FD Rates December 2025: Which Bank Offers the Highest Interest? Check Latest Rates Here

FD Rates December 2025: Which Banks Are Offering the Best Returns?

For investors looking for a safe and stable return, Fixed Deposits (FDs) remain one of the most trusted investment options in India. With guaranteed returns and flexible tenure choices, FDs continue to be a preferred choice for people who want low-risk growth. As interest rates keep changing, comparing the latest FD rates offered by different banks becomes essential to maximize returns.

As of November 2025, scheduled commercial banks in India are offering FD interest rates ranging from 2.50% to 8.60% depending on the bank, deposit amount, and tenure. Typically, small finance banks and NBFCs offer the highest rates, while large private and PSU banks provide slightly lower but safer rates. FD tenures range from 7 days to 10 years, and the interest rate varies according to the duration.

Below is a detailed look at the latest FD rates offered by major Indian banks.

SBI FD Interest Rates 2025

India’s largest bank, State Bank of India (SBI), offers FD rates between 3.05% and 6.60% for regular customers. Senior citizens receive an additional 0.50%, taking the maximum interest rate to 7.10%.

• 1-year FD:

  • Regular Customers: 6.25%

  • Senior Citizens: 6.75%

SBI remains a top choice for risk-averse investors due to its safety and reliability.

Bank of Baroda (BoB) FD Rates

Bank of Baroda provides FD interest rates ranging from 3.50% to 6.60% for general customers. Senior citizens get 4.00% to 7.10%.

• Tax Saver FD (5–10 years):

  • Regular Customers: 6.00%–6.40%

  • Senior Citizens: 7.00%

BoB's long-term tax-saving FD is especially popular among individuals looking for tax benefits.

HDFC Bank FD Rates

HDFC Bank offers FD rates between 2.75% and 6.60% for general customers, with senior citizens earning 3.25% to 7.10%.

• Tenures available: 7 days to 10 years

HDFC’s FD schemes are widely chosen for stability and smooth digital banking services.

Punjab National Bank (PNB) FD Rates

Punjab National Bank provides interest rates ranging from 3.00% to 6.60% for regular customers. Senior citizens get 3.50% to 7.10%.

• Tax Saver FD:

  • Regular: 5.85%–6.25%

  • Senior Citizens: 6.35%–6.75%

PNB continues to attract customers with competitive rates and wide branch availability.

Axis Bank FD Rates

Axis Bank offers interest rates from 3.00% to 6.60% for general customers, while senior citizens can earn up to 7.35%.

• 1 year to 1 year 10 days FD:

  • Regular Customers: 6.25%

  • Senior Citizens: 6.75%

Axis Bank provides higher benefits for senior depositors, making it attractive for retirees.

Where Can You Earn the Highest Returns?

If your priority is maximum interest, small finance banks and select NBFCs currently offer the highest FD rates—often going beyond 8%. However, investors usually prefer large PSU and private banks such as SBI, HDFC, PNB, BoB, and Axis Bank for added safety and trust.

Before choosing an FD, consider:

• Deposit safety

• Bank credibility

• Interest payout frequency

• Tax implications

• Tenure flexibility

Final Thought

FDs continue to be a reliable investment choice for those who want assured returns with minimal risk. Whether you are planning for short-term savings or long-term stability, comparing FD rates across banks can help you make a smarter financial decision.

With interest rates varying widely, now is a good time to review your options and choose the FD that offers the best balance of safety and returns.