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FD Interest Rates of All Banks

Last Updated 22nd Jun 2017

Fixed Deposit Interest Rates

  • FD interest rates offered by banks vary by FD tenure and from time to time.
  • While banks offer FD rates based upon market liquidity and RBI policy, the rates are not the same across all banks.
  • Even among PSU banks, rates tend to vary and hence it is advisable to check all FD rates before booking an FD.
  • Banks also offer special schemes from time to time, which typically offer higher rates for select maturities.
  • For high value deposits (typically more than Rs. 1 cr or Rs. 5 cr), banks may offer different rates on daily basis. The difference between card rates and high value rates is typically upto 0.5%.
FD Maturity Calculator
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Compare FD Interest Rates in India Jun 2017

Bank Generate Rates Senior Citizen Rates
SBI 5.50% - 6.90% 6.00% - 7.40% Explore More Calculator
HDFC Bank 3.50% - 6.95% 4.00% - 7.45% Explore More Calculator
ICICI Bank 4.00% - 6.90% 4.50% - 7.40% Explore More Calculator
Axis Bank 3.50% - 7.00% 3.50% - 7.50% Explore More Calculator
Kotak Bank 3.50% - 7.05% 4.00% - 7.55% Explore More Calculator
IDFC Bank 4.00% - 7.50% 4.50% - 8.00% Explore More Calculator
Bank of Baroda 4.50% - 6.90% 4.50% - 7.40% Explore More Calculator
Corporation Bank 5.00% - 6.60% 5.50% - 7.10% Explore More Calculator
IDBI Bank 4.25% - 6.40% 4.25% - 7.10% Explore More Calculator
Indian Bank 4.00% - 6.50% 4.50% - 7.00% Explore More Calculator
Indian Overseas Bank 4.00% - 6.75% 4.50% - 7.25% Explore More Calculator
OBC 4.00% - 6.85% - Explore More Calculator
PNB 4.25% - 6.90% 4.75% - 7.40% Explore More Calculator
SBBJ 5.50% - 6.90% 6.00% - 7.40% Explore More Calculator
Syndicate Bank 4.75% - 6.80% 5.25% - 7.30% Explore More Calculator
Allahabad Bank 4.00% - 6.75% - Explore More Calculator
Andhra Bank 4.00% - 6.85% 4.50% - 7.35% Explore More Calculator
Bank of India 4.00% - 6.80% 4.00% - 7.30% Explore More Calculator
Bank of Maharashtra 4.25% - 6.50% 4.25% - 7.00% Explore More Calculator
Canara Bank 4.20% - 6.90% 4.70% - 7.40% Explore More Calculator
Central Bank of India 4.75% - 6.60% 5.25% - 7.00% Explore More Calculator
Dena Bank 4.50% - 7.00% 5.00% - 7.50% Explore More Calculator
Punjab and Sind Bank 4.00% - 7.00% 4.00% - 7.50% Explore More Calculator
State Bank of Hyderabad 5.50% - 6.90% 6.00% - 7.40% Explore More Calculator
State Bank of Mysore 5.50% - 6.90% 6.00% - 7.40% Explore More Calculator
State Bank of Patiala 5.50% - 6.90% 6.00% - 7.40% Explore More Calculator
State Bank of Travancore 5.50% - 7.00% 6.00% - 7.50% Explore More Calculator
UCO Bank 4.50% - 6.75% - Explore More Calculator
Union Bank of India 5.00% - 7.00% 5.50% - 7.50% Explore More Calculator
Vijaya Bank 4.00% - 6.50% 4.50% - 7.00% Explore More Calculator
United Bank of India 4.00% - 6.25% 4.00% - 6.75% Explore More Calculator
Jammu And Kashmir Bank 5.00% - 6.75% 5.50% - 7.25% Explore More Calculator
DHFL 7.75% - 8.00% 8.25% - 8.50% Explore More Calculator
Akola Janata Commercial Cooperative Bank 4.00% - 7.50% 4.00% - 8.00% Explore More Calculator
Lakshmi Vilas Bank 4.50% - 7.00% 4.50% - 7.50% Explore More Calculator
Deutsche Bank 4.00% - 8.00% 4.00% - 8.25% Explore More Calculator
Citibank 3.00% - 5.75% 3.50% - 6.25% Explore More Calculator
HSBC Bank 3.15% - 6.50% 3.65% - 7.00% Explore More Calculator
Jalgaon Janata Sahakari Bank Ltd 5.00% - 7.50% 5.00% - 7.75% Explore More Calculator
South Indian Bank 4.00% - 6.75% 4.50% - 7.25% Explore More Calculator
Development Credit Bank 4.00% - 7.25% 4.50% - 7.75% Explore More Calculator
LIC Housing Finance 7.30% - 7.50% 7.55% - 7.75% Explore More Calculator
Almora Urban Cooperative Bank 4.00% - 7.65% 4.50% - 8.15% Explore More Calculator
Karur Vysya Bank 5.00% - 7.00% 5.00% - 7.50% Explore More Calculator
Yes Bank 5.75% - 7.15% 6.25% - 7.65% Explore More Calculator
Janaseva Sahakari Bank Borivli 4.00% - 8.50% 4.00% - 9.00% Explore More Calculator
DBS Bank 4.00% - 6.70% 4.00% - 6.70% Explore More Calculator
Abhyudaya Cooperative Bank 6.00% - 7.50% 6.00% - 7.75% Explore More Calculator
RBL Bank 5.00% - 7.65% 5.50% - 8.15% Explore More Calculator
Dhan Laxmi Bank 4.00% - 6.75% 4.00% - 7.25% Explore More Calculator
HDFC 7.40% - 7.40% 7.65% - 7.65% Explore More Calculator
Catholic Syrian Bank 3.50% - 6.75% - Explore More Calculator
Kapol Cooperative Bank LTD 5.00% - 8.00% 5.00% - 8.25% Explore More Calculator
City Union Bank 6.25% - 7.10% 6.25% - 7.50% Explore More Calculator
Janakalyan Sahakari Bank Ltd 4.25% - 8.00% 4.25% - 8.25% Explore More Calculator
PNB Housing Finance 7.25% - 7.25% 7.50% - 7.50% Explore More Calculator
Ahmedabad Mercantile Cooperative Bank 4.50% - 7.25% 5.00% - 7.75% Explore More Calculator
Nainital Bank 4.00% - 7.90% 4.50% - 8.40% Explore More Calculator
Tamilnad Mercantile Bank 5.00% - 7.00% 5.00% - 7.50% Explore More Calculator
Karnataka Bank 3.50% - 7.10% 4.00% - 7.60% Explore More Calculator
Standard Chartered Bank 4.25% - 7.00% 5.25% - 7.50% Explore More Calculator
Federal Bank 3.50% - 6.80% 4.00% - 7.30% Explore More Calculator
Bandhan Bank 3.50% - 7.25% 4.00% - 7.75% Explore More Calculator
Kalyan Janata Sahakari Bank 4.50% - 8.25% 4.75% - 8.75% Explore More Calculator
IndusInd Bank 4.00% - 7.15% 4.50% - 7.65% Explore More Calculator

Fixed Deposit Interest Rates for Senior Citizens

Interest offered on senior citizen FDs is slightly higher than normal FDs. Senior citizens are required to submit their age proof to avail the benefits of senior citizen FDs.

FD Senior Citizens – Features

  • Age of senior citizen should be 60 or more on the date of investment.
  • Tenure lies between 7 days to 10 years in most of the banks.
  • Generally Senior citizens get extra interest between 0.25 percent to 0.75 percent as compared to regular deposits.
  • Loans can also be taken against senior citizen FD.
  • Penalties are charged in case of premature withdrawal of FD.

Income tax deductions on Senior Citizens FD

  • Interest on fixed deposits for Senior Citizens is liable for the tax deductions under tax laws. If your interest accrued exceeds Rs. 10,000 in a financial year, tax will be deducted at source (TDS) at the rate of 10.30 percent.
  • If you have submitted form 15H with the bank, your TDS will not be deducted.
  • While filing ITR, senior citizens are required to add interest income along with other incomes. Tax is to be paid as per applicable slabs at the time of filing income tax return.
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