The post FD Rate Update: Banks That Have Revised Fixed Deposit Interest Rates in 2026 first appeared on Rightsofemployees.com.

Fixed deposit is called time deposit in post office. But, do you know how much interest is given in post office time deposit and SBI FD and where is the interest higher.

Since people across the country like to invest money in State Bank of India and Post Office schemes and FDs, it is important for you to know which of these two gives higher interest on FD and in how many years the money doubles.

What is the interest rate on SBI FD?

India’s largest public sector bank, State Bank of India, offers interest on FDs based on the deposit tenure. SBI offers interest in the range of 6.25% to 6.30% for FDs with tenures of 1 to 5 years.

– The interest rate on FDs with tenors of one year and less than 2 years is 6.25%.

– The interest rate on FDs with tenors of two years and less than three years is 6.45%.

– The interest rate on FDs with tenures of three years and less than 5 years is 6.30%.

Interest rates in Post Office Time Deposits

The interest rate in Post Office Time Deposits is higher than SBI.

– The interest rate on post office time deposit for one year is 6.9%.

– The interest rate on Post Office Time Deposit for 2 years is 7.0%.

– The interest rate on Post Office Time Deposit for 3 years is 7.1%.

– The interest rate on Post Office Time Deposit for 5 years is 7.5%.

Where money doubles quickly

If the interest on SBI FD and Post Office Time Deposit is calculated as per Rule 72, then money doubles quickly in Post Office Time Deposit. Because, Post Office gives 7.50% interest on a period of 5 years, so the money doubles in 9.5 years.

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These banks are offering the highest interest rates

1. North-East Small Finance Bank

It is offering an interest rate of 9.00% on FDs of 1 year to 3 years, making it the most attractive short-term investment.

2. Suryodaya Small Finance Bank

This bank is offering an interest rate of 9.10% on 5-year FD, which makes it a good option for long-term investors.

3. Unity Small Finance Bank

It is giving 9.50% interest on 1001 days FD and 8.65% on 3 years FD. This bank is giving high returns.

4. Jan Small Finance Bank

It is offering 8.75% interest on FDs of 1 year to 3 years, which makes it a profitable opportunity for short and medium term investors.

5. Equitas Small Finance Bank

It is offering 8.60% interest on 1 year FD and 8.50% interest on 3 year FD, which is the best option to get safe and good returns.

6. Ujivan Small Finance Bank

It is offering 8.60% interest on 18-month FDs, which is an attractive option for medium-term investors. Small finance banks such as Northeast (9.00%), Suryoday (9.10%), and Unity Bank (9.50%) are offering higher returns on FDs than larger banks. Senior citizens who want higher interest while keeping their savings safe can invest in FDs of these banks.

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The post Highest FD Rates: THESE 6 Banks are giving more than 9% interest on FD, check Interest Rates first appeared on Rightsofemployees.com.

IndusInd Bank has changed the interest rates on fixed deposits (FDs) of less than Rs 3 crore. Now the maximum interest rate for general citizens will be 7.75% and for senior citizens it will be 8.25%. This rate will be applicable on FDs with a period of 1 year 5 months to less than 1 year 6 months.

Indusind Bank reduced interest on this FD

The bank is now offering interest rates ranging from 3.50% to 7.75% to general customers and 4% to 8.25% to senior citizens. Earlier, for the same period, general citizens used to get 7.99% and senior citizens up to 8.49% interest. These new rates of the bank have come into effect from 24 February 2025. IndusInd Bank has reduced FD rates after RBI reduced the repo rate.

IndusInd Bank has revised the interest rate on FD

IndusInd Bank has made this revision on FDs of less than Rs 3 crore. The bank is giving interest ranging from 3.50 percent to a maximum of 7.75 percent to general customers. The bank is offering a maximum interest of 7.99 percent to general customers. The bank is giving an extra interest of 0.50 percent to senior citizens as compared to general customers. The bank is giving a maximum interest of 8.49 percent to senior citizens. These new interest rates on FDs have been implemented from November 26, 2024.

Fixed Deposit Rate on IndusInd Bank

• Interest on FDs maturing in 7 to 30 days – 3.50%
• Interest on FDs maturing in 31 to 45 days – 3.75%
• Interest on FDs maturing in 46 to 60 days – 4.75%
• Interest on FDs maturing in 61 to 90 days – 4.75%
• Interest on FDs maturing in 91 to 120 days – 4.75%
• Interest on FDs maturing in 121 to 180 days – 5%
• Interest on FDs maturing in 181 to 210 days – 5.85%
• Interest on FDs maturing in 211 to 269 days – 6.10%
• Interest on FDs maturing in 270 to 354 days – 6.35%
• Interest on FDs maturing in 355 to 364 days – 6.50%
• Interest on FDs maturing in 1 year to 1 year 3 months – 7.75%
• Interest on FDs maturing in 1 year 3 months to 1 year 4 months – 7.75%
• Interest on FDs maturing in 1 year 4 months to 1 year 5 months – 7.75%
• Interest on FDs maturing in 1 year 5 months to 1 year 6 months – 7.75%
• Interest on FDs maturing in 1 year to 6 months to 2 years – 7.75%
• Interest on FDs maturing in 1 year to 6 months to 2 years – 7.75%
• Interest on FDs from 2 years to 3 years to 2 years 6 months – 7.25%
• Interest on FDs from 2 years 6 months to 2 years 7 months – 7.25%
• 2 years 7 months to 3 years 3 months – 7.25 percent
• 3 years 3 months to 61 months – 7.25%
• 61 months and above – 7 per cent
• Interest rate on tax saving FDs of 5 years – 7.25%

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The post Bank FD Rates Cut: This bank cuts fixed deposit interest rates, Check Details first appeared on Rightsofemployees.com.

Many banks are offering attractive interest rates on Fixed Deposits. The interest on FDs also depends on the tenure of the FD. Here we are telling you about some such banks which are offering attractive interest on FDs.

FD rates of small finance banks: Small finance banks are similar to other commercial banks, but their business activities are limited compared to them.

Northeast Small Finance Bank : 9.00% interest rate for a period of 546 days to 1111 days.
Unity Small Finance Bank : 9.00% interest rate for a period of 1001 days.
Suryoday Small Finance Bank : 8.60% interest rate for FDs of 2 to 3 years.
Jana Small Finance Bank: 8.25% interest rate for FDs of 1 to 3 years.
Utkarsh Small Finance Bank : 8.50% interest rate for 2 to 3 years.
Equitas Small Finance Bank: 8.25% interest rate for 888 days.

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Keeping the interests of the people in mind, government and private banks also keep launching attractive FD schemes. Now Punjab National Bank has also launched two new fixed deposits. Up to Rs 3 crore can be invested in these 303-day and 506-day fixed deposits.

Investors depositing money in the new FD of Punjab National Bank with a tenure of 303 days will get 7 percent interest. Similarly, the interest rate for the tenure of 506 days is 6.7 percent. These new interest rates have come into effect from January 1, 2025. Senior citizens and super senior citizens will get more interest by investing money in both these FDs. Senior citizens will be given 7.5 percent interest on the FD with a tenure of 303 days and 7.2 percent interest on the FD with a tenure of 506 days. Punjab National Bank is giving 7.85 percent interest on the FD with a tenure of 300 days and 7.5 percent interest on the FD with a tenure of 506 days to super senior citizens.

Interest for general customers from 3.50% to 7.25%

Punjab National Bank FD for general citizens from 7 days to 10 years. The bank’s interest rate is from 3.50% to 7.25%. The highest interest rate is 7.25%, which is available on FD with a tenure of 400 days. For senior citizens, PNB is offering 4% to 7.75% interest on FD for 7 days to 10 years. The highest interest of 7.75% is available on FD with a tenure of 400 days.

For super senior citizens (80 years and above), Punjab National Bank is offering interest ranging from 4.30% to 8.05% on FDs for 7 days to 10 years. Currently, the bank is offering 8.05% interest on a tenure of 400 days.

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These changes have been made on FDs of different periods. Public and private sector banks like SBI, HDFC Bank, ICICI Bank and Punjab National Bank (PNB) are offering many new FD schemes.

State Bank of India (SBI):

State Bank of India (SBI) has launched a new special FD scheme called ‘Amrit Vrishti’. Under this scheme, general customers can avail 7.25% interest rate for a period of 444 days, while for senior citizens the rate is 7.75%. This scheme is available for investment from 15 July 2024 to 31 March 2025. SBI FD rates on other periods including 7 days to 10 year FDs range from 3.50% to 7.00%.

Also Read: Weather Forecast: IMD has issued an alert regarding heavy rain in these districts for the next two days

HDFC bank:

HDFC Bank is offering interest rates ranging from 3% to 7.4% for FDs of 7 days to 10 years. The maximum interest rate for general customers is 7.4%, while senior citizens are offering an interest rate of 7.90% for FDs of 4 years 7 months to 55 months. These revised rates are applicable from July 24, 2024.

ICICI Bank:

ICICI Bank is offering FD rates ranging from 3% to 7.20% for FDs of 7 days to 10 years. These rates are applicable from July 30, 2024.

Punjab National Bank (PNB):

Punjab National Bank (PNB) is offering a maximum interest rate of 7.25% for 400 days FD from August 1, 2024. For 300 days FD, the rate is 7.05%. For one and two year term FDs, the interest rate is 6.80%. For three-year FDs, the interest rate is 7.00% and for four and five-year FDs, the interest rate is 6.50%.

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Shivalik Small Finance Bank
Shivalik Small Finance Bank is offering interest between 3.50% to 8.70% for general citizens. The interest rate for senior citizens ranges between 4% to 9.20%. The maximum interest rate on FD of 24 months 1 day to 36 months is 8.70%. The maximum interest rate for senior citizens is 9.20%. These rates are applicable from March 2, 2024.

Suryoday Small Finance Bank
Suryoday Small Finance Bank is offering interest between 4% to 9.01% for general citizens. Interest rates for senior citizens range between 4.40% to 9.25%. For senior citizens, it is offering a maximum interest rate of 9.01% and 9.25% for a period of 2 years 1 month (25 months). These rates are applicable from March 1, 2024.

North East Small Finance Bank
The bank said it is offering 7.75 percent interest on FDs of 366-1,095 days and 8.5 percent interest to senior citizens. This interest is available on FD up to Rs 5 crore. The bank is offering interest rates of 8.4 percent and 9.15 percent to regular and senior citizens respectively on deposits for a period of 400 days. For FDs up to Rs 5 crore and tenures of 555-1,111 days, the bank is offering interest rates of 8.50 percent to regular customers and 9.25 percent to senior citizens.

Ujjivan Small Finance Bank
Ujjivan Small Finance Bank is offering interest between 3.75% to 8.50% for general citizens. The maximum interest rate for 15 month FD is 8.50%. The maximum interest rate for senior citizens on the same tenure is 9%. These rates have come into effect from March 7, 2024.

PF Transfer New Rules: Now balance will be transferred automatically from EPFO account, detail here

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Fixed Deposit Interest Rates: In such a situation, there are many small finance banks in the country where customers are getting up to 9.50 percent interest rate on fixed deposit schemes. The customers of these banks also get an insurance cover of Rs 5 lakh through DICGC on deposits.

Unity Small Finance Bank is offering its customers an interest rate of 4.50% to 9% on FDs ranging from 7 days to 10 years. On the other hand, senior citizens are getting interest rates ranging from 4.50 per cent to 9.50 per cent.

Suryoday Small Finance Bank is offering interest rates ranging from 4.00 percent to 8.51 percent on FDs ranging from 7 days to 10 years to general customers. At the same time, the bank is offering interest ranging from 4.5 percent to 8.76 percent to senior citizens in this tenure.

Utkarsh Small Finance Bank is offering 4 per cent to 8.25 per cent interest rate for fixed deposits ranging from 7 days to 10 years to general customers. At the same time, interest rates ranging from 4 percent to 9 percent are being offered to senior citizens.

Jan Small Finance Bank is offering 3.75 per cent to 8.15 per cent interest rate to customers on FDs ranging from 7 days to 10 years, while Senior Citizen Bank is offering customers interest rates ranging from 3.75 per cent to 8.75 per cent.

Fincare Small Finance Bank is offering interest rates ranging from 3% to 8.11% to its general citizens. At the same time, the bank is offering interest rates ranging from 3 percent to 8.11 percent to senior citizens.

Ujjivan Small Finance Bank is offering 3.75 percent to 8.25 percent interest rate on FDs ranging from 7 days to 10 years to general citizens and senior citizens.

ESAF Small Finance Bank is offering interest rates ranging from 4% to 8.50% to its general customers. At the same time, senior citizens are being offered interest rates ranging from 4.50 percent to 9 percent on FDs ranging from 7 days to 10 years.

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If you want to earn good returns while keeping your money safe, then you can invest in FD. Axis Bank of the private sector has now increased the interest on FDs.

Axis Bank has increased the interest on FDs of less than Rs 2 crore. The bank has taken this decision after the RBI increased the repo rate by 0.25 percent to 6.50 percent.

The increased interest rates on Axis Bank’s FD have come into effect from February 11, 2023 itself. The bank has increased the interest rate on FDs ranging from 7 days to 10 years.

Where the common people are getting interest ranging from 3.5 percent to 7 percent on FDs of different periods. On the other hand, this rate is available from 6 percent to 7.75 percent for senior citizens.

Axis Bank’s 2-year FD is getting the highest interest. It is 8.01 percent for senior citizens and 7.26 percent for the rest.

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Many banks and financial institutions are offering interest rates above 7%. If the inflation rate has increased to 7.4 percent in September, then the offer of interest rate of 7 percent or more is going to be very attractive.

DCB Bank is offering an interest rate of 7.5 percent on a three-year FD. At the same time, 7.5 percent interest is being given annually by AU Small Finance Bank on FDs maturing in three years.

Apart from this, Bandhan Bank, Citi Union Bank and Karur Vysya Bank are offering 7 percent interest rate to customers on three-year deposits. The new interest rate has been announced by most of the banks after increasing the repo rate by RBI.

Gaurav Aggarwal, Senior Director of Paisabazaar, says that the increase in the interest rate on fixed deposits is for a short time. In such a situation, if you can invest then this is a good time. Let us tell you that after the increase in the repo rate by the RBI, the banks have increased the interest rate.

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PNB tweeted

PNB has given information about this on its official tweet. PNB has written in the tweet that when you get good interest on investment, the savings will automatically increase. PNB has brought a special scheme of 600 days to the customers.

When interest rates are so high then saving will automatically fly!#InterestRates #FixedDeposit #Saving #Expectation pic.twitter.com/cjgYFujUlK

— Punjab National Bank (@pnbindia) November 11, 2022

will get big interest

PNB’s 600-day scheme offers the benefit of interest at the rate of 7.85 per cent. To take advantage of this scheme, you can apply through PNB One app. Apart from this, you can also take advantage of this by visiting the branch of the bank.

What is the specialty of the scheme

• This special scheme from the bank has started from 19 October 2022.
• This scheme is for senior citizens (60-80 years).
• Apart from this, very senior citizens (80 years and above) can also take advantage of this.
• Under this, a lump sum amount of less than two crore rupees can be deposited.

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Along with this, the bank has also increased the interest available on FDs of more than 2 crores. According to the information released by the bank, interest is being paid at the rate of 7.75% per annum on callable FDs and 7.85% on non-callable deposits. According to the information released by the bank by November 1, the interest rates available in different periods in the bank are as follows.

According to the new list released by the bank

1. On FDs of 7 to 14 days, interest is being given to the general person at 4.50% per annum, while the senior citizen is being given interest at the rate of 4.50% per annum for this period.
2. On FD of 15 to 45 days, interest is being given to the general person at 4.75% per annum, while the senior citizen is being given interest at the rate of 4.75% per annum for this period.
3. On FDs of 46 to 60 days, interest is being given to the general person at 5.25% per annum, while the senior citizen is being given interest at the rate of 5.75% per annum for this period.
4. On FD of 61 to 90 days, interest is being given to the general person at 5.50% per annum, while the senior citizen is being given interest at the rate of 6.00% per annum for this period.
5. On FD of 91 to 180 days, interest is being given to the general person at 5.75% per annum, while the senior citizen is being given interest at the rate of 6.25% per annum for this period.
6. On FDs of 181 to 364 days, interest is being given to the general person at 6.75% per annum, while the senior citizen is being given interest at the rate of 7.25% per annum for this period.
7. 365 i.e. 1 year FD is being given interest at the rate of 7.35% per annum to the common person, while 7.85% per annum to the senior citizen for this period.
8. On FD of 1 year and 1 day, interest is being given to the general person at 7.80% per annum, while the senior citizen is being given interest at the rate of 8.30% per annum for this period.
9. On FD of 1 year and 1 day to 500 days, interest is being given to the general person at 7.35% per annum, while the senior citizen is being given interest at the rate of 7.85% per annum for this period.
10. On FD of 500 days, interest is being given to the general person at 7.35% per annum, while the senior citizen is being given interest at the rate of 7.85% per annum for this period.
11. On FD of 502 days to 18 months, interest is being given to the general person at 7.35% per annum, while the senior citizen is being given interest at the rate of 7.85% per annum for this period.
12. On FDs of 18 months to 2 years, interest is being given to the general person at 7.40% per annum, while the senior citizen is being given interest at the rate of 7.90% per annum for this period.
13. On FDs of 2 years to 3 years, interest is being given to the general person at the rate of 7.65% per annum, while the senior citizen is being given interest at the rate of 8.15% per annum for this period.
14. On FDs of 3 years to 5 years, interest is being given to the general person at the rate of 7.65% per annum, while the senior citizen is being given interest at the rate of 8.15% per annum for this period.
15. On FDs of 5 years to 10 years, interest is being given to the general person at 7.00% per annum, while the senior citizen is being given interest at the rate of 7.50% per annum for this period.

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According to the information given on the official website of the bank, the new interest rates will be effective from September 23, 2022. Following this change, IndusInd Bank is now offering interest rates ranging from 4.00% to 6.65% on non-callable FDs maturing in 7 days to 61 months or more.

Here are the new rates of interest on FDs

IndusInd Bank is offering a maximum interest rate of 6.65% while increasing the interest rates on non-callable FDs. Looking at the new rates, the bank is now promising an interest rate of 4.00% on non-callable FDs maturing in 7 days to 14 days, 4.10% for FDs of 15 days to 30 days. As per the new rates, IndusInd Bank now offers 4.35% on FDs maturing in 31 days to 45 days, 4.45% for 46 days to 60 days, 4.65% from 61 days to 90 days, maturing in 91 days to 120 days. Offering an interest rate of 5.15% on FD.

6.65% interest rate on FD is maximum

similarly, bank now 5.25% on FDs maturing in 121 days to 180 days, 5.40% on 181 days to 210 days, 269 on 211 days, 5.55%, 270 days to 354 now Interest rate of 5.90% will be available. IndusInd Bank will now pay 6.15% on FDs maturing in 355 days to 364 days, 6.40% on FDs maturing in 6 months, and 6.65% on deposits for a period of 61 months and above.

What is Non-callable FD

IndusInd Bank has stated on its website that a non-callable FD is an FD from which withdrawal is not allowed before the expiry of the term of the FD. Under this, premature withdrawal is not allowed for an amount exceeding Rs 1 crore. The bank offers non-callable FDs only for non-individuals.

The bank has also said on its website that senior citizens (aged 60 years and above) will get 0.75 percent additional interest from the general public on FDs of less than Rs 2 crore. If senior citizens choose to keep deposits of value more than or equal to Rs 2 crore, then they will not get the benefit of additional interest.

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