FD Interest Rates 2026 — All Banks India
Fixed deposit interest rates for all major Indian banks — general and senior citizen rates — sourced directly from official bank rate pages. Rates are verified and stamped with the effective date. Rates change frequently — always verify with your bank before investing.
Source: Official bank FD rate pages only. Senior citizen rates (+0.25% to +0.50%) shown separately. Rates sourced at time of verification — re-verified within 14 days. FD rates can change without notice.
Bank-wise FD Rates
Select your bank for tenure-wise rate table
Axis Bank
7,099 branches
Bank of Baroda
10,160 branches
Bank of India
7,181 branches
Canara Bank
12,155 branches
HDFC Bank
11,007 branches
ICICI Bank
8,341 branches
IDBI
3,723 branches
Punjab National Bank
13,057 branches
State Bank of India
26,499 branches
Union Bank of India
11,256 branches
FD FAQs
Are senior citizen FD rates higher?
Yes. Most Indian banks offer an additional 0.25% to 0.50% per annum over the general rate for senior citizens (age 60+). Some banks offer super-senior-citizen rates (age 80+) that are even higher.
How is FD interest taxed?
FD interest is fully taxable as per your income tax slab. Banks deduct TDS at 10% if interest exceeds ₹40,000/year (₹50,000 for seniors). Submit Form 15G/15H if you're below the tax threshold to avoid TDS.
How often do FD rates change?
Banks revise FD rates based on RBI repo rate decisions and internal liquidity requirements. Major revisions typically happen within days of RBI Monetary Policy Committee (MPC) meetings. We re-verify rates within 14 days.
Are callable and non-callable FD rates different?
Yes. Non-callable FDs (cannot be withdrawn before maturity) typically offer slightly higher rates (+0.10%–0.25%) to compensate for the illiquidity.