Dec-end fixed deposit rates at 4-8%: Check best offers across banks

Best FD Rates December 2025: Small finance banks offer the most competitive returns as 2025 draws to a close, with select five-year fixed deposits reaching the 8% mark

Fixed deposits (FDs) are the preferred savings option for Indian households seeking predictable returns amid uncertain market conditions. While the Reserve Bank of India has largely held policy rates steady through the year, banks have been selective in offering higher FD rates, particularly for specific tenures and brackets.

 

Small finance banks’ FD rates

Small finance banks offer the best FD rates, especially for longer tenures, according to data provided by Paisabazaar.com. Several of them are offering rates close to, or even touching, the 8 per cent mark for select maturities.

 

-Jana Small Finance Bank and Suryoday Small Finance Bank are offering up to 8 per cent per annum on five-year deposits.

 

-Slice Small Finance Bank offers up to 7.75 per cent for a narrow tenure band of around 18 months.

 

-Equitas, Ujjivan and Utkarsh Small Finance Banks are largely offering rates in the 7–7.5 per cent range for one- to three-year tenures.

 

These higher rates reflect the need of smaller banks to attract deposits aggressively. However, depositors should ensure their total exposure remains within the ₹5 lakh deposit insurance limit provided by the Deposit Insurance and Credit Guarantee Corporation. 

 

Private banks’ FD rates

Private banks are offering comparatively lower rates but with wider tenure flexibility and stronger balance sheets.

 

Most large private banks are offering between 6.25 per cent and 7 per cent for one- to five-year FDs. For instance:

 

-ICICI Bank and Axis Bank are offering up to around 6.6–6.45 per cent for longer tenures.

 

-IDFC First Bank, RBL Bank and YES Bank are at the higher end, offering close to 7 per cent for select maturities.

Public-sector banks’ FD rates

Public sector banks continue to follow a cautious pricing strategy. According to Paisabazaar.com:

 

Most state-owned banks are offering FD rates in the 6–6.5 per cent range for one- to five-year tenures.

 

-State Bank of India’s special 444-day ‘Amrit Vrishti’ scheme offers up to 6.45 per cent.

 

These rates may appeal to risk-averse savers who prioritise safety over returns.   

Latest FD rates in December end 

Bank Fixed Deposit Rates
Bank Name	Interest Rates (p.a.)
	Highest slab		1-year	3-year	5-year
	%	Tenure
SMALL FINANCE BANKS
AU Small Finance Bank	7.10	2 years 1 day to 3 years	6.35	7.10	6.75
Equitas Small Finance Bank	7.30	888 days	7.00	7.00	7.00
ESAF Small Finance Bank	7.60	444 days	4.75	6.00	5.75
Jana Small Finance Bank	8.00	5 years	7.00	7.50	8.00
Shivalik Small Finance Bank	7.30	18 months to 24 months	6.00	7.00	6.50
slice Small Finance Bank	7.75	18 months 1 day to 18 months 2 days	6.25	7.50	7.00
Suryoday Small Finance Bank	8.00	5 years	7.25	7.25	8.00
Ujjivan Small Finance Bank	7.45	2 years	7.25	7.20	7.20
Utkarsh Small Finance Bank	7.50	2 years to 3 years	6.00	7.50	7.00
PRIVATE SECTOR BANKS
Axis Bank	6.45	15 months to 10 years	6.25	6.45	6.45
Bandhan Bank	7.20	2 years to less than 3 years	7.00	7.00	5.85
City Union Bank	6.75	500 days	6.50	6.50	6.25
CSB Bank	7.00	13 months	5.00	5.75	5.75
DBS Bank	6.60	376 days to 600 days	6.30	6.40	6.25
DCB Bank	7.15	Above 60 months to 61 months	6.90	7.00	7.00
Federal Bank	6.75	36 months	6.25	6.75	6.50
HDFC Bank	6.45	18 months to 3 years	6.25	6.45	6.40
ICICI Bank	6.60	2 years 1 day to 10 years	6.25	6.60	6.60
IDFC FIRST Bank	7.00	450 days to 5 years	6.30	7.00	7.00
IndusInd Bank	7.00	1 year 6 months to less than 1 year 7 months	6.75	6.90	6.65
Jammu & Kashmir Bank	7.00	888 days	6.50	6.65	6.60
Karur Vysya Bank	6.80	400 days	6.55	6.55	6.55
Karnataka Bank	6.65	555 days	6.50	6.15	6.15
Kotak Mahindra Bank	6.70	391 days to less than 2 years	6.25	6.40	6.25
RBL Bank	7.20	18 months to 3 years	7.00	7.20	6.70
SBM Bank India	7.30	Above 18 months to less than 2 years 3 days	7.00	7.10	7.00
South Indian Bank	6.60	1 year	6.60	6.20	5.70
Tamilnad Mercantile Bank	6.90	400 days (TMB400)	6.80	6.60	6.60
YES Bank	7.00	18 months 1 day to less than 5 years	6.65	7.00	6.75
PUBLIC SECTOR BANKS
Bank of Baroda	6.60	444 days – BoB Square Drive Deposit Scheme	6.25	6.50	6.40
Bank of India	6.70	450 days - Star Swarnim	6.25	6.25	6.00
Bank of Maharashtra	6.55	500 days	6.20	5.25	5.00