FD Interest Rates 2025: Currently, many banks are offering high returns on their fixed deposit schemes. Therefore, you should compare bank interest rates before investing.
Fixed Deposit Interest Rates 2025: The stock market has been experiencing significant volatility over the past several months. If you’re looking for a safe investment, a fixed deposit (FD) could be a good option. It offers predetermined interest rates, reducing risk. Long-term fixed deposits typically offer higher interest rates than short-term investments. Furthermore, banks offer higher interest rates to senior citizens than those offered to ordinary citizens. Currently, many banks are also offering high returns on their fixed deposit schemes. Therefore, you should compare interest rates across banks before investing.
Private Bank Interest Rates
The country’s largest private bank, HDFC Bank, is offering 7.10% interest to senior citizens on FDs with maturities of 18 to 21 months. However, general citizens are offered 6.60% interest. This rate is effective from June 25, 2025.
Following this, ICICI Bank is offering 7.10% interest to senior citizens on FDs with maturities of 2 to 10 years, while general citizens are offered 6.60% interest.
Similarly, Kotak Mahindra Bank is offering 7.10% interest on 23-month fixed deposits, while general citizens are getting 6.60% interest. This interest rate is effective from August 20, 2025.
Meanwhile, Federal Bank is offering a 7.20% return for senior citizens and 6.70% for general citizens on a 999-day FD. These rates are effective from October 17, 2025.
This is the interest rate on FDs offered by public sector banks.
Speaking of public sector bank FD schemes, the country’s largest bank, SBI, is offering 6.95% interest to senior citizens on 2- to 3-year FD schemes, while general citizens receive 6.45%. This rate is effective from July 15, 2025.
Furthermore, Union Bank of India is offering 6.60% interest to senior citizens on 3-year fixed deposits, while general citizens receive 6.10%. This rate is effective from August 20, 2025.
Punjab National Bank (PNB) is offering 7.10% on 390-day FDs. This interest rate is effective from September 1, 2025.
Additionally, Canara Bank is offering 7.00% interest to senior citizens on FDs with a maturity of 444 days, while general citizens receive 6.50% interest. This rate is effective from August 7, 2025.
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