Fixed Deposits

Compare what your savings could earn, when you can access them and how interest is paid. Start with the tenure that matches when you’ll need the money.

Compare FD rates

Rate snapshot checked 14 November 2026. Annual rates are before tax. Issuers can revise rates for new or renewed deposits. Confirm the applicable amount, tenure and payout option with the issuer before booking.

Retail bank fixed deposits

Domestic deposits below ₹3 crore. ICICI rows allow premature withdrawal.

Issuer and rate dateTenureGeneral p.a.Senior p.a.
HDFC Bank4 Nov 20261 year6.25%6.75%
HDFC Bank4 Nov 20262 years6.50%7.00%
HDFC Bank4 Nov 20263 years6.55%7.05%
HDFC Bank4 Nov 20265 years6.60%7.20%
ICICI Bank24 Oct 20261 year6.25%6.75%
ICICI Bank24 Oct 20262 years6.30%6.80%
ICICI Bank24 Oct 20263 years6.45%6.95%
ICICI Bank24 Oct 20265 years6.50%7.10%

Post Office Time Deposit

The published scheme rates apply across age groups.

Issuer and rate dateTenureGeneral p.a.Senior p.a.
India PostSee issuer schedule1 year6.90%6.90%
India PostSee issuer schedule2 years7.00%7.00%
India PostSee issuer schedule3 years7.10%7.10%
India PostSee issuer schedule5 years7.50%7.50%

Company fixed deposit

Bajaj Finance cumulative deposits with payout at maturity. Company deposits carry issuer credit risk and are outside DICGC bank deposit cover.

Issuer and rate dateTenureGeneral p.a.Senior p.a.
Bajaj Finance7 Oct 202612–17 months6.80%7.20%
Bajaj Finance7 Oct 202618–30 months7.00%7.40%
Bajaj Finance7 Oct 202631–60 months7.75%8.15%

Cumulative FD

Interest is reinvested and paid with the principal at maturity. Compare compounding frequency as well as the quoted annual rate.

Regular payout FD

Choose a payout interval the issuer offers. For example, Bajaj Finance lists 7.49% p.a. for monthly payout versus 7.75% p.a. for cumulative payout for general depositors over 31–60 months.

Five-year tax-saver FD

Tax-saving products generally have a five-year lock-in. Check the issuer’s dedicated rate and your eligibility for any deduction. Interest may still be taxable.

ICICI Tax Saver FD terms

Before you book

Are fixed deposits insured?

DICGC covers eligible bank deposits up to ₹5 lakh per depositor per bank in the same right and capacity, including principal and interest. Accounts across branches of the same bank are combined. This cover does not apply to company FDs.

Can I withdraw early?

Check the deposit terms. For callable deposits, the issuer may recalculate interest for the actual holding period and apply a penalty. Tax-saving and non-callable products have tighter withdrawal restrictions.

How much interest would ₹1 lakh earn?

At 6.25% p.a. compounded quarterly for one full year, ₹1,00,000 grows to about ₹1,06,398 before tax. The example assumes no withdrawals. The issuer’s calculation convention and payout schedule determine actual proceeds.

What happens when my deposit matures?

Check whether the issuer will pay the proceeds or auto-renew the deposit. A renewal may use a different rate. If you need money on several dates, compare splitting the deposit across more than one maturity.

Discuss your savings goals