offering 7.25 percent interest on one year FD.

6- DCB Bank FD Rate

If you make a one-year FD in DCB Bank, you will get 7.1 percent interest.

7- Kotak Mahindra Bank FD Rate

Kotak Mahindra Bank is offering 7.1 per cent interest on one-year FD.

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The post FD Rates: These 7 banks are giving great returns on FDs for a year, see the full list first appeared on Rightsofemployees.com.

These interest rates have been revised on FDs up to Rs 3 crore. According to the bank’s website, the new rates have come into effect from December 1, 2024.

Canara Bank is offering FDs for tenures ranging from 7 days to 10 years. After the revision, Canara Bank is offering 4% to 7.40% interest on FDs to the general public and 4% to 7.90% interest to senior citizens.

New interest rates on Canara Bank FDs

Canara Bank is now offering 4 per cent interest rate on FDs maturing between 7 to 45 days and 5.25 per cent interest rate on deposits maturing between 46 to 90 days. Canara Bank is offering 5.50 per cent interest rate on deposits maturing in 91 to 179 days and 6.15 per cent interest on deposits maturing in 180 to 269 days. The bank is offering 6.25 per cent interest rate on FDs of tenure less than 70 days and 1 year, while 1-year FDs will offer 6.85 per cent return, while FDs maturing in 444 days will offer 7.25 per cent return.

FD rates for super senior citizens –

According to Canara Bank’s website, an additional interest rate of 0.60 per cent for super senior citizens (80 years and above) has been introduced only under Canara-444 scheme. It will be 7.85 per cent for callable deposits and 8 per cent for non-callable deposits.

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Super senior citizens are investors above 80 years of age. The bank has kept interest rates on FDs with tenures ranging from 7 days to 10 years at 4% to 7.45% per annum. The highest interest rate for general citizens is 7.50% per annum.

Benefits that senior citizens get on FD

Punjab and Sind Bank is offering an extra interest of 0.50% to senior citizens. The highest interest rate of the bank for senior citizens is 8% per annum, which is available on non-callable FDs of 555 days. These new interest rates have come into effect from November 14, 2024. The benefit of the new interest rate will be available to new FDs and renewal FDs. However, these rates are not applicable to NRE, NRO, capital gains and bulk deposits.

Benefits for Super Senior Citizens

The bank gives an additional 0.15% interest to super senior citizens i.e. investors aged 80 years or above. This benefit will be applicable on special period FDs. Special period FDs are applicable on FDs of 222, 333, 444, 555, 777, 999 days and PSB Green Earth FDs of 22 months, 44 months and 66 months.

Punjab & Sind Bank FD Rates – Effective from 14th November 2024

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Whenever there is talk of savings, the name of Fixed Deposit i.e. FD definitely comes up. Your investment in Fixed Deposit is safe, along with this you get guaranteed returns. If you also want to invest in FD then this is useful news for you. It is very important for investors to compare the interest rates of different banks before investing in FD. Today we are going to tell you about the interest rates on FD offered by the top-7 banks on one year FD.

HDFC Bank

HDFC Bank is offering 6.6 per cent interest rate to general citizens and 7.1 per cent interest rate to senior citizens on one-year FD.

ICICI Bank

ICICI Bank is offering 6.7 per cent interest rate to general citizens and 7.2 per cent to senior citizens on FDs of one year to 15 months.

Kotak Mahindra Bank

Kotak Mahindra Bank is offering 7.1 per cent interest rate to general citizens and 7.6 per cent to senior citizens on one-year FD.

Federal Bank

Federal Bank is offering 6.8 per cent interest rate to general citizens and 7.3 per cent to senior citizens on one-year FD.

SBI

State Bank Of India is offering 6.8 per cent interest rate to general citizens and 7.3 per cent to senior citizens on one-year FD.

Punjab National Bank

Punjab National Bank is offering 6.85 percent interest rate to general citizens and 7.35 percent interest rate to senior citizens on one year FD.

Canara Bank

Canara Bank is offering 6.85 per cent interest rate to general citizens and 7.35 per cent interest rate to senior citizens on one-year FD.

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1- Jana Small Finance Bank

Jana Small Finance Bank is offering 8.75% interest rate on one year FD to senior citizens.

2- Ujjivan Small Finance Bank

Ujjivan Small Finance Bank is also offering 8.75% interest to senior citizens on one year FD.

3- Equitas Small Finance Bank

If a senior citizen makes an FD in Equitas Small Finance Bank, he is being given an interest of 8.6%.

4- Utkarsh Small Finance Bank

Utkarsh Small Finance Bank is giving 8.6 percent interest to senior citizens on one year FD.

5- Suryoday Small Finance Bank

Suryoday Small Finance Bank is offering 8.55% interest to all senior citizens making one year FD.

6- Unity Small Finance Bank

If a senior citizen makes an FD in Unity Small Finance Bank, he will get 8.35 percent interest on one year FD.

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The post Higher FD rate: Here you can get up to 8.75% interest from these top 6 banks. see the full list immediately first appeared on Rightsofemployees.com.

If you are planning to invest in FD then this news is of your use. In October 2024, 7 banks including Shivalik Small Finance Bank, IndusInd Bank, Federal Bank, Punjab and Sindh Bank, Bank of Baroda and Punjab National Bank revised their FD interest rates.

Shivalik Small Finance

Bank had changed the interest rates on 24 October. The bank is giving 3.5% to 8.3% interest to customers on FDs, while senior citizens are getting 4% to 8.8% interest. The highest interest is being given on FDs of 18 months to 24 months duration, which is 8.30% for general customers and 8.80% for senior citizens.

Indusind

Bank had changed the interest rates on 7 October. The bank is giving interest ranging from 3.5% to 7.75% on FDs to general customers while senior citizens are getting interest ranging from 4% to 8.25%. The highest interest is being given on FDs with tenure of 1 year to 2 years.

IDFC First Bank

New rates of IDFC First Bank are applicable from 16 October. The bank is offering interest ranging from 3% to 7.75% to its customers. The highest interest rate of 7.75% is being given by the bank on fixed deposits of 400 to 500 days duration.

Federal Bank

Federal Bank’s new FD rates are effective from October 16. The bank is offering interest rates ranging from 3% to 7.4% to its customers. The highest interest rate of 7.40% is being offered on FDs with a duration of 777 days.

Bank of Baroda

Bank of Baroda’s new FD rates are effective from October 14. The bank is giving interest ranging from 4.25 percent to 7.30 percent to its customers. Senior citizens are being given an extra 0.50 percent interest on FD.

Punjab National Bank

Punjab National Bank is offering FD rates ranging from 3.50% to 7.25% for tenures ranging from 7 days to 10 years for general customers. For senior citizens, the bank offers interest rates ranging from 4% to 7.75% and for super senior citizens, it offers interest rates ranging from 4.30% to 8.05%. These rates are effective from October 1, 2024.

Punjab & Sind Bank

Punjab & Sind Bank is offering FD rates ranging from 4% to 7.45% on callable deposits for tenures ranging from 7 days to 10 years for general citizens. The bank is offering the highest interest rate of 7.50% on non-callable deposits for tenures up to 555 days.

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The post New FD Rates: These 7 banks changed FD rates in October, opportunity to earn up to 8.8 percent interest first appeared on Rightsofemployees.com.

SBI FD Interest Rates

SBI is offering 3.5-7.25 percent interest on FD. Senior citizens are being offered an additional interest of 0.50 percent. You are being given 7.10 percent interest on the bank’s 400-day Amrit Kalash FD. Senior citizens are being given up to 7.60 percent interest. Apart from this, 7.25 percent interest is being given under the 444-day Amrit Varshita Scheme.

2- ICICI Bank FD Interest Rates

ICICI Bank is giving interest ranging from 3% to 7.25% on FDs. Senior citizens are being given interest ranging from 3.5% to 7.8%. The bank is giving the highest interest of 7.25 and 7.8% on FDs with tenures ranging from 15 months to less than 18 months.

3- HDFC Bank FD Interest Rates

4- Canara Bank FD Interest Rates

5- Punjab National Bank FD Rates

Punjab National Bank is giving interest ranging from 3.5% to 7.25% on FD. Senior citizens are getting interest ranging from 4% to 7.75%. The highest interest is being given on FDs of 400 days duration.

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FD provides liquidity because you can close it whenever you want and get the money in your bank account. Interest on FD is taxable. Currently, private and public sector banks are giving up to 7.75 percent interest to senior citizens on three-year FDs. Here we are telling about the interest being offered on three-year FDs of top 10 banks. Also, how much interest will be received on an investment of up to Rs 1,00,000.

Bank Of Baroda

Interest rate on three-year FD for senior citizens: 7.75%

Rs 1 lakh invested for three years will grow to Rs 1.26 lakh.

Axis Bank

Interest rate on three-year FD for senior citizens: 7.60%

Rs 1 lakh invested for three years will grow to Rs 1.25 lakh.

HDFC Bank, ICICI Bank and Punjab National Bank

Interest rate on three-year FD for senior citizens: 7.50%

Rs 1 lakh invested for three years will grow to Rs 1.25 lakh.

Canara Bank

Interest rate on three-year FD for senior citizens: 7.30%

Rs 1 lakh invested for three years will grow to Rs 1.24 lakh.

State Bank of India and Bank of India

Interest rate on three-year FD for senior citizens: 7.25%

Rs 1 lakh invested for three years will grow to Rs 1.24 lakh.

Union Bank Of India

Interest rate on three-year FD for senior citizens: 7%

Rs 1 lakh invested for three years will grow to Rs 1.23 lakh.

Indian Bank

Interest rate on three-year FD for senior citizens: 6.75%

Rs 1 lakh invested for three years will grow to Rs 1.22 lakh.

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FD (Fixed Deposit) is considered one of the safest investment options. Due to low risk and fixed returns, people prefer to invest in FD. Among these, senior citizens also give more importance to FD because they get better returns than ordinary citizens.

SBI, HDFC Bank, Punjab National Bank, Axis Bank and Kotak Mahindra Bank, along with many other banks, offer additional 0.50% or more return on FD for senior citizens.

Small Finance Banks

Small Finance Banks offer high interest rates to senior citizens:

AU Small Finance Bank

AU Small Finance Bank is offering 8.50% return on 18-month FD for senior citizens.

Equitas Small Finance Bank

Equitas Small Finance Bank is offering 9.00% return on FDs of 444 days for senior citizens.

Northeast Small Finance Bank

Northeast Small Finance Bank is offering 9.50% return on FDs of 546 to 1111 days for senior citizens.

Suryoday Small Finance Bank

Suryoday Small Finance Bank is offering 9.10% return on FDs of 2-3 years for senior citizens.

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Private Sector Banks

Let’s know which private sector banks are giving good returns on FDs to senior citizens

Axis Bank: Offering 7.75% return on FDs of 15 months.

HDFC Bank: Offering 7.90% return on FDs of 55 months.

Indusind Bank: Offers 8.25% return on FDs for 1-2 years.

RBL Bank: Offers 8.60% return on FDs for 500 days.

Public Sector Bank

• State Bank of India (SBI): Offers 7.75% return on FDs for 444 days.
• Bank of India: Offers 7.80% return on FDs for 400 days.
• Punjab National Bank: Offers 7.75% return on FDs for 400 days.
• Canara Bank: Offers 7.75% return on FDs for 444 days.

Global Bank

Deutsche Bank: Offers 8.00% return on FDs for 1-3 years.

HSBC Bank: Offers 8.00% return on FDs of 601-699 days.

Standard Chartered Bank: Offers 8.00% return on FDs of 1 year to 375 days.

Fixed deposits offer stability and fixed returns, which is why people prefer to invest in them after retirement. Another reason is that senior citizens get better interest rates and tax benefits on it.

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The post Best FD Rates: Get a fixed deposit for your parents, these bank is offering up to 9.5% interest rate first appeared on Rightsofemployees.com.

The bank has reduced interest on some of its FDs and increased interest on some FDs. Axis Bank is offering interest ranging from 3 percent to 7.20 percent to general customers after the new revision. At the same time, it is giving interest ranging from 3.50 percent to 7.75 percent to senior citizens. The bank is offering FDs from 7 days to 10 years. The new interest rates of Axis Bank are coming into effect from today, 10 September 2024.

Axis Bank interest rates on FDs less than Rs 3 crore

• 7 days to 14 days: 3.00% for general public; 3.50% for senior citizens
• 15 days to 29 days: 3.00% for general public; 3.50% for senior citizens
• 30 days to 45 days: 3.50 percent for general public; 4 percent for senior citizens
• 46 days to 60 days: 4.25 per cent for general public; 4.75 per cent for senior citizens
• 61 days to less than 3 months: 4.50 per cent for general public; 5 per cent for senior citizens
• 3 months to 3 months 24 days: 4.75 per cent for general public; 5.25 per cent for senior citizens
• 3 months 25 days to less than 4 months: 4.75 per cent for general public; 5.25 per cent for senior citizens
• 4 months to less than 5 months: 4.75 per cent for general public; 5.25 per cent for senior citizens
• 5 months to less than 6 months: 4.75 per cent for general public; 5.25 per cent for senior citizens
• 6 months to less than 7 months: 5.75 per cent for general public; 6.25 per cent for senior citizens
• 7 months to less than 8 months: 5.75 per cent for general public; 6.25 per cent for senior citizens
• 8 months to less than 9 months: 5.75 per cent for general public; 6.25 per cent for senior citizens
• 9 months to less than 10 months: 6.00 per cent for general public; 6.50 per cent for senior citizens
• 10 months to less than 11 months: 6.00 per cent for general public; 6.50 per cent for senior citizens
• 11 months to 11 months 24 days: 6.00 per cent for general public; 6.50 per cent for senior citizens
• 11 months 25 days to less than 1 year: 6.00 per cent for general public; 6.50 per cent for senior citizens
• 1 year to less than 1 year 4 days: 6.70 per cent for general public; 7.20 per cent for senior citizens
• 1 year 5 days to less than 1 year 11 days: 6.70 per cent for general public; 7.20 per cent for senior citizens
• 1 year 11 days to less than 1 year 24 days: 6.70 per cent for general public; 7.20 per cent for senior citizens
• 1 year 25 days to less than 13 months: 6.70 per cent for general public; 7.30 per cent for senior citizens
• 13 months to less than 14 months: 6.70 per cent for general public; 7.30 per cent for senior citizens
• 14 months to less than 15 months: 6.70 per cent for general public; 7.50 per cent for senior citizens
• 15 months to less than 16 months: 7.25 per cent for general public; 7.75 per cent for senior citizens
• 16 months to less than 17 months: 7.25 per cent for general public; 7.75 per cent for senior citizens
• 17 months to less than 18 months: 7.25 per cent for general public; 7.75 per cent for senior citizens
• 18 months to less than 2 years: 7.25 per cent for general public; 7.75 per cent for senior citizens
• Less than 2 years to 30 months: 7.10 per cent for general public; 7.60 per cent for senior citizens
• 30 months to less than 3 years: 7.10 per cent for general public; 7.60 per cent for senior citizens
• 3 years to less than 5 years: 7.10 percent for general public; 7.60 percent for senior citizens
• 5 years to 10 years: 7.00 per cent for general public; 7.75 per cent for senior citizens.

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BOB Bank has increased the interest rate on FDs of some periods by 0.10 to 0.25 percent. The bank has increased the interest rate on FDs of 211 days to 270 days. The bank is offering a maximum interest rate of 7.80 percent. Check the new FD rates.

Interest on BOB FD

7 days to 14 days – For general public: 4.25 percent; For senior citizens: 4.75 percent

15 days to 45 days – For general public: 4.50 percent; For senior citizens: 5 percent

46 days to 90 days – For general public: 5.50 percent; For senior citizens: 6 percent

91 days to 180 days – For general public: 5.60 percent; For senior citizens: 6.10 percent

181 days to 210 days – For general public: 5.75 per cent; For senior citizens: 6.25 per cent

211 days to 270 days – For general public: 6.25 per cent; For senior citizens: 6.75 per cent

271 days and above and less than 1 year – For general public: 6.50 per cent; For senior citizens: 7 per cent

333 days – (Monsoon Dhamaka Deposit Scheme) – For general public: 7.15 per cent; For senior citizens: 7.65 per cent

360 days (BOB 360) – For general public: 7.10 percent; For senior citizens: 7.60 percent

1 year – For general public: 6.85 percent; For senior citizens: 7.35 percent

399 days – (Monsoon Dhamaka Deposit Scheme) – For general public: 7.30 percent; For senior citizens: 7.80 percent

More than 1 year to 400 days – For general public: 7 per cent; For senior citizens: 7.50 per cent

Above 400 days and upto 2 years – For general public: 7 per cent; For senior citizens: 7.50 per cent

Above 2 years and upto 3 years – For general public: 7.15 per cent; For senior citizens: 7.65 per cent

Above 3 years and upto 5 years – For general public: 6.50%; For senior citizens: 7.00%

Above 5 years to 10 years – For general public: 6.50 per cent; For senior citizens: 7.50 per cent

Above 10 years (Court Order Scheme) – For general public: 6.25 per cent; For senior citizens: 6.75 per cent

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The post FD Rates: Bank of Baroda has increased the interest rates on FD, check interest rate first appeared on Rightsofemployees.com.

SBI Special FD – Amrit Vrishti

State Bank of India (SBI) has launched a new limited period deposit scheme named Amrit Vrishti. This is an FD scheme that offers higher interest. Amrit Vrishti scheme is offering 7.25% per annum interest to general citizens on deposits of 444 days. Senior citizens are getting the same interest rate of 7.75%. This scheme is valid till 31 March 2025. The new scheme will be effective from 15 July 2024.

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Bank Of Maharashtra

Bank of Maharashtra has launched four FD schemes with different tenures. The bank is offering 200 days, 400 days, 666 days, and 777 days FDs. The bank is offering 6.9 percent interest for 200-day deposits, 7.10 percent for 400-day deposits, 7.15 percent for 666-day deposits, and 7.25 percent for 777-day deposits.

Bank of Baroda – Monsoon Dhamaka Scheme

Bank of Baroda has launched a new special FD scheme with higher interest rates. The new FD has been named Monsoon Dhamaka Deposit Scheme. The bank has also revised its regular FD scheme. Bank of Baroda is offering high interest FDs of 333 days and 399 days. At the same time, it is offering 7.15% interest on 333 days FD. Senior citizens will get 7.75% per annum for 399 days and 7.65% annual interest. BOB Monsoon Dhamaka FD is offering a maximum annual interest of 7.90% for 399 days. This scheme has started from 15 July 2024. These interest rates are applicable on retail deposits of less than Rs 3 crore.

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For a short period, investments can be made from 7 days to 12 months and for a long period, investments can be made from 1 year to 10 years. Let us know what interest rates the banks are offering.

Private Bank

HDFC Bank FD Interest Rates

HDFC Bank is offering interest rates ranging from 3% to 6% for general citizens for tenures ranging from 7 days to less than 1 year.

ICICI Bank FD Interest Rates

ICICI Bank is also offering interest rates ranging from 3% to 6% for general citizens for tenures ranging from 7 days to less than 1 year.

Yes Bank FD Interest Rates

Yes Bank is offering interest rates ranging from 3.25% to 7.25% for general citizens for tenures ranging from 7 days to 1 year.

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SBI FD Interest Rates

State Bank of India (SBI) is offering interest rates ranging from 3% to 5.75% for general citizens for tenures ranging from 7 days to 1 year.

PNB FD Interest Rates

Punjab National Bank (PNB) is offering interest rates ranging from 3% to 7% for general citizens for tenures ranging from 7 days to 1 year.

Canara Bank FD Interest Rates

Canara Bank is offering interest rates ranging from 4% to 6.85% for general citizens for tenures ranging from 7 days to 1 year.

Unity Small Finance Bank

Unity Small Finance Bank is offering interest rates ranging from 4.50% to 7.85% for general citizens for tenures ranging from 7 days to 1 year.

Jana Small Finance Bank

Jana Small Finance Bank is offering interest rates ranging from 3% to 8.50% for general citizens for tenures ranging from 7 days to 1 year.

Suryodaya Small Finance Bank

Suryoday Small Finance Bank is offering interest rates ranging from 4% to 6.85% for general citizens for tenures ranging from 7 days to 1 year. Banks and finance banks are offering interest rates for different tenures and investment amounts. Investors can choose the appropriate bank and tenure as per their requirements and convenience.

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If you want to invest in Fixed Deposit i.e. FD, then this news is useful for you. Actually, the country’s largest government bank, State Bank of India (SBI) has given great news to its investors. The bank has increased the interest rate on Fixed Deposit i.e. FD. SBI has increased the interest rates on FD of less than Rs 3 crore. The new rates have become effective from June 15, 2024. Now SBI investors can get more profit on FD.

SBI has increased the interest rate by 25 basis points (0.25%) on deposits of certain durations. The bank has increased the interest rate on FDs maturing in 180 days to 210 days and 211 days to less than one year.

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SBI FD Rates –

• 7 days to 45 days: For general public – 3.50 per cent; For senior citizen – 4 per cent
• 46 days to 179 days: For general public – 5.50 per cent; For senior citizen – 6 per cent
• 180 days to 210 days: For general public – 6.25 per cent; For senior citizen – 6.75 per cent
• 211 days to less than 1 year: For general public – 6.50 per cent; For senior citizen – 7 per cent
• 1 year to less than 2 years: For general public – 6.80 per cent; For senior citizen – 7.30 per cent
• 2 years to less than 3 years: For general public – 7.00 per cent; For senior citizen – 7.50 per cent
• 3 years to less than 5 years: For general public – 6.75 per cent; For senior citizen – 7.25%
• 5 years to 10 years: For general public – 6.50%; For senior citizen – 7.50%

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Bank of Baroda, one of the country’s largest public sector banks, is offering the best returns on FDs to its customers. Bank of Baroda (BOB) has increased the interest rates on bulk FDs. The bank’s interest rates on bulk FDs of Rs 2 crore to Rs 5 crore have come into effect from May 18, 2024. The bank is offering bulk FDs from 7 days to 10 years. Check the latest interest rates here.

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Interest Rates on BOB FD

• 7 days to 14 days – For general public: 5 percent; For senior citizens: 5 percent
• 15 days to 45 days – For general public: 5 percent; For senior citizens: 5 percent
• 46 days to 90 days – For general public: 5.75 percent; For senior citizens: 5.75 percent
• 91 days to 180 days – For general public: 5.75 percent; For senior citizens: 5.75 percent
• 181 days to 210 days – For general public: 6.50 per cent; For senior citizens: 6.50 per cent
• 211 days to 270 days – For general public: 6.75 per cent; For senior citizens: 6.75 per cent
• 271 days and above and less than 1 year – For general public: 6.75 per cent; For senior citizens: 6.75 per cent
• 1 year – For general public: 7.60 percent; For senior citizens: 7.60 percent
• More than 1 year to 400 days – For general public: 6.85 per cent; For senior citizens: 6.85 per cent
• Above 2 years and upto 3 years – For general public: 6.50 per cent; For senior citizens: 6.50 per cent
• Above 3 years and upto 5 years – For general public: 6.00%; For senior citizens: 6.00%
• Above 5 years to 10 years – For general public: 5%; For senior citizens: 5.00%

The post Bank of Baroda revised the interest on FD, check the latest interest rate first appeared on Rightsofemployees.com.

Highest Fixed Deposit Interest Rates: We all like to invest in different places to keep our tomorrow financially secure. Everyone wants to invest a huge amount somewhere as per their convenience and get a good return later. For employed people, investing in schemes like Sukanya Samriddhi Yojana, PPF (Public Provident Fund), EPF (Employees Provident Fund) is considered a good option. However, some people also prefer to make fixed deposits.

Want to take advantage of the interest rate on the amount by fixing your amount in the bank for some time. If you also want to keep your money in fixed deposit, then for this you can know about those banks which offer higher interest rates than Sukanya Samriddhi or General Provident Fund. Let us know about two such banks which offer higher interest rates on FD.

Suryoday Small Finance Bank: FD Rates
Suryoday Small Finance Bank offers interest rates up to 9.60 percent on fixed deposits. The bank offers interest rates ranging from 4 percent to 9.1 percent to general customers on FDs of 7 days to 10 years. Up to 9.1 percent interest is given on FD of 5 years duration. Whereas, regular customers can get up to 9.10 percent interest on 5 year FD. At the same time, senior citizens get the benefit of 9.60 percent interest rate on FD of this period.

Unity Small Finance Bank: FD Rates
Unity Small Finance Bank offers interest rates ranging from 4.5% to 9% to regular customers. Whereas, senior citizens get annual interest rates up to 9.5%. The benefit of this percentage interest rate is available on the period of 1001 days. Senior citizens are given 4.5% to 9.5% interest on tenure ranging from 7 days to 10 years.

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FD Rates of Small Finance Bank: Small finance banks are offering more than 9 percent interest on Fixed Deposit. These banks are offering higher interest compared to government and private banks. However, the risk level of these banks is slightly higher than other government and private banks. Here we are telling you about the interest rates available on FDs of such small finance banks. These interest rates are on FDs up to Rs 2 crore.

List of banks

Unity Small Finance Bank: Unity Small Finance Bank is offering 9% interest on FD maturing in 1001 days.

Suryoday Small Finance Bank: Suryoday Small Finance Bank is offering 8.65% interest for FDs maturing in two years and two days.

Ujjivan Small Finance Bank: Ujjivan Small Finance Bank is offering 8.5% interest for FD maturing in 15 months.

Jana Small Finance Bank: Jana Small Finance Bank is offering 8.5% interest for FDs maturing in 365 days.

Equitas Small Finance Bank: Equitas Small Finance Bank is offering 8.5% interest for FD maturing in 444 days.

Utkarsh Small Finance Bank: Utkarsh Small Finance Bank is offering 8.5% interest for FDs maturing between two years to three years.

ESAF Small Finance Bank: ESAF Small Finance Bank is offering 8.25% interest for FDs maturing between two years to less than three years.

AU Small Finance Bank: AU Small Finance Bank is offering 8% interest for FD maturing in 18 months.

The post FD Rates: These banks are giving 9% interest to investors on Fixed Deposit, check bank list first appeared on Rightsofemployees.com.

If you also like low risk then FD is a good option for you. Currently banks are offering interest up to 9 percent on fixed deposits. These banks are giving the highest interest at this time.

Unity Small Finance Bank is offering the highest interest of 9 percent. This bank is offering interest at the rate of 9 percent on FD of 1001 days.

Suryoday Small Finance Bank is giving annual interest at the rate of 8.65 percent on FD of 2 years and 2 days.

Fincare Small Finance Bank is offering the highest interest rate on FD at the rate of 8.61 percent. This offer is for FD of 750 days.

Equitas Small Finance Bank is offering 8.50 percent interest on FD of 444 days. This bank is giving 8.20 percent interest on FD of 1 year tenure and 8 percent interest on FD of 3 years.

The post Higher Bank FD Rates: These banks are giving highest interest on FD, you can get returns up to 9 percent first appeared on Rightsofemployees.com.

Whenever there is talk of savings, the name of fixed deposit (FD) definitely comes up. Your investment in fixed deposit is safe, and you also get guaranteed returns. Banks offering the best FD rates may vary depending on various factors and the specific tenure of the FD. If you also want to invest in FD then this is useful news for you.

Some of the banks in India that are known to offer competitive FD rates include- Kotak Mahindra Bank, HDFC Bank, Axis Bank, ICICI Bank, State Bank of India, Punjab National Bank, IDFC First Bank, Yes Bank, Punjab & Sind Bank, RBL Bank, DCB Bank. Investors should keep in mind that banks change the interest rates on FD at any time. In such a situation, you should know about FD rates before investing.

Best FD rates of 13 banks

• RBL Bank – 8.10 Percent (18 Months To 24 Months)
• DCB Bank – 8 Percent (25 Months To 26 Months)
• IndusInd Bank – 7.75 (1 Year To Less Than 1 Year 6 Months, 1 Year 6 Months To Less Than
• 1 Year 7 Months, 1 Year 7 Months To 2 Years)
• IDFC First Bank – 7.75% (549 Days – 2 Years)
• Yes Bank – 7.75 Percent (18 Months < 24 Months)
• Punjab And Sindh Bank – 7.40 Percent (444 Days)
• Kotak Mahindra Bank – 7.40 Percent (390 Days To Less Than 23 Months)
• Punjab National Bank – 7.25 Percent (400 Days)
• Bank Of Baroda – 7.25 Percent (More Than 2 Years And Up To 3 Years)
• HDFC Bank – 7.25 Percent (18 Months To < 21 Months)
• ICICI Bank – 7.20 Percent (15 Months To < 18 Months)
• ICICI Bank – 7.20 Percent (18 Months To 2 Years)
• Axis Bank – 7.20 Percent (17 Months < 18 Months)
• SBI- 7 Percent (2 Years To Less Than 3 Years)

Insurance cover up to Rs 5 lakh is available on bank deposits.

If you are a bank customer, then you must know that if your bank defaults or goes bankrupt, you get insurance cover up to Rs 5 lakh on bank deposits. DICGC, a company wholly owned by the Reserve Bank of India (RBI), insures the banks of the country.

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SBI, ICICI, Axis Bank Fixed Deposit Rate: Bank fixed deposits (FD) are very popular among investors seeking stable returns and capital preservation. These are considered low-risk investments because they give guaranteed returns. If the bank defaults in payment of the deposited amount, the amount deposited in a particular bank will be insured up to ₹ 5 lakh. Deposits are insured by the Deposit Insurance and Credit Guarantee Corporation Limited (DICGC).

Banks offering the best FD rates may vary depending on various factors and the specific tenure of the fixed deposit. Some banks in India that are known to offer very good FD rates include: Kotak Mahindra Bank, HDFC Bank, Axis Bank, ICICI Bank, State Bank of India (SBI), Punjab National Bank (PNB), IDFC First Bank , YES Bank, Punjab & Sindh Bank, RBL Bank, DCB Bank.

13 banks offering best FD rates

• RBL Bank 8.10% (546 days to 24 months (18 months to 24 months)
• DCB Bank 8% (25 months to 26 months)
• IndusInd Bank 7.75 (1 year to less than 1 year 6 months, 1 year 6 months to less than 1 year 7 months, 1 year 7 months to 2 years)
• IDFC First Bank 7.75 (549 days- 2 years)

The post Best fixed deposit rate: Which bank is offering the highest interest rate on FD and on what tenure? know first appeared on Rightsofemployees.com.

FD Rates: If you are a senior citizen and looking for investment options then FD scheme can be a good option. We are telling you about top-5 such banks in which you can get strong returns by investing FD.

HDFC Bank is offering 7.10 percent interest to senior citizens on tenures ranging from one year to 15 months. At the same time, the bank is offering 7.60 percent interest rate on FD scheme of 15 to 18 months and 7.50 percent interest rate on FD scheme of 18 months to 2 years and 11 months.

ICICI Bank is offering 7.25 percent interest rate to senior citizens on FD scheme of one year to 15 months and 7.05 percent interest rate on FD scheme of 15 months to 2 years.

State Bank of India, the country’s largest bank, is offering FD scheme of one year to two years at 7.30 percent interest rate to its customers. Whereas for 2 to 3 years FD scheme, 7.5 percent interest is being offered by the bank. Under Amrit Kalash Scheme, the bank is offering 7.60 percent interest rate to senior citizens on 400 day FD scheme.

Bank of Baroda is offering 7.35 percent interest rate on FD scheme to senior citizens for 1 to 2 years. At the same time, the bank is offering 7.75 percent interest rate on FD scheme of 2 to 3 years.

Big private sector bank Kotak Mahindra Bank is offering 7.65 percent interest rate on 390 day FD scheme. Whereas the bank is offering 7.80 percent interest rate on 23 month FD scheme.

The post FD Rates: These top-5 banks are giving highest interest to senior citizens, check the complete list here first appeared on Rightsofemployees.com.

113 year old public sector bank Central Bank of India has revised the interest rates on FDs of less than Rs 2 crore. After the revision of this interest rate, the bank is offering 3.5 percent to 7 percent interest to its regular customers on FDs ranging from 7 days to 10 years. The bank is giving interest ranging from 4% to 7.50% to senior citizen customers on FD of this period.

Central Bank of India is offering a maximum interest of 7% to its regular customers on FDs of two years to less than three years. Senior citizens will get maximum interest of 7.50%. According to the official website of the bank, these new rates have come into effect from January 10, 2024.

After this change in interest rates, the bank is giving 3.5 percent interest to its general customers on FD of 7 days to 14 days, 3.75 percent on FD of 15 days to 45 days and 4.50 percent on FD of 46 days. 4.75 percent interest will be available on FD of 60 days to 90 days. At the same time, the bank will give 5.50 percent interest on FD of 91 days to 179 days and 6 percent interest on FD of 180 to 270 days. The bank is now guaranteeing 6.25 percent returns on deposits maturing in 271-364 days.

At 6.75 percent, Central Bank of India is now offering the maximum interest on FDs with maturity of one year to less than two years. The bank is offering 7 percent interest on deposits between 2 to 3 years and 6.50 percent interest on deposits less than 3 to 5 years. The interest rate on deposits maturing in five to ten years is now 6.25 percent.

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Special FD Scheme of Bank of Baroda

In the special FD scheme of Bank of Baroda, special FD has been offered to general citizens and senior citizens at interest rates of 7.10% and 7.60% respectively. This FD is for 360 days. You can invest a minimum of Rs 1,000 in this FD. A maximum of Rs 2 crore can be invested in this scheme. This FD is only for 360 days.

Interest on BOB’s FD

7 days to 14 days – For general public: 4.25 percent; For senior citizens: 4.75 percent

15 days to 45 days – For general public: 4.50 percent; For senior citizens: 5 percent

46 days to 90 days – For general public: 5.50 percent; For senior citizens: 6 percent

91 days to 180 days – For general public: 5.60 percent; For senior citizens: 6.10 percent

181 days to 210 days – For general public: 5.75 percent; For senior citizens: 6.25 percent

211 days to 270 days – For general public: 6.15 percent; For senior citizens: 6.65 percent

271 days and above and less than 1 year – For general public: 6.25 percent; For senior citizens: 6.75 percent

1 year – For general public: 6.85 percent; For senior citizens: 7.35 percent

1 year to more than 400 days – For general public: 6.75 percent; For senior citizens: 7.25 percent

More than 400 days and up to 2 years – For general public: 6.75 percent; For senior citizens: 7.25 percent

Above 2 years and up to 3 years – For general public: 7.25 percent; For senior citizens: 7.75 percent

Above 3 years and up to 5 years – For general public: 6.50 percent; For Senior Citizen: 7.00 percent

More than 5 years to 10 years – For general public: 6.50 percent; For Senior Citizen: 7.00 percent

Above 10 years (Court Order Scheme) – For general public: 6.25 per cent; For senior citizens: 6.75 percent

399 days (Baroda Tricolor Plus Deposit Scheme) – For general public: 7.16 percent; For senior citizens: 7.65 percent

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Bank of Baroda

Bank of Baroda is offering interest at the rate of 7.75 percent on three-year FD. Among public sector banks, Bank of Baroda is giving the highest interest to senior citizens. The amount of Rs 1 lakh invested now will grow to Rs 1.26 lakh in three years.

Axis Bank

Axis Bank is offering interest at the rate of 7.60 percent on three-year FD to senior citizens. The amount of Rs 1 lakh invested now will grow to Rs 1.25 lakh in three years.

HDFC Bank

HDFC Bank, ICICI Bank and Punjab National Bank offer interest rates of 7.50 percent on three-year FDs. The amount of Rs 1 lakh invested now will grow to Rs 1.25 lakh in three years.

Canara Bank

Canara Bank gives 7.30 percent interest on three-year FD to senior citizens. The amount of Rs 1 lakh invested now will grow to Rs 1.24 lakh in three years.

State Bank of India (SBI)

State Bank of India (SBI) is giving 7.25 percent interest on three-year FD to senior citizens. The amount of Rs 1 lakh invested now will grow to Rs 1.24 lakh in three years.

Bank of India

Bank of India and Union Bank of India offer interest at the rate of 7 percent on three-year FD. The amount of Rs 1 lakh invested now will grow to Rs 1.23 lakh in three years.

Indian Bank

Indian Bank is giving interest at the rate of 6.75 percent on three-year FD to senior citizens. The amount of Rs 1 lakh invested now will grow to Rs 1.22 lakh in three years.

Reserve Bank of India

Deposit Insurance and Credit Guarantee Corporation (DICGC), a subsidiary of the Reserve Bank of India (RBI), provides investment guarantee on FDs up to Rs 5 lakh. In simple words, it means that your investment up to Rs 5 lakh in fixed deposit is completely safe.

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New Rate Saving A/C 

IndusInd Bank is offering maximum interest of 6.75 percent on savings account. IndusInd Bank is a private sector bank which gives interest on the basis of the amount kept in the savings account. Let’s know the interest rate

Savings Bank Account Interest Rate – w.e.f. 5th Dec 2023

FD rates of IndusInd Bank (Fixed Deposit Rate on IndusInd Bank)

Interest on FD maturing in 7 to 30 days – 3.50%

Interest on FD maturing in 31 to 45 days – 3.75%

Interest on FD maturing in 46 to 60 days – 4.25%

Interest on FD maturing in 61 to 90 days – 4.60%

Interest on FD maturing in 91 to 120 days – 4.75%

Interest on FD maturing in 121 to 180 days – 5%

Interest on FD maturing in 181 to 210 days – 5.85%

Interest on FD maturing in 211 to 269 days – 6.1%

Interest on FD maturing in 270 to 354 days – 6.35%

Interest on FD maturing in 355 to 364 days – 6.35%

Interest on FD maturing in 1 year to 1 year 6 months – 7.5%

Interest on FD maturing in 1 year to 6 months to 2 years – 7.5%

Interest on FD of 2 years to 3 years – 7.25 percent

Interest on FD of 3 years to 61 months – 7.25 percent

Interest on 5 year FD – 7.25 percent

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DCB Bank New FD Rates : DCB Bank has revised the interest on Fixed Deposit. DCB Bank has increased FD interest rates by 0.10 percent after the monetary policy meeting of RBI. RBI meeting was held only last week in which no change has been made in the repo rate. These new rates have come into effect from today, December 13, 2023. The bank has increased these interest rates on FDs of less than Rs 2 crore. DCB Bank is offering maximum interest of 8 percent to the common people. At the same time, senior citizens are getting maximum interest of 8.60 percent.

DCB Bank revised rates on FD

• The bank is now offering 3.75 percent interest on FDs with a period of 7 days to 45 days.
• The bank is now offering 4.00 percent interest on FDs with a period of 46 days to 90 days.
• The bank is now offering 4.75 percent interest on FDs with a tenure of less than 91 days to six months.
• The bank is now offering 6.25 percent interest on FDs with a period of 6 months to 10 months.
• The bank is now offering 7.25 percent interest on FDs with a period of 10 months to 12 months.
• The bank is now offering 7.85 percent interest on FDs with periods ranging from 12 months, 1 day to 12 months and 10 days.
• The bank is now offering 7.15 percent interest on FDs with a period of 12 months 11 days to 18 months 5 days.
• The bank is now offering 7.55 percent interest on FDs with a period of 18 months, six days to 700 days.
• The bank is now offering 7.55 percent interest on FDs with a period of 700 days to 25 months.
• The bank is now offering 8 percent interest on FD with a period of 25 months.
• The bank is now offering 7.60 percent interest on FDs with a period of 26 months to 37 months.
• The bank is now offering 7.90 percent interest on FD with a period of 37 months.
• The bank is now offering 7.40 percent interest on FDs with a period of 37 months to 61 months.
• The bank is now offering 7.65 percent interest on FD with a period of 61 months.
• The bank is now offering 7.25 percent interest on FDs with a period of 61 months to 120 months.

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Small Finance Banks FD Rates: Despite many investment options available, people still like to invest money in FD schemes. We are telling you about such small saving banks which are giving the benefit of higher interest rates to the customers in a period of only three years as compared to other banks. This list has been made on the basis of data from BankBazaar.

Suryoday Small Finance Bank is offering 8.60 percent interest rate to customers on three-year FD. In such a situation, if you invest Rs 1 lakh for a total of three years, you will get Rs 1.29 lakh on maturity.

Jana Small Finance Bank and Utkarsh Small Finance Bank are offering interest rate of 8.50 percent on three year FD. In such a situation, you will get a return of Rs 1.29 lakh on an investment of Rs 1 lakh.

Fincare Small Finance Bank is offering 8.11 percent interest on three-year FD. In such a situation, on an investment of Rs 1 lakh, you will get a return of Rs 1.27 lakh.

AU Small Finance Bank is offering 8 percent interest rate to its customers on 3 year FD. In such a situation, if you invest Rs 1 lakh for three years, you will get a return of Rs 1.27 lakh.

North East Small Finance Bank is offering customers an interest rate of 7.75 percent on three-year FD. In such a situation, instead of Rs 1 lakh, you will get Rs 1.26 lakh after three years.

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The bank has revised the interest on FD up to Rs 2 crore and these new rates have come into effect from tomorrow, 11 November 2023. The bank has increased the interest on FD of 555 days by 0.40 percent. Now the bank is giving 7.50 percent interest on FD of 555 days.

Bank increased interest on this FD

Jammu and Kashmir Bank is offering 7.50 percent interest on FD of 555 days. Earlier it was paying 7.10 percent interest on it. The bank has increased the interest on this FD by 0.40 percent. There has been no change in the interest on FD for the remaining period. Jammu and Kashmir Bank was formed about 85 years ago and since then the bank has become one of the scheduled commercial banks in the private sector.

Jammu and Kashmir Bank many new FD rates

Jammu and Kashmir Bank is offering interest rate of 3.50% on FD maturing in 7 days to 30 days. Jammu and Kashmir Bank (J&K Bank) is offering an interest rate of Rs 3.50 on FDs maturing in 31 days to 45 days. Jammu and Kashmir Bank is offering 4.60 percent interest on deposits of 46 days to 180 days. The bank is offering 4.75% interest on FDs of 91 days to 180 days. The bank is offering interest of 5.60% on deposits of 181 days to 270 days.

These are the new interest rates of FD

FD of 181 days to 221 days is getting 5.60 percent interest. Earlier the interest rate on FD of 222 days was 5.60 percent. Now it is giving 6.30 percent interest on FD of 222 days. Now interest on FD ranging from 223 days to 270 days will be available at the rate of 5.60%. You will get 6% interest on FD for 271 days to 332 days.

Instead of 6% interest on 333 days FD, you will get 6.60% interest. 6 percent interest will be available on FD of 334 days to one year. Now interest on FD from 1 year to 2 years will be available at the rate of 7.10%. Customers will get interest at the rate of 7% on FDs of two to three years or less. Jammu and Kashmir Bank (J&K Bank) is offering 6.50 percent interest on FDs of 3 to 5 years and 5 to 10 years.

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This benefit will be available to common people, senior and super senior citizens on deposits of less than Rs 2 crore. These new FD rates will be applicable from November 1st. At present, Punjab National Bank is offering the highest rate of 7.25 percent to the common people, which is available for a period of 444 days.

What are the new changes

The bank has informed that it has increased the interest rate on FD for the period of 180 to 270 days for the common people by half a percent and has increased the rates from 5.5 percent to 6 percent. Whereas for the period of more than 271 days and less than one year, FD rates have been increased by 0.45 percent and it has been increased from 5.8 percent to 6.25 percent.

According to the bank’s website, senior citizens i.e. Indian citizens above 60 years and below 80 years will get half percent extra on FD for tenure less than 5 years and 0.8 percent extra on FD for tenure more than 5 years. This increase will be applicable on domestic deposits up to a limit of less than Rs 2 crore.

On this basis, the interest rate on FD for senior citizens for a period of 180 to 270 days has increased from 6 percent to 6.5 percent. Whereas for the period of more than 271 days and less than one year, the FD rate has been increased from 6.3 percent to 6.75 percent.

Whereas for Super Senior Citizens, the interest rate on FD for period of 180 to 270 days has increased from 6.3 percent to 6.8 percent. Whereas for the period of more than 271 days and less than one year, the FD rate has been increased from 6.6 percent to 7.05 percent.

What are the interest rates of Punjab National Bank?

Punjab National Bank is currently offering FD options for a period of 7 days to 10 years in which interest ranging from 4 percent to 7.75 percent is being offered. The highest interest is available on FD of 444 days, here the investor is getting interest up to 7.75 percent.

(Disclaimer: The advice or views given on Rightsofemployees.com are the personal views of the expert, brokerage firm, the website or management is not responsible for it. Before investing, please consult your financial advisor or certified expert.)

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Fixed Deposit Rates: Under Amrit Kalash Scheme, the bank is offering 7.10 percent interest rate to general customers and 7.60 percent interest rate to senior citizens on 400 day FD scheme.

However, do you know that there are many other government banks which are offering higher interest rates to their customers than SBI. Let us know about those banks. This list has been made on the basis of research by Paisa Bazaar.com.

Bank of Baroda is giving 7.25 percent interest to general customers and 7.75 percent interest to senior citizens on FD of 2 to 3 years.

Punjab National Bank is giving 7.25 percent interest rate to general customers on 444 day special FD scheme and 7.75 percent interest rate on FD to customers above 60 years of age.

Punjab Sindh Bank is offering a strong interest rate of 7.40 percent to general customers and 7.90 percent to senior citizens on a tenure of 444 days.

Big public sector bank Canara Bank is offering 7.25 percent interest rate to general customers and 7.75 percent interest rate to senior citizens on 444 day FD scheme.

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Although there are many investment options available in the market. But even today Fixed Deposit (FD Rates) is considered the safest and best option. In which investors get a return in a fixed time. There is no effect of market fluctuations on this. At present, many big banks are giving better returns to their customers on fixed deposits. But today we have brought for you information about FD rates of some such banks in which customers are being given huge returns in just three years.

AU Small Finance Bank and Equitas Small Finance Bank

are offering 8 percent interest to customers making three-year fixed deposits in AU Small Finance Bank and Equitas Small Finance Bank. If an investor invests Rs 1 lakh in these FDs, then after three years this amount will become Rs 1.27 lakh. This FD, which gives huge returns in such a short period of time, remains a favorite of the people.

Suryoday Small Finance Bank

Suryoday Small Finance Bank is offering 8.60 percent interest to bank customers on three-year FD. If you invest in this FD scheme for three years, then after three years you will get 1.27 percent interest.

Deutsche Bank

Deutsche Bank is also giving tremendous returns to its customers on FD. You would be given 7.75 percent interest on FD only for three years. If you invest Rs 1 lakh in Deutsche Bank’s FD scheme for three years, then after three years you will get a return of Rs 1.26 lakh.

That means, if you want to invest your money for three years in a place where you get good returns and there is no risk of market fluctuations, then you can invest in these three banks.

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• Equitas Small Finance Bank is offering interest rates ranging from 4 percent to 9 percent to senior citizens on FDs of 7 days to 10 years.
• Fincare Small Finance Bank is offering interest rates ranging from 3.60 percent to 9.11 percent to senior citizens on FDs ranging from 7 days to 10 years.
• AU Small Finance Bank is offering interest rates ranging from 4.25 percent to 8.25 percent to senior citizens on FDs ranging from 7 days to 10 years.
• Utkarsh Small Finance Bank is offering interest rates ranging from 4.00 percent to 9.00 percent to senior citizens on FD schemes ranging from 7 days to 10 years.
• North East Small Finance Bank is offering interest rates ranging from 3.75 percent to 9.25 percent to customers above 60 years of age.

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Senior citizens also get the benefit of extra interest of 0.50 percent. FD is one of the safest investment options, so you can also invest money in it. Here we are telling you about the FD rates of big banks of the country.

ICICI Bank

This bank is offering interest between 3.00 percent to 7.10 percent on its FD schemes. Senior citizens are getting interest between 3.50 percent to 7.60 percent for FDs ranging from 7 days to 10 years. The interest rates for general customers on FD maturing in one year are 6.70 percent.

HDFC Bank

HDFC Bank is offering good interest rates on fixed deposits maturing in one year. General investors will get 6.60 percent interest rate on these deposits while senior citizens will get 7.10 percent interest rate. HDFC Bank is offering interest ranging from 3 percent to 7.25 percent on its FD.

SBI Bank

General customers get interest ranging from 3 percent to 7.1 percent on FD of State Bank of India (SBI), while senior citizens will get additional interest of 50 basis points i.e. 0.50 percent. It is giving 6.80 percent interest to general customers on one year FD.

Bank of Baroda

Bank of Baroda offers 4.5 percent interest on FDs with a tenure of 181 to 210 days. It is offering an interest rate of 6.75 percent on FDs maturing between one and two years. Senior citizens are being given 7.25 percent interest rate on one year FD.

Punjab National Bank (PNB)

PNB Bank is offering 3.50 percent and 7.25 percent interest on FD. It is giving 6.75 percent interest on FD maturing in one year. Senior citizens are being given an interest rate of 7.25 percent on one year plan.

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These new rates have come into effect from today, September 4, 2023. The bank is offeringc ranging from 7 days to 10 years. The bank is giving interest ranging from 4.75 per cent to 6.75 per cent. The maximum interest the bank is offering on bulk FD is 7.25%.

Interest rates on ICICI Bank’s bulk FD ..

7 days to 14 days: For general public – 4.75 per cent; For senior citizens – 4.75 percent

15 days to 29 days: For general public – 4.75 percent; For senior citizens – 4.75 percent

30 days to 45 days: For general public – 5.50 per cent; For senior citizens – 5.50 percent

46 days to 60 days: For general public – 5.75 per cent; For senior citizens – 5.75 percent

61 days to 90 days: For general public – 6 percent; For senior citizens – 6 percent

91 days to 120 days: For general public – 6.50 per cent; For senior citizens – 6.50 percent

121 days to 150 days: For general public – 6.50 per cent; For senior citizens – 6.50 percent

151 days to 184 days: For general public – 6.50 per cent; For senior citizens – 6.50 percent

185 days to 210 days: For general public – 6.65 per cent; For senior citizens – 6.65 percent

211 days to 270 days: For general public – 6.65 per cent; For Senior Citizen – 6.65 percent

271 days to 289 days: For general public – 6.75 per cent; For Senior Citizen – 6.75 percent

1 year to 389 days: For general public – 7.25 per cent; For senior citizens – 7.25 percent

390 days to less than 15 months: For general public – 7.25 percent; For senior citizens – 7.25 percent

15 months to less than 18 months: For general public – 7.00 per cent; For Senior Citizen – 7.00 percent

2 years 1 day to 3 years: For general public – 6.75 percent; For Senior Citizen – 6.75 percent

3 years 1 day to 5 years: For general public – 6.75 percent; For senior citizens – 6.75 percent

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However, in the last two Monetary Policy Committee meetings, the Reserve Bank has kept the repo rate on hold due to a decline in retail inflation. This decision reflects the objective of keeping the repo rate unchanged.

During the initial year, the Reserve Bank increased the repo rate by 2.50 per cent, resulting in both gains and losses to individuals. On one hand, loans became more expensive, burdening borrowers with higher EMIs. On the other hand, the interest earned on FDs and savings accounts increased.

Consequent to the continuous hike in the repo rate, banks have started offering interest rates above 9 per cent on FDs. It is important to note that this higher rate applies exclusively to senior citizens, while other customers may receive different rates.

Unity Small Finance Bank offers 9.25 percent interest rate on FDs with maturity period of 181 to 201 days. Additionally, an interest rate of 9.50 per cent is available on FDs with a maturity of 1001 days.

Senior citizen customers of Fincare Small Finance Bank can earn an interest rate of 9.11 per cent on FDs with a maturity period of 1000 days.

Jana Small Finance Bank also offers 9 percent plus interest rates to senior citizens. This rate is applicable to FDs with maturity period of 366 to 499 days, 501 to 730 days and 500 days.

Senior citizens can enjoy 9.6 per cent interest rate on fixed deposits with Suryoday Small Finance Bank with a maturity period of 5 years. In addition, 9 percent interest rate is available on FDs with a maturity period of 999 days.

ESAF Small Finance Bank offers 9 percent interest rate on FDs with maturity period of 2 to 3 years to senior citizens.

These attractive interest rates specifically cater to the needs of senior citizens, providing them with great investment opportunities.

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IDBI Bank (IDBI Bank) has changed the interest rates of fixed deposits (FD) of less than Rs 2 crore. The new interest rates have come into effect from June 14, 2023. The bank is offering a rate of 3 per cent on fixed deposits maturing between 7 and 30 days. IDBI Bank will pay an interest rate of 3.25 per cent on fixed deposits maturing between 31 to 45 days. The bank will pay interest at the rate of 4 per cent on fixed deposits maturing between 46 to 90 days. FDs maturing between 91 days and 6 months will now get an interest rate of 4.50 per cent.

Returns on FDs of less than one year

IDBI Bank is offering an interest rate of 5.75 per cent on FDs maturing between more than six months and less than one year. FDs maturing between one to two years (except 444 days) will get an interest rate of 6.80 per cent. 6.5 percent interest rate will be available on FDs with a tenure of more than two years but less than five years.

IDBI Bank tax-saving FD is also offering an interest rate of 6.5 per cent. 6.25 percent interest rate will be available on FDs maturing between five to 10 years.

FD Rates for Senior Citizens

Senior citizens will get an additional 0.50 percent interest rate on all FDs. The interest rate for FDs maturing between 7 to 30 days is 3.50 per cent. The interest rate for FDs maturing between 31 to 45 days is 3.75 per cent. 4.50 percent interest rate will be available on FDs maturing between 46 to 90 days.

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The investment tenure of FDs varies between banks and can be anywhere between seven days to ten years. Investment returns are compounded on a regular basis, monthly, quarterly or annually. If you want to invest in these FDs before the scheme ends, here is a comparison of 1-2 year FD interest rates of banks like HDFC Bank, ICICI Bank, SBI and SBI Amrit Kalash.

State Bank Of India

SBI is providing 6.80% interest rate on FDs from 1 year to 2 years. While the FD rate under Amrit Kalash is 7.10% for a tenure of 400 days which is 13 months 4 days.

HDFC bank

HDFC Bank is offering 6.60% on FDs for 1 year to less than 15 months and 7.10% for 15 months to less than 18 months. These rates are applicable from May 29, 2023. High interest rate of 7.25% is offered for 4 years 7 months to 55 months is the limited edition bank FD.

ICICI Bank

ICICI Bank offers 6.70% for general citizens for tenure less than 1 year to 15 months. The bank offers the highest interest rate of 7.10% for tenors ranging from 15 months to less than 2 years. The rates are applicable from February 24, 2023.

Canara Bank

Canara Bank offers the highest interest rate of 7.25% for general citizens with a tenure of 444 days. These rates are applicable from April 5, 2023.

Yes bank

Yes Bank offers 7.50% interest rate on FDs of 1 year to less than 18 months. These rates are effective from May 2, 2023.

Take special care of these things

Please tell that these interest rates are applicable for the amount less than Rs 2 crore. These rates are applicable only for general citizens, senior citizens get 0.5% higher returns than other customers, and partial and early withdrawals are subject to penalty and vary with banks.

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After repeatedly increasing the interest rates of the banks, the interest rates of FD are also attracting the customers to invest. Mostly all these banks are offering FDs ranging from 7 days to 10 years.

The bank is offering interest ranging from 3 per cent to 7.50 per cent to the general public. At the same time, banks are offering interest ranging from 3.50 per cent to 7.85 per cent to senior citizens.

Bank fd interest rate

Axis Bank is paying interest ranging from 3.5 per cent to 7.85 per cent on FD. Punjab National Bank is offering interest ranging from 3.50 per cent to 7.50 per cent on FD. ICICI Bank is offering interest ranging from 3 per cent to 7.6 per cent. Here you are telling the interest rate of top 10 banks.

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Now mostly all the small finance banks are offering higher interest rates to the customers as compared to other public and private sector banks. Some small finance banks are offering more than 9% interest on FDs. Let us know which banks are offering the highest interest.

These are the small finance banks in which you can invest in FD

1) Unity Small Finance Bank: The bank is giving 9.00% interest to general public and 9.50% to senior citizens on 1001 days FD. Apart from this, the bank is offering 9.25 per cent interest on FDs of 181-201 days.

2) Jana Small Finance Bank: The bank is giving 8.50 per cent interest to general public and 9 per cent interest to senior citizens on FDs of more than two to three years. The bank is giving interest ranging from 4.25 per cent to 9 per cent to the customers.

3) Suryoday Small Finance Bank: The bank is offering 9 per cent interest to the general public and 9.60 per cent to senior citizens on FDs of 999 days. Suryoday Finance is giving a maximum interest of 9.60 per cent to the customers. The interest rates of the bank range from 4.50 per cent to 9.60 per cent. These new rates are applicable from May 5.

4) Equitas Small Finance Bank: The bank is giving 8.50 per cent interest to general public and 9 per cent interest to senior citizens on FDs of 888 days. These new rates are applicable from April 11.

5) ESAF Small Finance Bank: The bank is offering 9% interest on FDs of more than 2 years and less than 3 years. This interest is being given to senior citizens. 8.50 percent interest is being given to the general public.

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However, this time in the MPC meeting in April, the central bank did not make any change in the repo rate. This has given some relief to the borrowers from rising rates in the last 11 months. There has been an increase of 250 basis points (bps) in the repo rate since last year. The last hike was by 25 bps in February 2023, taking the repo rate to 6.5 per cent. The ever-increasing interest rates have made the returns on Fixed Deposits quite attractive. Here are the FD rates available on ICICI Bank, HDFC Bank, Axis Bank and State Bank of India (SBI).

ICICI Bank FD Rates

ICICI Bank is paying 3.00% and 7.10% annual interest on FD. The bank is also giving an extra 0.50 per cent interest to senior citizens. The bank is giving them interest of 3.50% and 7.60%. The period of this scheme is from 7 days to 10 years.

HDFC bank fd rates

HDFC Bank is offering interest on fixed deposits ranging from 7 days to 10 years. The bank is paying an annual interest of 3% to 7.1%. The bank is also giving an extra 0.50 per cent interest to senior citizens. The bank is giving them interest of 3.50% and 7.60%. These interest rates are applicable from 21 February.

Axis Bank FD Rates

Axis Bank is offering annual interest ranging from 3.50 per cent to 7.20 per cent. The bank is offering interest ranging from 3.50 to 7.95% per annum to the general public. The bank is offering interest ranging from 7 days to 10 years. These rates are applicable from April 21.

SBI FD Rates

The country’s largest public sector bank State Bank of India (SBI) is offering FDs for periods ranging from 7 days to 10 years. SBI FD interest rates for the general public range from 3.00% p.a. to 7.10% p.a. Interest rates of 3.50% to 7.60% for senior citizens are applicable from February 15.

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On the one hand, the bank has reduced the interest rates by 0.50 per cent for selected tenures, while on the other hand, it has also increased it by 0.40 per cent for selected tenures. According to the official website of the bank, the bank has changed the interest rates for FDs of less than 2 crores. The bank’s new FD interest rates will be applicable from April 10, 2023.

7.25% interest will be available for 444 days

After the change, instead of 7% on FD of 444 days, the bank will now give a maximum interest of 7.25%. The bank will continue to pay an additional 0.50 per cent to the standard rate to senior citizens and 0.75 per cent to its super senior citizens.

New FD rates of Indian Overseas Bank

The bank is offering its customers 4% on FDs of 7 days to 14 days, 4% on FDs of 15 days to 29 days, 4.25% on FDs of 30 days to 45 days and 46 days to 60 days. Will give 4.25 percent interest on FD. At the same time, the bank will pay 4.25 percent interest on FDs of 61 days to 90 days, 4.50 percent on FDs of 91 days to 120 days and 4.50 percent on FDs of 121 days to 179 days.

On the other hand, the bank will pay 4.95 per cent interest on FDs from 180 days to 269 days, 5.35 per cent on FDs from 270 days to less than 1 year and 6.50 per cent on FDs from 1 year to less than 2 years.

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After May 2022, the Reserve Bank of India (RBI) has increased the repo rate at frequent intervals. After this increase in the repo rate, many big government and private banks of the country have increased their fixed deposit (FD) rates. These banks include big banks like State Bank of India (SBI) and HDFC Bank. Let us know today about those banks which are giving maximum interest on FD to their customers.

Getting 7.80% interest from here

After this increase in interest rates, SBI is giving 3% to 7.10% interest to its general customers. While HDFC Bank is giving 3% to 7.10% interest to its general customers and ICICI Bank is giving 3% to 7.10% interest to its general customers. Apart from this, Punjab National Bank (PNB) is giving interest of 3.50% to 7.25%, RBL Bank 3.50% to 7.80% and Axis Bank 3.50% to 7.26% to its general customers.

Maximum 8.30% interest is being received

On the other hand, SBI is giving interest of 3.50% to 7.60%, HDFC Bank 3.50% to 7.75% and ICICI Bank 3.50% to 7.60% to its senior citizen customers. On the other hand, Punjab National Bank is giving 4% to 7.75% interest to its senior citizen customers while Axis Bank is giving 3.50% to 8.01% interest to its senior citizen customers and RBL Bank is giving 4% to 8.30% interest to its senior citizen customers.

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This increase in term deposits has also been done for general customers and NRO and NRE. The bank has increased the interest of term deposits by 0.25 percent. These rates will be applicable for deposits of less than Rs 2 crore. Bank of Baroda has increased the interest on Tax Saving Term Deposit as well as Baroda Advantage Fixed Deposit by 25 basis points i.e. 0.25 per cent. Now the interest on FD (Fixed Deposit – FD) of Bank of Baroda has also changed.

Interest on BOB’s FD

7 days to 14 days – For general public: 3.00 per cent; For Senior Citizen: 3.50 percent

15 days to 45 days – For general public: 3.00 per cent; For Senior Citizen: 3.50 percent

46 days to 90 days – For general public: 4.50 per cent; For Senior Citizen: 5 percent

91 days to 180 days – For general public: 4.50 per cent; For Senior Citizen: 5 percent

181 days to 210 days – For general public: 5.25 per cent; For Senior Citizen: 5.75 percent

211 days to 270 days – For general public: 5.75 per cent; For Senior Citizen: 6.25 percent

271 days and above and less than 1 year – For general public: 5.75 per cent; For Senior Citizen: 6.25 percent

Bank of Baroda has increased the interest on FD.

1 year – For general public: 6.75 per cent; For Senior Citizen: 7.25 percent

1 year to more than 400 days – For general public: 6.75 per cent; For Senior Citizen: 7.25 percent

More than 400 days and up to 2 years – For general public: 6.75 per cent; For Senior Citizen: 7.25 percent

Above 2 years and up to 3 years – For general public: 6.75 per cent; For Senior Citizen: 7.25 percent

Above 3 years and up to 5 years – For general public: 6.50 per cent; For Senior Citizen: 7.15 percent

Above 5 years to 10 years – For general public: 6.50 per cent; For Senior Citizen: 7.50 percent

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According to experts, this is the right time to invest money in fixed deposits. Because, banks are revising the interest rates not once but thrice. Ever since the RBI has increased the rate to 6.25 percent on December 7, 2022, since then a continuous increase in interest rates is being seen. In such a situation, if you want to invest with guaranteed returns, then 5 banks are offering good interest rates on tenure of 1 year.

Highest FD Rates are being given by 5 banks on FDs with tenure of 1 year

• Bandhan Bank has offered to pay 7.25 percent interest rate on investing in FDs with a tenure of 1 year.
• DCB Bank has offered investors an interest rate of 7.25 per cent on FDs maturing in 1 year.
• IndusInd Bank has said that it will give 7.00 percent interest rate to investors in 1 year FD.
• RBL Bank will give 7.00 percent interest rate to its customers who invest on FDs maturing in 1 year.
• Yes Bank has also said that it will give 7.00 percent interest rate to its customers instead of investing in FDs with maturity of 1 year.

Investing on FD of 1 year tenure will give 74 thousand profit.

If you choose to invest in FD of Bandhan Bank or DCB Bank and invest 10 lakh rupees, then after 1 year, when the FD matures, you will get a total interest of 7.25%. 10,74,495 will be available. 74,495 will be the interest rate, which will be your profit. On the other hand, if you invest Rs 10 lakh in FD of IndusInd Bank, RBL Bank or Yes Bank, then you will get Rs 71,859 interest at the rate of 7 per cent, while the total return will be Rs 10,71,859.

Penalty rules on FD withdrawal before maturity

Most banks charge a penalty for premature closure of fixed deposits. According to the website of Punjab National Bank, 1% penal interest will be charged at the time of premature withdrawal or partial withdrawal of Domestic Fixed Deposit for all tenures. The penalty rate of banks may vary on pre maturity withdrawal.

Withdrawal option on maturity of FD:

On maturity of your FD, the investor has two options. Investors can either withdraw their entire money or invest the money in a new FD. On FD maturity, you can withdraw your deposit from the bank branch either online or offline.

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HDFC Bank is giving highest interest on this FD

HDFC Bank is giving 7.10 percent interest to the general public on FDs of less than 15 months to 18 months. At the same time, 7.60 percent interest is being given to senior citizens on this FD. This is the maximum interest on FD of the bank. The bank has increased interest by 0.10 per cent on FDs of less than 1 year to 15 months. Now the bank was paying 6.60 percent interest on it to the general public, which was earlier 6.50 percent.

HDFC Bank FD rate

7 days to 14 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

15 days to 29 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

30 days to 45 days: For general public – 3.50 per cent; For Senior Citizen – 4.00 percent

46 days to 60 days: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

61 days to 89 days: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

Less than 90 days equal to 6 months: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

6 months 1 day to less than 9 months: For general public – 5.75 per cent; For Senior Citizen – 6.25 percent

9 months 1 day to less than 1 year: For general public – 6.00 per cent; For Senior Citizen – 6.50 percent

1 year to less than 15 months: For general public – 6.60 per cent; For Senior Citizen – 7.10 percent

15 months to less than 18 months: For general public – 7.10 per cent; For Senior Citizen – 7.60 percent

18 months 1 day to less than 21 months: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

21 months to 2 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

2 years 1 day to 3 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

3 years 1 day to 5 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

5 years 1 day to 10 years: For general public – 7.00 per cent; For Senior Citizen – 7.75 percent.

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8.50% interest is being given to senior citizens on FDs for 2 to 3 years. According to the official website of the bank, the new rates on the bank’s FD will be applicable from February 15, 2023. The bank has increased the interest on fixed deposits above Rs 2 crore. After increasing the repo rate of RBI, most all the banks are increasing the interest on FD.

ESAF Small Finance Bank FD Rates

ESAF Small Finance Bank (SFB) is offering a maximum interest of 8.60% to senior citizens and 8.00% to general public. These new rates are being given on new FDs and renewable FDs. These new rates will not be applicable on existing running FDs.

Getting so much interest

The bank is now offering interest on FDs maturing in 7 days to 10 years. SFB is offering 4.00% to 8.10% interest to general public and 4.50% to 8.60% interest to senior citizens. The bank is paying 8.10 per cent interest to common people and 8.60 per cent to senior citizens on FDs maturing in 999 days. The bank is offering the highest interest on FDs of 999 days only.

These are the interest rates

ESAF Small Finance Bank is offering 4.00% interest on FDs maturing in 7 to 14 days. Apart from this, ESAF Small Finance Bank is offering an interest of 4.50% on deposits maturing in 15 to 59 days, 5.00% on FDs maturing in 60 to 90 days. ESAF Small Finance Bank is paying 5.25% interest on FDs maturing in 91 to 182 days.

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He is giving interest of minimum 3.50 per cent and maximum 7.50 per cent to the customers. This interest rate is available on FDs of less than Rs 2 crore. After the recent revision of 0.25 per cent in the repo rate by the RBI, banks have started increasing interest on FDs. IDBI has increased the interest on its 91 days FD by 0.25 per cent.

Interest increased on 700 days FD

After the revision in FD rates, the bank is offering 7.25 per cent interest to the general public and 8 per cent to senior citizens on FDs of 700 days. These new rates have come into effect from today, February 13.

IDBI increased interest on FDs of less than Rs 2 crore

7 days to 14 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

15 days to 30 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

31 days to 45 days: For general public – 3.25 per cent; For Senior Citizen – 3.85 percent

46 days to 60 days: For general public – 4.25 per cent; For senior citizens – 4.75 percent

61 days to 90 days: For general public – 4.25 per cent; For senior citizens – 4.75 percent

91 days to 6 months: For general public – 4.75 per cent; For senior citizens – 5.25 percent

6 months 1 day to 270 days: For general public – 5.50 per cent; For senior citizens – 6 percent

271 days to less than 1 year: For general public – 5.5 per cent; For Senior Citizen – 6.00 percent

1 year: For general public – 6.75 per cent; For Senior Citizen – 7.25 percent

Above 1 year to 2 years: For general public – 6.75 per cent; For Senior Citizen – 7.50 percent

2 years 1 day to less than 3 years: For general public – 6.50 per cent; For Senior Citizen – 7.25 percent

3 years to less than 5 years: For general public – 6.25 per cent; For Senior Citizen – 7.00 percent

5 years: For general public – 6.25 per cent; For Senior Citizen – 7.00 percent

Above 5 years to 7 years: 6.25 per cent; For Senior Citizen – 7.00 percent

Above 7 years to 10 years: 6.25%; For Senior Citizen – 7.00 percent

Above 10 years to 20 years: 4.80 per cent; For Senior Citizen – 5.30 percent

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Shriram Finance Limited, one of the largest NBFCs in the country, belongs to the Shriram Group. Shriram Finance Limited is offering an interest of 9.05% per annum. Women senior citizens are getting this special FD rate. Shriram Finance Limited is offering 0.50% extra interest to senior citizens and 0.10% extra interest to women. Let us know about the FD schemes of Shriram Finance Limited.

Shriram Finance Limited had recently increased the interest

Shriram Finance Limited recently increased interest rates on FDs by 5 to 30 basis points. That is, the interest on FDs was increased from 0.05% to 0.30%. According to the company, customers can earn interest ranging from 9.05 percent to a maximum of 9.36 percent on customer FDs and an additional interest of 0.25 percent will also be given on all renewals. Shriram Finance Limited is giving additional interest of 0.50% to senior citizens and 0.10% to women.

These are the interest rates

The company said in an official statement that Shriram Finance has increased the interest on fixed deposits to 9.36 per cent. After the yield on this, you will get interest around 11.29 percent. The company said that the interest of FDs ranging from 12 months to 60 months has been renewed. You can apply offline or online with Shriram Finance Limited.

FD interest can be calculated on the website

Shriram Finance Limited had increased interest by 0.30 per cent on 12-month FDs. The interest received on this was earlier 7 per cent, which was increased to 7.30 per cent. Interest on 60-month FDs was increased by 0.15 per cent from 8.30 per cent to 8.45 per cent. Now a maximum interest of 9.05 per cent and 9.36 per cent is being offered. You can see the calculation of interest received by visiting the website of Shriram Finance Limited.

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After increasing the repo rate of RBI, most of the banks have increased the interest on FD. RBI started increasing the interest from May 2022 and last time on 7th December, RBI has increased the repo rate.

FD Rates of Shivalik Small Finance Bank

The bank now offers 3.75% interest on FDs maturing in the next 7 to 14 days. Shivalik Small Finance Bank (SFB) is offering 4.00% interest on FDs maturing in 15 to 29 days. Shivalik Small Finance Bank is paying an interest of 4.50% on FDs of 30 days to 90 days. The bank is offering an interest of 5.00% for FDs of 91 days to 180 days.

These are FD rates

5.75% interest will be given on FDs maturing in less than 6 months to 12 months. FDs maturing in less than 12 months to 18 months will get a return of 7.50%. Shivalik SFB is now offering customers a maximum return of 8.00% on FDs maturing in 18 months to 36 months. Deposits maturing in 36 months and 1 day to 60 months will earn an interest of 7.00%. Shivalik SFB customers will now get a return of 6.75% on deposits maturing in 60 months 1 day to 120 months. The bank’s tax saver FD ie 5 years (60 months) is getting a return of 7.00%.

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RBI has increased the repo rate by up to 2.25 percent since May till now to control inflation. HDFC Bank is offering 3.00% to 7.00% interest to the general public and 3.50% to 7.75% to senior citizens on FDs ranging from 7 days to 10 years. HDFC Bank is now offering a maximum interest rate of 7.00% to general public and 7.75% to senior citizens on FDs of 5 years, 1 day to 10 years. These new rates have come into effect from January 24.

HDFC bank FD rate

7 days to 14 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

15 days to 29 days: For general public – 3.00 per cent; For Senior Citizen – 3.50 percent

30 days to 45 days: For general public – 3.50 per cent; For Senior Citizen – 4.00 percent

46 days to 60 days: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

61 days to 89 days: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

Less than 90 days equal to 6 months: For general public – 4.50 per cent; For Senior Citizen – 5.00 percent

6 months 1 day to less than 9 months: For general public – 5.75 per cent; For Senior Citizen – 6.25 percent

9 months 1 day to less than 1 year: For general public – 6.00 per cent; For Senior Citizen – 6.50 percent

1 year to less than 15 months: For general public – 6.60 per cent; For Senior Citizen – 7.10 percent

15 months to less than 18 months: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

18 months 1 day to less than 21 months: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

21 months to 2 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

2 years 1 day to 3 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

3 years 1 day to 5 years: For general public – 7.00 per cent; For Senior Citizen – 7.50 percent

5 years 1 day to 10 years: For general public – 7.00 per cent; For Senior Citizen – 7.75 percent.

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Bank will get the benefit of interest rate ranging from 3.00% to 7.00% to the common man and 3.50% to 7.75% to the senior citizen on tenure ranging from 7 days to 10 years. HDFC Bank At present, the common man will get the maximum interest rate of 7.00% and the senior citizen will get the benefit of 7.75% interest rate, for this he will have to deposit 5 years from one day to 10 years.

Getting this much interest rate

The bank offers an interest rate of 3% for deposits maturing in 7 to 29 days, 3.50% for deposits maturing in 30 to 45 days, 4.50% for deposits made between 46 and 6 months, 5.75% interest rate for deposits made between 6 months to 9 months, 6.00% interest rate for deposits maturing in 9 months, 1 day to 1 year, 6.60% for deposits maturing in 1 year to 15 months Rate of interest and offering the benefit of an interest rate of 7.00% on deposits maturing in 15 months to 10 years.

Additional interest rate benefit of 50 bps is being given to senior citizens on deposits ranging from 7 days to 5 years.

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After this increase, apart from big government and private banks, most of the non-banking finance companies (NBFCs) have also increased their FD rates.

If you also want to invest your money in FD, then Bajaj Finance Ltd has brought a great opportunity for you. Bajaj Finance has increased its FD rates for a time period of 44 months. General customers of Bajaj Finance will now get 7.85% interest on 44-month FDs and 8.1% for senior citizen customers. The increased new interest rates are applicable from January 20.

There may be an increase in FD rates in the future, while still many experts believe that this increase in FD rates is going to continue further. The major reason for this is to increase the report by RBI at frequent intervals to control the rising inflation. Bajaj Finance offers FDs to its customers for 15 months, 18 months, 22 months, 30 months, 39 months and 44 months.

Getting 7.7% interest here

Bajaj Finance, on the other hand, will give 7.4% interest to its senior citizen customers on cumulative FDs of 12 to 14 months. While Bajaj Finance will give 7.55% interest to its customers on 15-month special FD and 7.7% on 22-month special FD. Apart from this, you can also invest in FDs from 12 months to 60 months with Bajaj Finance.

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At the same time, Small Finance Banks are giving interest of 8.50 percent for common people to senior citizens. Although some small finance banks are giving up to 9 percent interest for senior citizens.

FD investment can be a good option for some people, but experts believe that FD rates may increase further. In such a situation, if you are also thinking of investing in these small finance banks for 9 percent interest, then know what you should do, so that no problem arises. 

Which banks are giving interest up to 9 percent 

• Suryoday Small Finance Bank is giving 8.51 percent interest to common people and 8.76 percent to senior citizens on 999 days FD.
• Unity Small Finance Bank is giving 8.50 percent interest to common people and 9.00 percent interest to senior citizens on 181 and 501 days.
• Ujjivan Finance Bank is paying 8.20% interest on deposits with a tenure of 560 days.
• ESAF Small Finance Bank is giving 8% interest to common people and up to 8.50% to senior citizens on 999 days FD.
• Utkarsh Small Finance Bank is paying 8.25 per cent interest for general citizens and 9 per cent interest for senior citizens on 700 days FD. 

Keep these things in mind before investing 

If you are planning to invest in these small finance banks, then you should pay special attention to some things. Before taking the risk, it should be checked whether this bank is in trouble or not. Up to Rs 5 lakh is insured under the Deposit Insurance Scheme of RBI. In this insurance you get both the principal amount and the interest. If you invest in it, you can also take additional insurance.

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After the revision in the interest rates of Citibank, it is paying 2.10% to 7.25% interest to the common people on FDs maturing in 7 days to 10 years. These new rates are available on FDs of Rs 2 crore or less. New rates will be available only for new FDs and FDs that are being renewed.

Citi Bank FD Rates

The bank is offering an interest rate of 3.00% on deposits maturing in 7 days to 30 days. Citibank is offering 2.15% interest on FDs maturing in 15 days to 35 days. Citibank is offering an interest rate of 3.50% on FDs maturing in 36 days to 180 days. Paying 7.25 percent interest on FDs of 181 to 400 days. 3.50% interest is being paid on FDs of 401 to 1096 days. Citibank is offering a maximum interest of 7.25 per cent on FDs of 181 days to 400 days.

FD rates increased due to increase in repo rate

FD interest rates continue to rise from May 2022. RBI started increasing the repo rate from May last year to control inflation. Since then, the repo rate has been increased by 2.25 percent. Although there was a reduction in the inflation rate in November, but even then the RBI increased the repo rate by 0.35 percent on 7 December. After that all the banks started making the loan costlier. Also started increasing the interest on FD.

These banks have increased interest on FD

After increasing the repo rate of RBI in the banking sector, most of the banks are increasing the interest on FD. Now there is a competition among the banks regarding the interest rates on FDs. Everyday one or the other bank is increasing the interest on FD. Till now banks like Yes Bank, SBI, HDFC, Indian Overseas have increased interest on FDs.

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Persons above 60 years of age are called senior citizens and those above 80 years of age are called super senior citizens Persons above the age of 60 years are called senior citizens and those above the age of 80 years are called super senior citizens. Many banks offer higher interest to their customers. Here we are giving you the list of 4 banks which are offering more interest to super senior citizens.

Punjab National Bank

According to PNB’s website, super senior citizens above 80 years of age get 80 basis points i.e. 0.80 per cent more interest. PNB is offering a maximum interest of 8.10% to Super Senior Citizens for a tenure of 666 days. This rate has come into effect from 12 December 2022. Apart from this, senior citizens of 60 to 80 years are being given 0.50 percent more interest on 5-year FDs. This interest is being given on FDs of less than Rs 2 crore.

RBL Bank

For people aged 80 years and above, an additional interest of 0.75% per annum is being given. At present the bank gives 8.30% interest to senior citizens. These new rates have come into effect from 25 November 2022. Apart from this, super senior citizens can take advantage of an additional interest of 0.50% per annum.

Indian Bank

Indian Bank is giving 0.25% extra interest to super senior citizens. It is being given after the extra interest of 0.50 per cent being given to senior citizens.

Union Bank of India

An additional interest of 0.75 per cent is being given to all super senior citizens. These new rates have come into effect from 1 December 2022. The bank is giving a maximum interest of 8.05% to Super Senior Citizens. These rates are being given on FDs ranging from 800 days to 3 years.

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Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

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According to the official website of the bank, these new rates have come into effect from December 12, 2022. The bank is now offering FDs of 7 days to 10 years to its customers. AU Small Finance Bank is offering interest ranging from 3.75% to 7.20% on FDs. A maximum interest of 7.25% is being given to retail investors in the savings account.

AU Small Finance Bank – FD Rates

The bank is offering 3.75% interest on FDs of 7 days to 1 month and 15 days. 4.25% on FDs from 1 month to 3 months, 5% interest is being given on FDs from 3 months 1 day to 6 months. 6 months 1 day to 12 months FD is paying 6.10 percent interest. Paying 7.35% interest on FDs of 12 months to 15 months. 7.20 percent interest is being received on FDs ranging from 15 months to 24 months. The bank is paying 7.75 per cent interest on 24-month FD. Paying 7.20% interest on FDs ranging from 45 months to 120 months. The bank is giving a maximum interest of 8.50 per cent to senior citizens.

AU Small Finance Bank is offering interest ranging from 3.75% to 7.98% on FDs.

AU Small Finance Bank Savings Account Interest Rate

The bank is offering an interest of 3.50% on a savings account of less than Rs 1 lakh. 5.00% interest is being received on savings account from Rs 1 lakh to Rs 10 lakh. 6.00% on savings account from Rs 10 lakh to Rs 25 lakh, 7.00% on savings account from Rs 25 lakh to Rs 1 crore and 7.25% interest on savings account balance from Rs 1 crore to Rs 10 crore Staying The interest on the savings account is determined on a daily basis.

This is the interest on savings account

1 to 99,999 – 3.50%

1 Lakh to 9,99,999 – 5.00%

10 Lakh to 24,99,999 – 6.00%

25 Lakh to 1 Crore – 7.00%

1 Crore to 2 Crore – 7.25%

2 Crore to 5 Crore – 7.25%

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FD Rates Increased: ICICI Bank, the country’s largest private sector bank, has increased the interest rates on its bulk FD ie deposits of more than 2 crores. After this increase, now another private bank has taken this decision. The name of this bank is Axis Bank.

Recently this bank has decided to increase the interest rate on its deposits of more than 2 crores. These new rates have come into effect from 29 November 2022. The bank had offered interest rates ranging from 3.75 per cent to 7.20 per cent on FDs ranging from Rs 24.75 crore to Rs 25 crore to its ordinary citizens.

On the other hand, talking about senior citizens, it is offering interest rates ranging from 3.75 percent to 7.95 percent. In such a situation, this bank is offering more returns than the rate of inflation to the customers. In the month of October, the inflation rate in the country has been 6.77 percent. On the other hand, if you want to get an FD of Rs 5 to 10 crore in the bank, then we are giving you information about the latest interest rate offered by the bank-

Axis Bank interest on FD of Rs 5 to 10 crores-

• 7 to 14 days FD – 4.65%
• 15 days to 45 days FD – 5.00%
• FD from 46 days to 6 months – 6.00 percent
• FD from 6 months to 9 months – 6.35 percent
• FD from 9 months to 1 year – 6.40 percent
• 1 year to 1 year 5 days FD – 7.15%
• FD of 1 year 5 days to 3 years – 6.80%
• FD from 3 years to 10 years – 6.30 percent

ICICI Bank increased the interest rate on FDs of 2 to 5 crores-

ICICI Bank is offering interest rates ranging from 3.75 percent to 6.50 percent to its ordinary citizens. At the same time, the bank is offering interest rates ranging from 3.75 percent to 6.50 percent to senior citizens. These new rates have come into effect from 23 November 2022. Let us know about the interest rate available on different periods-

• 7 to 29 days FD – 3.75%
• 30 to 45 days FD – 4.75 percent
• FD of 46 to 60 days – 5.00 percent
• 61 to 90 days FD – 5.25 percent
• FD of 91 to 184 days – 5.75%
• FD of 185 days to 270 days – 6.00%
• FD from 271 days to 1 year – 6.25 percent
• FD from 1 year to 15 months – 6.75 percent
• FD from 18 months to 3 years – 6.80 percent
• 3 to 5 days FD – 6.80%
• FD from 5 to 10 years – 6.50 percent

RBI increased the interest rate many times

To control the rising inflation in India, RBI is continuously increasing the interest rates. Since May till now, the repo rate has increased from 4.00 percent to 5.90 percent. The last time the Reserve Bank increased the interest rate was on 30 September. In such a situation, due to this increase, many banks are increasing the interest rate in both their bulk and retail FDs. Now many banks like Federal Bank, State Bank of India, Punjab National Bank, ICICI Bank, Axis Bank, Indian Overseas Bank Has increased its fixed deposit rates.

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The new rates have come into effect from yesterday, November 23. Kotak Bank is offering FDs ranging from 7 days to 10 years to its customers. It is offering interest ranging from 2.75 per cent to 6.20 per cent to general customers. At the same time, senior citizens are being given interest of 3.25 per cent to 6.70 per cent. The bank is paying the highest interest of 7% on FDs ranging from 23 months to 2 years. Earlier, the bank had increased the FD rates on 1 November. Kotak Bank has increased the interest for the second time in a month.

These are the new rates of Kotak Bank

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Depositing money in Fixed Deposit (FD) still remains the first choice of most people to get guaranteed returns after a fixed period. Banks also keep changing their FD rates from time to time. But after the continuous increase in the repo rate by the RBI after May, there was a competition among the banks to increase the FD rates. In this sequence, Unity Small Finance Bank has increased its FD rates for the second time in November. After this change in interest rates, the bank is offering up to 9% interest to its senior citizen customers for a fixed time period. The increased new interest rates are applicable from 21 November.

9% interest on FD of this time period

Unity Small Finance Bank is giving 4.5% to 8.50% interest to its general customers on FDs of less than Rs 2 crore. At the same time, after the latest increase in interest rates, the bank is giving 8.50% interest to its general customers and the highest 9% interest to its senior citizen customers on FDs of 181 days to 501 days.

On the other hand, the bank has also increased the interest rates on callable and non-callable bulk deposits above Rs 2 crore. After this increase, this small finance bank is paying 8% interest on callable deposits and 8.10% on non-callable deposits.

RBI has increased the repo rate for the fourth time in a row To stop rising inflation, the Reserve Bank of India (RBI) has increased the repo rate for the fourth time in a row after May. After this increase, the repo rate has increased to 5.90%.On September 30, the RBI had decided to increase the repo rate by 0.50% for the fourth time in the monetary policy meeting.

After this increase in the repo rate, it increased from 5.40% to 5.90%.Ever since the RBI has increased the repo rate, apart from the big banks of the country, many financial banks have also increased their FD rates continuously.

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Bank New FD Rates 2022: After the increase in the repo rates by the Reserve Bank, the benefit for those who keep deposits in the bank increases continuously. In fact, with the increase in the repo rates, banks are also increasing the fixed deposit rates continuously and the rates on FD are becoming more beneficial.

In this episode, Kotak Mahindra Bank and Bank of India have changed their rates. The FDs of these two will now get more interest than before. If you are also planning to get FD, then you can see the option in these banks.

Kotak Mahindra Bank increased FD rates by how much

Kotak Mahindra Bank has changed the interest rates on FDs of less than 2 crores from 1st November. After the change, an interest of 6.1 percent will be available on FD for 365 days to 389 days. On the other hand, senior citizens will get an interest of 6.6 percent for this period.

From 391 days to less than 23 months, 6.25 percent interest will be available, while senior citizens will get 50 basis points more ie 6.75 percent interest on this. For tenures of more than 2 years but less than 3 years, the interest rate has gone up to 6.3 per cent. On the other hand, senior citizens will get an interest of 6.8 percent. The maximum rate of interest has been increased to 6.3 percent for common people and 6.8 percent for senior citizens.

What is the FD rates of Bank of India

Bank of India has changed the rates for FDs below Rs 2 crore from 1st November. For more than one year but less than 2 years, the interest rates have gone up to 5.75 percent. At the same time, the interest rates for more than 2 years but less than 3 years are also at 5.75 percent. Between 3 years to 5 years the rates are at 6.25 percent. And the rates for between 5 years to 8 years are at 5.75 percent.

The bank is also offering additional interest to senior citizens. Senior citizens will get an additional half percent interest annually in the rates. The condition for this is that the period of FD is more than 6 months and maximum for 10 years, while the minimum amount of FD is Rs 5000. On the other hand, if a senior citizen makes an FD for more than 3 years, then he will get 0.75 percent additional interest instead of half a percent.

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According to the official website of the bank, the new rates are effective from today 26 October 2022. After the revision, the bank is now offering interest rates ranging from 3.50% to 6.10% on deposits maturing in 7 days to 10 years.

Punjab National Bank is now offering a maximum interest rate of 7% for general public, 7.50% for senior citizens and 7.80% for super senior citizens. Citizens PNB is offering an additional 80 basis points (BPS) on Fixed Deposits (FDs) for senior citizens above the age of 80 years. Additional interest rate is available on all tenors ranging from 7 days to 10 years.

Check Latest FD Rate

— On deposits maturing in 46 to 90 days, the bank has increased the interest rate from 3.75% to 4.50%.
The interest rate on deposits maturing in less than 1 year from 180 days has been increased from 5% to 5.50%.
The interest rate on deposits maturing in 1 year has increased from 5.70% to 6.30%.
Bank has increased the interest rate on deposits maturing in 600 days from 6.50% to 7%. Whereas super senior citizens will get interest at the rate of 7.80%.
– Deposits maturing in 601 days to 2 years will now get an interest rate of 6.30% as against 5.70% earlier.
PNB has increased the interest rates on deposits maturing in 2 to 3 years by 45 bps from 5.80% to 6.25%.
Interest rates on deposits maturing in 3 to 5 years have been increased by 30 bps.
The bank has increased the interest rate on deposits maturing in 5 to 10 years from 5.85% to 6.10%.

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Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

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After the month of May, as soon as the RBI started increasing the repo rate continuously, many banks in the country have increased their FD rates almost every month. Now the name of Fincare Small Finance Bank has also been added to this race. The bank has also announced an increase in the interest rate on FDs of less than Rs 2 crore. According to the official website of the bank, the increased new interest rates are applicable from October 11.

New FD Rates of Fincare Small Finance Bank Bank FDs of 91 days to 180 days, 4.5 percent, 181 days to 364 days FDs 5.5 percent, 12 months to 24 months FDs 6.75 percent, 500 days FDs 7.25%, 1000 days FDs 7.75%, Interest will be 7% on FDs of 24 months 1 day to 48 months, 6.75% on FDs of 48 months 1 day to 59 months and 6% on FDs of 66 months 1 day to 84 months.

Senior Citizens to get 8.25% Interest

Fincare Small Finance Bank will offer an additional 0.50% interest rate to its Senior Citizen customers over and above the General Interest Rate. Now senior citizen customers of this bank will get 3.5% to 8.25% interest on FDs of 7 days to 10 years. On the other hand, if the senior citizen is the ‘first holder’ in the joint account, only then the interest rate plan with the senior citizen will be applicable.

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Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

The post Post Office FD Rates Increased: Big news! Post Office released new FD rates, check new rates here immediately first appeared on Rightsofemployees.com.

Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

The post Post Office Fixed Deposit Rates Increased: Big news! Post Office released new FD rates, check new rates here instantly first appeared on Rightsofemployees.com.

Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

The post Post Office FD Rates Increased: Big news! Post Office released new FD rates, check new rates here instantly first appeared on Rightsofemployees.com.

Since FDs are free from market volatility, it is a safe investment. Between Corona, most banks had reduced their interest rates. But after increasing the repo rate, some banks have increased the interest rates of FDs. There are many banks and small finance banks that are offering interest up to 7.5%.

Ujjivan Small Finance Bank

If we talk about small finance banks, then Ujjivan Small Bank is giving the highest interest on FD. According to the bank’s official website, interest of 7.70% is being given on Platina FDs less than 2 crores and more than Rs 15 lakhs. Ujjivan Bank is giving this interest on FDs maturing in 525 days and 990 days.

Jana Small Finance Bank

In Jan Small Bank, customers with a duration of more than 3 years and less than 5 years and FDs of more than Rs 15 lakh and less than Rs 2 crore are being given an interest of 7.5%. The new interest rates are applicable from 18 August 2022.

Deutsche Bank India

What interest is getting 7.5% from Deutsche Bank on FDs with a tenure of 5 years. The minimum FD deposit size is Rs 20,000. The new interest rates have been implemented from 19 August 2022.

Indusind bank

According to the official website of the bank, what interest is being given at 6.75% on FDs up to 2 crores. For this, customers will have to invest in FDs with a tenure of up to 5 years.

The post FD Rates: On getting FD in these banks, you will get interest of more than 7% – know details first appeared on Rightsofemployees.com.

Senior citizens can earn the benefit of higher interest on FDs maturing in 7 days to 10 years. Even if there is no desire to invest for a long time, then even two years FD is earning well. There are 5 banks that are giving interest from 7.50 percent to 8.25 percent on FD to senior citizens.

1- Utkarsh Small Finance Bank

Utkarsh Small Finance Bank has changed the FD rate on August 12, 2022. The new rates are applicable for new FD and old FD. This bank runs FDs of 2 years or 730 days for senior citizens and 8.25 percent interest is being given on it. The benefit of 7.50 percent interest is being given to the general public on FD and 8.25% to senior citizens.

2-Jan Small Finance Bank

The new FD rates of Jana Small Finance Bank are applicable from June 15, 2022. The benefit of the new rates is being given on deposits of less than 2 crores. Jana Small Finance Bank is offering interest at the rate of 8.05 percent to senior citizens. 8.05 percent interest is being given to senior citizen customers on FDs maturing in 1 to 2 years.

3-bandhan bank

The FD rate of Bandhan Bank has been changed with effect from August 22, 2022. The benefit of new rates is being given on retail accounts of less than Rs 2 crore. Bandhan Bank is giving 7.50 percent interest to senior citizens on FDs maturing in more than 18 months but less than 2 years. The same rate is also being given on FDs with tenures ranging from 2 years to 3 years and 3 years to more than 5 years.

4-IndusInd Bank

The FD rate of IndusInd Bank is effective from August 12, 2022. 7.50 percent interest is being given to senior citizens on FDs of less than 2 crores and FDs maturing in less than 2 years from 1 year 7 months. The same rate is also being given on FDs from 2 years 6 months to 2 years 9 months, FDs of 2 years 9 months to less than 3 years, FDs of less than 3 years to 61 months, FDs of more than 61 months.

5-Yes Bank

The interest rates for Yes Bank FD are effective from August 10, 2022. A minimum deposit of Rs 10,000 is mandatory to open an FD in Yes Bank, and reinvestment is allowed for a minimum tenure of 6 months and 1 day. Yes Bank has promised an interest rate of 7.50% to senior citizens on FDs maturing in 18 months to less than 3 years.

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Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

The post Post Office FD Rates Increased: Big news! Post Office released new FD rates, check new rates here instantly first appeared on Rightsofemployees.com.

Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

Indian Post Office Department, Ministry of Communications, Government of India offers fixed deposit accounts that offer attractive interest rates with tenors ranging from 1 year to 5 years. Interest is payable annually, with a minimum deposit amount of Rs 1,000 and no maximum limit.

Post Office Fixed Deposit Rates

deposit period Post Office FD Rates (per annum)
1 year 5.50%
2 years 5.50%
3 year 5.50%
5 years 6.70%

Post Office FD Rate Interest rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

5 Year Fixed Deposit Rates for Tax Saving Post Office 

If you open a Fixed Deposit (FD Account) with the Post Office for a period of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

tenure Regular Post Office FD Rates (per annum)
60 months 6.70%

Post Office FD Interest Rates are subject to change as per requirement. These interest rates are effective from 1st April 2020.

Post Office Time Deposit Account 

Post Office Fixed Deposit Account (TD) account, also known as Post Office Fixed Deposit (FD) account can be opened with a minimum of Rs 1,000 in multiples of Rs 100 without any limit .

Key Features of Post Office FD Interest Rates

Highest Post Office TD Interest Rate : 6.70% per annum for 5 years tenure
Range of interest rates: 5.50% p.a. to 6.70% p.a.
Rate of interest for tenure of 1 year: 5.50% p.a.
Rate of interest for tenure of 2 years: 5.50% p.a.
Rate of interest for tenure of 3 years: 5.50% p.a.

Who Can Open a Fixed Deposit Account

Fixed Deposit Account can be opened in India Post:

a single adult
Maximum three adults (in case of joint account)
A minor who is more than 10 years of age
A guardian on behalf of a person who is a minor or a person of unsound mind

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Many big public and private banks have already increased the interest rates on FDs, so that customers will get more interest on their deposits. Let’s know which bank will earn you how much on fixed deposit-

Bank of Baroda special FD

Bank of Baroda recently announced a special fixed deposit scheme – Baroda Tiranga Deposit Scheme. It offers 5.75% p.a. interest for 444 days and 6.00% interest for deposits of 555 days. This scheme will be open till 31st December.

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Explain that since the decision of the Reserve Bank of India to increase the repo rate, banks are continuously increasing their FD rates, Saving Bank Account and RD Rates. Now the name of Bank of Maharashtra and Punjab and Sind Bank has also been included in this list.

RBI increased FD rates thrice for three months Let us tell you that Reserve Bank of India is continuously increasing its repo rate to control inflation in the country. In the months of May and June, the central bank increased the repo rate. At present the repo rate is 5.40%.

Due to the increase in the Repo Rate, customers are getting a higher interest rate on deposits, but at the same time the interest rate on loans is increasing. This is also increasing the EMI burden on the customers. Let us give you information about the latest FD rates of Bank of Maharashtra and Punjab and Sind Bank.

Bank of Maharashtra’s interest rate on FD less than Rs 2 crore-

• 7-30 days- 2.75%
• 31-45 days- 3.00%
• 46-90 days- 3.50%
• 91-119 days- 3.75%
• 120-180 days- 3.90%
• 181-270 days- 4.25%
• 271-364 days – 5.00%
• 1 year – 5.40%
• 1-2 years – 5.40%
• 2-3 years – 5.40%
• 3-5 years – 5.40% Above
• 5 years – 5.40%

Interest rate on FD of less than Rs 2 crore in Punjab and Sindh-

• Up to 7-14 days- 2.80%
• 15-30 days- 2.80%
• 31-45 days- 3.00%
• 46-90 days- 3.80%
• 91-120 days- 3.95%
• 121-150 days- 4.00%
• 151-179 days- 4.00%
• 180-269 days – 4.50%
• 270-364 days – 4.65% up to
• 1-2 years – 5.65%
• 2-3 years – 5.80%
• 3 years to 5 years – 5.75%
• 5 to 10 years – 5.75%

The post FD Rates Increased: Public sector banks released new list of FD rates, Know how much increased first appeared on Rightsofemployees.com.

This FD is of 15 months with a deposit of less than Rs 2 crore. Under this, senior citizens will get interest up to 7.50 percent. On the other hand, super senior citizens will get an interest of up to 7.75 percent. However, the interest rates of super senior citizens or senior citizens are not applicable to non-resident fixed deposits.

Take advantage of these services

If senior or super senior citizens want to invest in this FD, they can do so through RBL Bank website, RBL mobile bank app, online banking, contact center or even through doorstep banking service.

Bank offering FD up to 240 months

Currently, FD is offering from 7 to 14 days to 240 months. In this, the common citizen is getting interest ranging from 3.25 percent to a maximum of seven percent. However, an additional 0.50 percent interest is also paid to senior citizens and an additional 0.75 percent to very senior citizens.

NRE / NRO will not get this facility

The bank has written in the information given on its website that an additional 0.50 percent interest will be given to senior citizens (people between 60 years to less than 80 years) and an additional 0.75 percent interest will also be given to very senior citizens. RBL The bank has written that this rate will not be applicable to Non Resident Fixed Deposit (NRE/NRO) accounts.

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These are said to have high returns, but they carry high risk. In such a situation, instead of investing in them, now they are preferring to invest in bank FDs. Recently RBI has decided to increase the repo rate. Since then, all government and private sector banks are continuously increasing the interest rate on their savings accounts and fixed deposit accounts.

Many big banks of the country like State Bank of India, Punjab National Bank, HDFC Bank, ICICI Bank etc. have decided to increase their FD interest rates. have taken. So let us tell you about the interest rates from Rs 2 crore to the customers by PNB, SBI, HDFC Bank-

PNB FD interest rate 

7 days to 14 days – 3.00 percent
from 15 days to 29 days – 3.00 percent
from 30 days to 45 days – 3.00 percent
from 46 days to 90 days – 3.25 percent
from 91 days to 179 days – 4.00 percent
from 180 days to 270 days Till – 4.50 per cent
271 days to less than
1 year –4.50 per cent 1 year-5.30 per cent
1 to 2 years-5.30 per cent
2 to 3 years-5.50 per cent
3 to 5 years-5.50 per cent
5 to 10 years-5.60 per cent

SBI FD interest rate

7 days to 45 days – 2.90 per cent  
from 46 days to 179 days – 3.90 per cent
from 180 days to 210 days – 4.40 per cent
from 211 days to 1 year – 4.60 per cent
from 1 year to less than 2 years – 5.30 per cent
from 2 years to 3 Less than years – 5.35 per cent
3 years to less than 5 years – 5.45 per cent
5 years to 10 years – 5.50 per cent

HDFC Bank FD interest rate

7 days to 14 days – 2.75 per cent
from 15 days to 29 days – 2.75 per cent
from 30 days to 45 days – 3.25 per cent
from 46 days to 60 days – 3.25 per cent
from 61 days to 90 days – 3.25 per cent
from 91 days to 6 months Till – 3.75 per cent
6 months 1 day to 9 months – 4.65 per cent
9 months 1 day to 9 months – 4.65 per cent
1 year to 5.35 per cent
1 year 1 day to 2 years – 5.35 per cent
2 years 1 day to 3 years – 5.50 per cent
3 years 1 day to 5 years – 5.70 per cent
5 years 1 day to 10 years – 5.75 per cent

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Benefits of Post Office FD

Investing in Post Office FD gives you many benefits. The most important thing is that in this you will get government guarantee along with returns. Here you get the facility of interest on quarterly basis. Investing in an FD at the post office is very easy. You can get FD done in the post office for different tenures including 1, 2, 3 or 5 years.

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In the monetary policy meeting of the Reserve Bank of India (RBI) last week, it has been decided to increase the repo rate by 50 basis points. After which the bank says that we have taken the decision to change the FD rates after increasing the repo rate.After the decision of RBI to increase the repo rate, many banks have changed the rates of their bank loans, savings accounts and fixed deposits.

ICICI Bank’s new interest rates

On FDs from 2 crore to 5 crore for 7 days to 29 days, the bank will now give an interest of 3.25 percent and on the deposit maturity of 30 to 45 days, the bank will give an interest of 3.35%.ICICI Bank will now offer an interest of 3.65 per cent on deposits maturing in 46 days to 60 days and 4.50 per cent on deposits maturing in between 61 and 90 days.

ICICI Bank ICICI Bank will now pay an interest of 5 percent on deposits maturing in 91 to 184 days and 5.25 percent on fixed maturities of 185 to 270 days.The bank will now offer an interest of 5.50 per cent on deposits maturing in from 271 days to less than 1 year.On the other hand, ICICI Bank will give the highest interest of 5.75 percent on deposits maturing in 1 year to 10 years.

Due to the increase in the repo rate, many banks took the decision to change the interest rates

Many banks have changed the rates of their bank loans and fixed deposits. Recently, Canara Bank has reduced the interest rates on FDs below 2 crores, as well as Bandhan Bank has also changed the interest rates for its savings accounts. The new interest rate of Canara Bank will be applicable from August 8.

After this change, Canara Bank has introduced a new deposit maturity term of 666 days for which the bank will pay the highest interest of 6 percent. The same Bandhan Bank has increased the interest rates on daily savings accounts from 5 percent to 6 percent from 1,000,000 to 100000.

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