Bank FD Rates 2025: These 10 banks are offering bumper returns on FDs, earning up to 7.25% interest..

Bank FD Rates 2025: Indian investors have long considered fixed deposits (FDs) a reliable investment option. FDs offer a fixed and stable return, regardless of market fluctuations. This is why investors of all ages, whether employed or retired, prefer to invest a significant portion of their savings in FDs. In 2025, some of the country's public and private banks have offer impressive interest rates to their customers. Let's find out which bank is offering what interest rate and which investors can benefit the most.

1. State Bank of India (SBI)

India's largest public sector bank, SBI, is offering attractive returns to its customers.

General customers: Interest rates ranging from 3% to 7.10%
Senior citizens: Interest rates ranging from 3.50% to 7.60%
SBI's FD schemes are available for tenures ranging from 7 days to 10 years.

2. HDFC Bank
HDFC Bank offers its customers better interest rates than the market.

General customers: 3% to 7.25%
Senior citizens: 3.50% to 7.75%

This bank also offers the facility to open digital FDs, allowing investors to invest from the comfort of their homes.

3. ICICI Bank
ICICI Bank offers its customers financial security along with stable returns.

General customers: 3% to 7.10%
Senior citizens: 3.50% to 7.60%

Investors can start an FD here with as little as ₹1,000.

4. IDBI Bank
General customers: 3% to 6.75%
Senior citizens: 3.50% to 7.25%

Interest on IDBI FDs can be paid quarterly, semi-annually, or annually.

5. Kotak Mahindra Bank

General customers: 2.75% to 7.20%
Senior citizens: 3.25% to 7.70%

Kotak Bank FDs are also available on digital platforms and offer tax-saving FD options.

6. Punjab National Bank (PNB)
General customers: 3.50% to 7.25%
Senior citizens: 4% to 7.75%

Interest rates on 1-year to 3-year FDs at PNB are quite impressive.

7. Canara Bank
General customers: 4% to 7.25%
Senior citizens: 4% to 7.75%

Canara Bank's 444-day FD scheme is very popular among investors, offering the highest interest rates.

8. Axis Bank

General customers: 3.50% to 7.10%
Senior citizens: 3.50% to 7.85%

Axis Bank also offers auto-renewal and online tracking for its customers.

9. Bank of Baroda
General customers: 3% to 7.05%
Senior citizens: 3.55% to 7.55%

Premature termination of FDs at Bank of Baroda is possible, although a nominal fee may apply.

Benefits of Investing in FDs
Fixed deposits are a safe and risk-free investment. Investors receive their full amount along with interest at a fixed time. This is an excellent option for those seeking stable income and capital protection. It is even more beneficial for senior citizens, as they receive an additional interest rate.

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