FD Rates

Fixed deposit rates appear to have peaked after RBI's repo moves. Here's where banks and corporate FDs stand in February 2026 and how seniors can respond

Legal experts explain when children or grandchildren can inherit FDs, what nominees can do, and which documents banks will ask for

Small finance banks are outperforming their larger rivals by offering senior citizens premium yields of over 8%, providing a crucial safety net for retirement income

Small finance banks outperforming public sector rivals by offering retail deposit rates of up to 8%

Bank FD rates for senior citizens in Jan 2026: Small finance banks lead the market with yields of up to 8.1%, providing a lucrative window for senior citizens to lock in high returns

Major lenders are holding firm at 6-6.5 % while small finance banks lead the market with returns of up to 8%

Special SBI FDs offer higher returns for seniors and large deposits in 2026

Interest rates vary widely across banks and tenures, making comparison important

Bank-wise FD rates range from 5% to 8%, depending on tenure and lender type

Small finance banks lead the market for retirees, with senior citizen fixed deposit rates peaking at over 8% across select tenures

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

Small finance banks lead returns, while PSU and private banks offer steadier FD yields across tenures

HDFC Bank has lowered its fixed deposit rates by 15 bps for select tenors on deposits below Rs 3 crore, bringing its peak deposit rate down to 6.45% from December 17

Larger banks remain popular for institutional stability, according to data

Small finance banks offer the highest interest rates, while private- and public-sector Banks offer generally lower peak rates

Debt-oriented fund-of-funds, like income-plus-arbitrage funds and arbitrage funds are good options for debt fund investors

RBI's December 5 repo cut is expected to push banks towards trimming deposit rates. Here are the updated FD slabs and how savers can plan in a falling-rate cycle

FD Rates in October 2025: Fixed deposits remain a safe bet, but the right mix of laddering, diversification and payout choice can boost returns. Here's how October 2025 FD rates stack up across banks

Best FD rates in Sept: The Fed's first rate cut since December 2024 could push Indian banks to trim deposit returns further, making this a key moment for savers to lock in fixed deposit rates

Small finance banks offer the highest returns; their larger peers have conservative terms