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Headline fixed deposit rates across major banks and small finance banks, gathered from public rate trackers as of early August 2026. This is a comparison table, not a recommendation — rates change often and vary by amount, tenure and branch. Always confirm the live rate on the bank’s own site before booking.
| Bank | Category | Highest Rate | At Tenure | Senior Citizen Rate |
|---|---|---|---|---|
| Ujjivan Small Finance Bank | Small Finance Bank | 8.25% | Special tenure (varies) | 8.75% |
| AU Small Finance Bank | Small Finance Bank | 8.10% | 18 months | 8.60% |
| Suryoday Small Finance BankSenior rate typically +0.50% over general — confirm with bank. | Small Finance Bank | 8.10% | Special tenure (varies) | — |
| Utkarsh Small Finance BankSenior rate typically +0.50% over general — confirm with bank. | Small Finance Bank | 8.10% | Special tenure (varies) | — |
| Equitas Small Finance BankSenior rate typically +0.50% over general — confirm with bank. | Small Finance Bank | 8.00% | 888 days (special) | — |
| Kotak Mahindra Bank | Private Bank | 6.80% | 2 – 3 years | 7.30% |
| Bank of Baroda | PSU Bank | 6.75% | 555 days (Golden Goal) | 7.25% |
| Punjab National Bank (PNB) | PSU Bank | 6.60% | 1–2 years | 7.10% |
| HDFC Bank | Private Bank | 6.50% | 18 months – 4y 7m | 7.00% |
| ICICI Bank | Private Bank | 6.50% | 18 months – 2 years | 7.10% |
| Axis Bank | Private Bank | 6.50% | 18 months – 10 years | 7.25% |
| State Bank of India (SBI) | PSU Bank | 6.45% | 444 days (Amrit Vrishti) | 7.05% |
Small finance banks pay more because they carry more credit risk than large banks — they’re still RBI-licensed and DICGC-insured up to ₹5 lakh per depositor per bank (same as any other bank), but that insurance cap matters more when the rate gap is this wide. Don’t chase the top rate blindly; check the bank’s credit rating too.
Rates shown are for deposits below ₹3 crore and are pre-tax; FD interest is taxed at your income slab rate.