Bank FD: If you want to make a safe investment by saving some amount every month, then Fixed Deposit (FD) is a good option. Recently, the Reserve Bank of India (RBI) has reduced the repo rate to 5.5 percent. After this, many banks have reduced the interest rates on FDs.
Bank FD: If you want to make a safe investment by saving some amount every month, then Fixed Deposit (FD) is a good option. Recently, the Reserve Bank of India (RBI) has reduced the repo rate to 5.5 percent. After this, many banks have reduced the interest rates on FDs, which has especially affected senior citizens and investors who want stable and safe earnings for themselves.
However, some banks are still offering attractive interest rates on two-year FDs. According to the BankBazaar report till July 21, 2025, here is a list of 15 such banks which are paying the highest interest to non-senior citizens on two-year FDs. Know how much money you will get back in 2 years on investing Rs 1 lakh.
1. CSB Bank
- Interest rate: 7.4 percent
- Amount you will get: Rs 1,15,000
2. RBL Bank
- Interest rate: 7.3 percent
- Amount you will get: Rs 1,15,000
3. Bandhan Bank
- Interest rate: 7.25 percent
- Amount you will get: Rs 1,15,000
4. DCB Bank
- Interest rate: 7.15 percent
- Amount you will get: Rs 1,14,000
5. IndusInd Bank and Yes Bank
- Interest rate: 7 percent
- Amount you will get: Rs 1,14,000
6. Indian Bank, Punjab and Sind Bank, UCO Bank
- Interest rate: 6.9 percent
- Amount You will get: Rs 1,14,000
7. Karur Vysya Bank
- Interest rate: 6.85 percent
- Amount you will get: Rs 1,14,000
8. IDBI Bank, Indian Overseas Bank, City Union Bank, Karnataka Bank, Tamil Nadu Mercantile Bank
- Interest rate: 6.75 percent
- Amount you will get: Rs 1,14,000
Is money safe in FD?
An institution of RBI, DICGC i.e. Deposit Insurance and Credit Guarantee Corporation, gives guarantee on amount up to Rs 5 lakh deposited in FD. That is, investment up to this amount is completely safe.
What to do before investing?
While choosing a bank, do compare the interest rate, term and service. If you want your money to grow without risk, then FD is a good option. Just check the interest rate and terms of the bank before investing.
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