FD Interest Rates – India

🏦 State Bank of India (SBI) ⬇️

SBI FD Rates 2025 (Below ₹3 Crore)

Tenure	Regular	Senior Citizen
7 – 45 days	3.05%	3.55%
46 – 179 days	5.05%	5.55%
180 – 210 days	5.80%	6.30%
211 – 364 days	6.05%	6.55%
1 – <2 years	6.25%	6.75%
2 – <3 years	6.45%	6.95%
3 – <5 years	6.30%	6.80%
5 – 10 years	6.05%	7.05%

SBI FD Rates (Above ₹3 Crore)

Tenure	Regular	Senior Citizen
7 – 45 days	5.25%	5.75%
46 – 179 days	6.25%	6.75%
180 – 210 days	6.60%	7.10%
211 days – <1 year	6.75%	7.25%
1 – <2 years	7.00%	7.50%
2 – <3 years	7.00%	7.50%
3 – <5 years	6.50%	7.00%
5 – 10 years	6.25%	6.75%

Features & Benefits

FD tenure ranges from 7 days to 10 years
Minimum deposit ₹1,000 (no maximum limit)
Senior citizens get extra 0.50% interest
Nomination facility available
Auto-renewal option available
Loan facility available against FD
TDS applicable if Form 15G/15H not submitted
Special Scheme: 444-day FD at 6.85%

Rates last updated on 29 Dec 2025. For latest rates, please check SBI official website.

🏦 HDFC Bank FD Rates ⬇️

📌 FD Rates (Regular Deposits)

Tenure	Regular	Senior Citizen
7 – 14 days	3.00%	3.50%
15 – 29 days	3.00%	3.50%
30 – 45 days	3.50%	4.00%
46 – 89 days	4.50%	5.00%
90 days – 6 months	4.50%	5.00%
6 months 1 day – 9 months	5.75%	6.25%
9 months 1 day – 364 days	6.00%	6.50%
1 year – < 15 months	6.60%	7.10%
15 – 18 months	7.10%	7.60%
18 – < 21 months	7.25%	7.75%
21 – < 35 months	7.00%	7.50%
3 years – < 4 years 7 months	7.00%	7.50%
4 years 7 months – 55 months	7.40%	7.90%
5 years 1 day – 10 years	7.00%	7.50%

⭐ Features & Benefits of HDFC FD

Senior citizens get extra 0.50% p.a.
Minimum deposit: ₹5,000
Nomination facility available
Sweep-in & Super Saver FD options available
Option to reinvest interest for compound returns
Wide range of FD tenures and competitive rates

📅 Rates last updated: 2025. Please verify latest rates on HDFC Bank official website.

🏦 Axis Bank FD Rates ⬇️

📌 FD Rates (Regular Deposits)

Tenure	Regular	Senior Citizen
7 – 14 days	3.00%	3.50%
15 – 29 days	3.00%	3.50%
30 – 45 days	3.50%	4.00%
46 – 60 days	4.25%	4.75%
61 days – < 3 months	4.50%	5.00%
3 – < 4 months	4.75%	5.25%
4 – < 6 months	4.75%	5.25%
6 – < 7 months	5.75%	6.25%
7 – < 8 months	5.75%	6.25%
8 – < 9 months	5.75%	6.25%
9 – < 10 months	6.00%	6.50%
10 – < 11 months	6.00%	6.50%
11 months – < 1 year	6.00%	6.50%
1 – < 2 years	6.70%	7.20%
14 – < 18 months	6.70%	7.20%
15 – < 18 months	7.25%	7.75%
18 – < 2 years	7.25%	7.75%
2 – < 3 years	7.10%	7.60%
3 – < 5 years	7.10%	7.60%
5 – 10 years	7.00%	7.75%

⭐ Features & Benefits of Axis Bank FD

Senior citizens get higher interest over regular rates
Minimum deposit: ₹5,000
Nomination facility available
Attractive short-term FD interest rates
Easy & hassle-free FD booking
Loan available up to 90% of FD value
Wide range of FD tenures

📅 Rates last updated: 2025. Please verify latest rates on Axis Bank official website.

🏤 Post Office Fixed Deposit ⬇️

📌 Post Office FD Rates 2025

Tenure	Interest Rate
1 year	6.90%
1 year 1 day – 2 years	7.00%
2 years 1 day – 3 years	7.10%
3 years 1 day – 5 years	7.50%

⭐ Features & Benefits of Post Office FD

Tenure ranges from 1 year to 5 years
Minimum deposit amount: ₹200
No maximum deposit limit
Multiple FD accounts allowed
Joint accounts can be opened (up to two adults)
Minors (10+ years) can open accounts with guardian
5-year FD eligible for tax benefits under Section 80C
FDs can be transferred between post offices
Automatic renewal on maturity
NRIs are not allowed to open Post Office FDs
Nomination facility available (even after opening)
Deposit can be made via cash or cheque

📅 Rates last updated: 2025. Please verify latest rates on India Post official website.

🏦 Bank of Baroda ⬇️

📌 FD Interest Rates 2025

Tenure	Regular	Senior Citizen
7 – 14 days	4.25%	4.75%
15 – 45 days	4.50%	5.00%
46 – 90 days	5.50%	6.00%
91 – 180 days	5.60%	6.10%
181 – 210 days	5.75%	6.25%
211 – 270 days	6.25%	6.75%
271 days – < 1 year	6.50%	7.00%
1 year	6.85%	7.35%
1 year 1 day – 400 days	7.00%	7.50%
2 years 1 day – 3 years	7.15%	7.65%
3 years 1 day – 5 years	6.80%	7.40%
5 years 1 day – 10 years	6.50%	7.50%
Above 400 days – 2 years	7.00%	7.50%

⭐ Features & Benefits

Senior citizens get extra 0.50% p.a.
Minimum FD amount: ₹10,000
Loan / overdraft facility up to 90% of FD value
Interest paid at maturity
Nomination facility available
Wide range of FD schemes including Baroda Advantage, Double Dhamaka, Tax Saving FD

📅 Rates last updated: 2025. Please verify latest rates on Bank of Baroda’s official website.

🏦 Union Bank of India ⬇️

📌 Union Bank FD Rates

Tenure	Regular	Senior Citizen
7 – 14 days	3.50%	4.00%
15 – 30 days	3.50%	4.00%
31 – 45 days	3.50%	4.00%
46 – 90 days	4.50%	5.00%
91 – 120 days	4.80%	5.30%
121 – 180 days	5.00%	5.50%
181 – 332 days	6.35%	6.85%
333 days	7.40%	7.90%
334 days – < 1 year	6.35%	6.85%
1 year	6.80%	7.30%
1 year 1 day – 398 days	6.80%	7.30%
399 days	7.25%	7.75%
400 – 996 days	6.60%	7.10%
997 days	6.40%	6.90%
998 days – < 3 years	6.60%	7.20%
3 years	6.70%	7.20%
3 – 10 years	6.50%	7.00%

⭐ Features & Benefits of Union Bank FD

FD tenure ranges from 7 days to 10 years
Loan facility available up to 90% of FD amount
Wide range of fixed deposit schemes
Competitive interest rates across tenures
Senior citizens get extra 0.50% p.a.
Easy and fast liquidity options

Rates last updated: January 2025. Please verify latest rates on Union Bank of India official website.

🏦 Co-Operative Banks FD Rates ⬇️

📌 FD Interest Rates (Selected Co-Operative Banks)

Bank & Tenure	Regular	Senior Citizen
Andhra Pradesh State Co-op Bank – 1 Year	6.00%	6.60%
Repco Bank – 1 to 2 Years	6.25%	6.75%
Bombay Mercantile Co-op Bank – 5 to 10 Years	5.40%	6.20%
Bharat Co-op Bank – More than 5 Years	6.00%	6.50%
Janata Sahakari Bank – More than 5 Years	5.85%	6.35%

⭐ Features & Benefits of Co-Operative Bank FDs

Higher interest rates compared to many large banks
Senior citizens generally get 0.50%–0.75% extra
Local presence with personalized banking support
Good option for medium to long-term deposits
Rates vary by bank and region

📅 Rates last updated: 2025. Please verify latest FD rates on the respective cooperative bank’s official website.

🏦 UCO Bank FD Rates ⬇️

📌 UCO Bank FD Rates 2025

Tenure	Regular	Senior Citizen
7 – 29 days	2.90%	3.15%
30 – 45 days	3.00%	3.25%
46 – 60 days	3.50%	4.00%
61 – 90 days	3.50%	4.00%
91 – 150 days	4.50%	4.75%
151 – 180 days	5.00%	5.25%
181 – 332 days	5.50%	6.00%
333 days	7.30%	7.80%
334 – 364 days	5.50%	6.00%
1 year – 399 days	6.50%	7.00%
400 days	7.05%	7.55%
401 days – 2 years	6.50%	7.00%
2 years 1 day – 3 years	6.30%	6.80%
3 – 5 years	6.20%	6.70%
5 years	6.10%	6.60%

⭐ Features & Benefits of UCO Bank FD

FD tenure ranges from 7 days to 10 years
Loan facility up to 90% of deposit value
Nomination facility available
Auto-renewal at prevailing interest rates
Senior citizens get 0.50% extra interest
Multiple FD schemes: Tax Saver, Monthly Income, Flexi FD, Kuber Yojana
Interest paid at maturity (scheme dependent)

📅 Rates last updated: 2025. Please verify latest rates on the UCO Bank official website.

🏦 Bank of India ⬇️

📌 BOI FD Rates 2025

Tenure	Regular	Senior Citizen
7 – 14 days	3.00%	3.50%
15 – 30 days	3.00%	3.50%
31 – 45 days	3.00%	3.50%
46 – 90 days	4.50%	5.00%
91 – 179 days	4.50%	5.00%
180 – 269 days	6.00%	6.50%
270 days – < 1 year	6.00%	6.50%
1 year – < 2 years	6.80%	7.30%
2 years	6.80%	7.30%
> 2 years – < 3 years	6.75%	7.25%
3 – < 5 years	6.50%	7.00%
5 – 10 years	6.00%	6.50%
Special 400 days	7.30%	7.80%

⭐ Features & Benefits

FD tenure ranges from 7 days to 10 years
Minimum FD amount: ₹10,000
Senior citizens get 0.50% extra interest
Loan / overdraft up to 90% of FD amount
Nomination facility available
Wide range of FD schemes offered by BOI

📅 Rates last updated: 2025. Please verify latest rates on Bank of India official website.

🏦 Canara Bank FD Rates ⬇️

📌 Canara Bank FD Rates 2025

Tenure	Regular	Senior Citizen
7 days – 45 days	4.00%	4.00%
46 days – 90 days	5.25%	5.25%
91 days – 179 days	5.50%	5.50%
180 days – 269 days	6.15%	6.65%
270 days – < 1 year	6.25%	6.75%
1 year	6.85%	7.35%
1 year – < 2 years	6.85%	7.35%
2 years 1 day – < 3 years	7.30%	7.80%
3 years – < 5 years	7.40%	7.90%
5 years – 10 years	6.70%	7.20%
444 days (Special)	7.25%	7.75%

⭐ Features & Benefits of Canara Bank FD

FD tenure ranges from 7 days to 10 years
Senior citizens get extra 0.50% p.a.
Minimum deposit starts from ₹1,000
Nomination facility available
Loan / overdraft up to 90% of FD value
Interest paid at maturity
Special schemes like Canara Khazana & Canara Shikhar
Available for Individuals, HUFs, trusts & firms

📅 Rates indicative for 2025. Please verify on Canara Bank’s official website.

📊 Fixed Deposit Interest Rates (India)

📌 FD Rates (Regular Deposits)

⭐ Features & Benefits of HDFC FD

📌 FD Rates (Regular Deposits)

⭐ Features & Benefits of Axis Bank FD

📌 Post Office FD Rates 2025

⭐ Features & Benefits of Post Office FD

📌 FD Interest Rates 2025

⭐ Features & Benefits

📌 Union Bank FD Rates

⭐ Features & Benefits of Union Bank FD

📌 FD Interest Rates (Selected Co-Operative Banks)

⭐ Features & Benefits of Co-Operative Bank FDs

📌 UCO Bank FD Rates 2025

⭐ Features & Benefits of UCO Bank FD

📌 BOI FD Rates 2025

⭐ Features & Benefits

📌 Canara Bank FD Rates 2025

⭐ Features & Benefits of Canara Bank FD