Fixed Deposit Rates

The highest interest rates are available on deposits with a tenure of 30 months and one day to 36 months, with regular customers earning 7.40% p.a. and eligible senior citizens earning 7.90% p.a.

Bank of India has revised rates across select maturities and introduced a 500-day scheme, while Suryoday SFB is offering up to 8.25 per cent to general customers and 8.6 per cent to senior citizens

Indian Bank has raised rates on its 555-day Ind Grow and 777-day Ind Prosper deposit schemes by 15 basis points each, following the RBI's October repo rate increase.

State Bank of India Chairman C S Setty on Thursday said he does not see deposit rate hike for up to three months because of the excess liquidity in the system. Speaking a day after the RBI's policy announcement, Setty said the shift to tightening of rates by the central bank will help banks expand their net interest margins (NIMs) for up to three quarters. "I believe that next two-three months, there may not be any rate action on the deposits because we have sufficient liquidity in the system," Setty told reporters here. He, however, added that if the credit growth continues at the ongoing elevated levels, some banks may have to look at raising deposit rates to fund the advances. Setty also acknowledged that depositors need to be compensated with some level of positive real interest rate in a scenario where inflation is inching up. On the credit growth, he said the country's largest lender will be able to sustain its loan book expansion at a rate of 14-15 per cent. "While there i

The NBFC has weighted the increase towards longer tenures, offering up to 7.75 per cent to regular depositors and 8.15 per cent to senior citizens

Delhi High Court dismissed NatWest Markets' appeal over a ₹5.89 crore fixed deposit, ruling that any reduction in the interest rate must have a valid basis

Small finance banks offer the highest rates, while select lenders provide extra interest for super senior citizens aged 80 or more

Suryoday Small Finance Bank is offering rates of up to 8.25% for general citizens and 8.50% for senior citizens, while Shivalik Small Finance Bank offers up to 8.00% for general citizens.

For regular customers, the bank is offering interest rates of up to 8.25% a year, while senior citizens can earn as much as 8.50% a year under the revised rate structure.

FD rates: Small finance banks lead with 8%+, while big banks offer up to 6.75%

With the RBI holding interest rates steady and equity markets facing uncertainty, fixed deposits offer investors a low-risk option to compare returns across bank tenures

FD rates across 28 banks: SFBs dominate, PSU banks stay below 7%

The sweet spot for locking in the highest FD rates remains between 24 and 36 months

Small finance banks offer up to 8.1% on FDs, outpacing most public and private sector lenders

Senior citizens can earn higher guaranteed returns as small finance banks lead FD rates, while private and public banks offer other options

The lender has increased rates on fixed deposits in the two- to five-year buckets as banks intensify efforts to mobilise deposits amid widening credit-deposit gaps

Bank of India has revised interest rates on select fixed deposits below ₹3 crore across medium and long-term tenures, with the revised rates taking effect from May 18

With equity markets under pressure amid the West Asia conflict and interest rates expected to remain steady, fixed deposits are regaining appeal among low-risk investors

Data shows that FDs beat stock market returns in FY26. Analysts, however, expect equities to outperform most asset classes in FY27 despite the ongoing geopolitical conflict in West Asia.

Here's how leading analysts expect FY27 to play out for different asset classes and suggest an ideal investing strategy.