deposit

Fixed Deposits

Lock in up to 8.25% on your fixed deposit.

Up to 8.25% for general Up to 8.75% for seniors Tenures 7 days – 10 years DICGC insured up to ₹5L

Top Fixed Deposits ranked

Peak FD Rate · Updated for the current quarter

Bank / Product	Peak FD Rate	Highlight
AU AU Small Finance Bank Highest	8.10%	18 months	View
Equ Equitas SFB	8.25%	888 days	View
Ujj Ujjivan SFB	8.00%	560 days	View
Ban Bandhan Bank	7.85%	1 year	View
IDF IDFC FIRST	7.75%	500 days	View
HDF HDFC Bank	7.25%	18 months	View
SBI SBI Amrit Kalash	7.10%	400 days	View

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Detailed Charges & Benchmarks

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Are FDs in small finance banks safe?

Yes - deposits up to ₹5 lakh are insured under DICGC, same as scheduled commercial banks.

Is FD interest taxable?

Yes, FD interest is added to your income and taxed at slab rate. TDS @10% applies if interest exceeds ₹40,000.

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