Bank FD Rates in 2025: Fixed Deposit (FD) is a safe and beneficial investment option. In FD, pre-determined interest is available on your investment. In this, the investor gets returns according to the pre-determined time period and interest rate. This option is better for those people
Bank FD Rates in 2025: Fixed Deposit (FD) is a safe and beneficial investment option. In FD, pre-determined interest is available on your investment. In this, the investor gets returns according to the pre-determined time period and interest rate. This option is better for those people who want to keep their savings safe. Know here how much interest the top 10 banks of the country are offering on FD.
The top 10 banks of the country are offering this interest
HDFC Bank:
7.4% interest on 5-year FD for general citizens.
7.9% for senior citizens.
Kotak Mahindra Bank:
7.4% interest for general citizens and 7.9% for senior citizens on FDs of 390-391 days.
Federal Bank:
7.4% interest for general citizens and 7.9% for senior citizens on FDs of 777 days.
State Bank of India (SBI):
7% interest for general citizens and 7.5% for senior citizens on FDs of 2-3 years.
Karnataka Bank:
7.50% interest for general citizens and 7.75% for senior citizens.
Bank of Baroda (BOB):
7.3% interest for general citizens and 7.8% for senior citizens on FDs of 400 days.
Union Bank of India:
7.3% interest for general citizens and 7.8% for senior citizens on FDs of 456 days.
RBL Bank:
8% interest for general citizens and 8.50% for senior citizens.
Bandhan Bank:
8.05% interest for general citizens and 8.55% interest for senior citizens.
IndusInd Bank:
7.99% interest for general citizens and 8.49% interest for senior citizens.
Features of FD
The Reserve Bank of India (RBI) has issued new guidelines on FD, according to which:
- Allows penalty-free withdrawal for amounts less than ₹ 10,000.
- In cases of serious illness, withdrawal of entire FD amount is allowed.
- Premature withdrawal and penalty
- Premature withdrawal means withdrawing money before the maturity period of FD.
- In this, banks usually charge a penalty of 0.5% to 1%.
- Fixed deposit is a safe and attractive option for investors. The higher interest offered on mid and long-term FDs make it profitable.
