Bank Fixed Deposit Rates 2025: Fixed Deposits (FDs), also called time or term deposits, are a popular and secure investment option, thanks to their low-risk profile. They allow you to safely invest your surplus funds for a fixed duration while earning guaranteed interest, which can be received periodically or upon maturity.
FD interest rates generally range between 3% and 8%, depending on the tenure of the deposit. Senior citizens often benefit from an extra 0.5% interest rate, making FDs even more appealing for retirement savings.
Before investing, it’s essential to compare interest rates across different banks to maximise your returns. In this article, we’ll review the FD interest rates offered by four leading banks, helping you make a well-informed choice.
Fixed Deposit Rates Comparison In India
State Bank of India (Rates on deposits of less than Rs 3 Crores)
SBI FD Interest Rates: If you invest in Fixed Deposits (FDs) with the State Bank of India, you can expect interest rates between 3.50% and 7.90%. Senior citizens receive an extra 0.50%. The bank offers a 6.80% interest rate for FDs maturing in one year and a 7% rate for tenures ranging from two years to just under three years.
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Punjab National Bank (Rates on deposits of less than Rs 3 Crores)
PNB FD Interest Rates 2025: Punjab National Bank offers fixed deposit interest rates ranging from 3.50% to 8.05%. For one-year fixed deposits, regular investors earn 6.80%, while senior citizens enjoy a higher rate of 7.30%.
ICICI Bank (Rates on deposits of less than Rs 5 Crores)
ICICI Bank FD Interest Rates 2025: ICICI Bank offers interest rates between 3% and 7.80% on its fixed deposit schemes. Senior citizens receive an additional 0.5%, bringing their rates from 3 % to 7.80% across various tenures, from 7 days to 10 years. For one-year fixed deposits, general customers are offered an interest rate of 6.70%. Senior citizens get 7.20% interest for the same period.
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HDFC Bank (Rates on deposits of less than Rs 3 Crores)
HDFC Bank FD Rates 2025: HDFC Bank offers competitive interest rates for one-year fixed deposits, with regular investors earning 6.60% and senior citizens getting a higher rate of 7.10%. The bank provides interest rates ranging from 3% to 7.90% for customers, depending on the maturity period.
