Fixed Deposit Interest Rates India 2025 - Complete Comparison

Fixed Deposits remain one of India's safest investment options with guaranteed returns.

Bank	1 Year	2 Years	3 Years	5 Years	Senior (5Y)

SBI	6.80%	7.00%	6.75%	6.50%	7.50%
HDFC Bank	6.60%	7.10%	7.00%	7.00%	7.75%
ICICI Bank	6.70%	7.10%	7.00%	6.90%	7.65%
PNB	6.80%	7.00%	6.50%	6.50%	7.30%
Axis Bank	6.70%	7.10%	7.00%	7.00%	7.75%
Bank of Baroda	6.85%	7.05%	6.80%	6.50%	7.55%
Kotak Mahindra	6.70%	7.15%	7.10%	6.90%	7.65%

Bank	1 Year	3 Years	5 Years

AU Small Finance	7.50%	7.50%	7.25%
Ujjivan SFB	7.60%	7.55%	7.30%
Equitas SFB	7.50%	7.60%	7.25%

Extra interest: 0.25% to 0.75% higher

Higher TDS threshold: ₹50,000 vs ₹40,000

FD interest is fully taxable per your income tax slab

10% TDS if annual interest exceeds ₹40,000 (₹50,000 for seniors)

20% TDS without PAN

Submit Form 15G/15H if below taxable limit

5-year tax-saver FD: Section 80C deduction up to ₹1.5 lakh

Factor	FD	PPF	SIP (Equity)	Debt MF

Returns	6-7%	7.1%	12-15%	6-8%
Risk	Very Low	Very Low	Medium-High	Low
Liquidity	Medium	Low	High	High
Tax benefit	5yr FD (80C)	80C + EEE	ELSS (80C)	No

Ladder your FDs across multiple tenures

Compare rates - Small finance banks offer higher rates

Use cumulative option for maximum compounding

Don't break FD early - penalty of 0.5-1%

Use the EasyCalcFor.me FD calculator to compute your maturity amount.

Fixed Deposit Interest Rates India 2025 - Compare FD Rates Across Banks