Fixed Deposit

Corporate FDs often offer higher interest and flexible tenures, but they also carry greater risk than bank FDs. Here is what investors should consider before putting in their money

Banks have trimmed fixed deposit rates in recent months, but several lenders still offer competitive returns across key tenures. Here is a detailed look at the latest FD slabs for investors

Here is a detailed list of the fixed deposit interest rates being offered by various banks across different tenures

A "structural shift" in deposit composition due to a decline in fixed deposits and lower share of current and savings accounts (Casa) balances poses challenges to banks over the medium to long term, rating agency Crisil said on Friday. This comes amid concerns in some quarters over the increased preference for capital market investments by households looking for higher yields, while others believe the shift is representative of the maturing profile of the system. "Two key trends, a decline in household contribution to term deposits and a lower Casa ratio, indicate a structural shift in deposit composition. And these may pose challenges to deposit stability and impact funding costs over the medium to long term, particularly during periods of tight liquidity," the rating agency said in a note Housheholds accounted for 60 per cent of the deposit base in March 2025 as against 64 per cent in March 2020, Crisil said, adding that besides growth in deposits, composition of the base is also

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

FD Rates for Senior citizen: Senior citizens can now earn up to 8.40% on fixed deposits, with Suryoday Small Finance Bank offering the highest rate

Remember, if surrender value falls below dues, the policy is foreclosed, leading to loss of coverage

A ₹10 lakh FD in Punjab National Bank shows how your returns can change depending on whether you pick monthly, quarterly or cumulative interest, and how tax rules apply

The central bank's decision to keep the policy rate at 5.5 per cent, and inflation projected to stay low, means that fixed deposit rates are not likely to be revised upwards

RBI cuts repo rate by 50 bps to 5.5%. FD interest rates fall further, prompting investors to consider laddering, hybrid funds, and small savings schemes for better returns

Senior citizens are often loathe to deal with the intricacies of complex financial instruments. In such cases, it might be a good idea to just park their savings in a fixed deposit

In May 2025, small finance banks are offering the highest FD interest rates, with NorthEast Small Finance Bank leading at 9%. Explore the best rates across small finance, private, public, and foreign

Learn how to minimize penalties on premature FD withdrawals by choosing the right bank and smart structuring strategies like laddering, sweep-in, and loans against FDs.

Exposure to gold and longer-duration debt, and purchasing equity funds systematically as valuations soften can help investors navigate this phase

Several lenders have revised their fixed deposit plans after central bank cut the repo rate

The highest rate is now 6.90 per cent for deposits of 2 to 3 years for regular customers, and 7.50 per cent for senior citizens for deposits of 5 to 10 years

The decision came on Saturday (April 12) after the Reserve Bank of India cut the policy repo rate by another 25 bps to 6 per cent

This second cut in three months could affect returns for fixed deposit (FD) holders

Fixed deposits ensure that the principal amount invested is preserved. Investors can rest assured that they will receive their initial investment back along with accrued interest at maturity

In a recent judgement, the Madras High Court held that fixed deposits (FDs) and jewels come under the definition of property under the Senior Citizen Act, 2007