Savings accounts, fixed deposits and current accounts compared on the numbers that matter — interest, minimum balance penalties, and the fee schedule nobody reads.
If you are choosing a deposit, start with the best FD interest rates board and then run your own amount and tenure through the FD calculator — the headline rate is not what you keep, because interest is taxed at your slab rate as it accrues. Rates at an individual bank sit on that bank’s own page: the HDFC Bank FD grid and the State Bank of India grid are the two most looked up here. If the account is for day-to-day money rather than a deposit, the savings account interest rates page is the comparison that matters, since the minimum balance requirement usually costs more than the interest earns.
Rankings and comparisons
How free cash deposit limits and transaction caps are actually set, and why we do not publish a per-bank table.
None of them is a bank. Which regulated bank sits behind Fi, Jupiter and Niyo, and what happens when the app shuts down.
The highest fixed deposit rate today is 8.25% for general citizens and 8.50% for senior citizens, across 12 banks compared on rate, tenure and deposit insurance — with a link to every issuer's own tariff page.
Which minor savings accounts publish real spend controls, what the RBI's 2025 rule changed, and why the interest rate is the wrong thing to compare.
What actually separates one salary account from another: insurance cover, fee waivers, and what happens when the salary credit stops.
Why the highest advertised savings rate is rarely the right account, what the RBI rules on savings interest actually say, and where the surplus should go instead.
Where the extra half a percent actually is, plus the doorstep banking RBI already requires your bank to give you free.
Opening a zero balance account provides essential banking services without needing a minimum balance
Limits, timings, charges and failure deadlines for each payment rail, from the RBI and NPCI rulebooks.
Which account an NRI needs, decided by where the money was earned.
How to
Complain to your bank in writing, wait 30 days, then file free at cms.rbi.org.in — the limits, the deadlines and what the Ombudsman will not touch.
Guides and explainers
What your bank can charge for ATM use, SMS alerts, debit cards, cheque returns and low balance — and which of those the RBI actually caps.
Which days banks close, why the list differs by state, and what still works when a branch is shut.
What a bank locker costs, how the rent is built, and the RBI rule that caps the bank's liability at 100 times the annual rent.
There is no single best bank in India, because safety is not the variable
What it costs to break a fixed deposit before maturity, the RBI rules behind the penalty, and when it is still worth doing.
The 12.5% regulatory ceiling, the rating rule, and the sentence every NBFC deposit form must carry.
What the ₹5,00,000 bank deposit cover protects, what it excludes, and how fast you get paid.
Split a deposit into tranches that mature in successive years, so you average the rate cycle instead of betting on it.
Where to find any Indian bank branch's IFSC and MICR code, what the characters mean, and which payment needs which.
What banks charge when your savings balance dips below the minimum, and the RBI rules that limit it.
Your NRE fixed deposit will not pay more than an ordinary Indian FD
Current RD rates, the SBI term deposit card they follow, and why the rupee interest on an RD is about half what savers expect.
The highest savings rate we could verify is 7.00% at IDFC FIRST Bank
What seniors actually earn on a fixed deposit, bank by bank, and why the extra 50-80 bps is not a rule.
Why small finance banks pay up to 8.50%, and how the ₹5 lakh DICGC limit should size your deposit.
A 5-year locked deposit that only helps under the old tax regime, and usually loses to ELSS and PPF once tax on the interest is counted.
Related reading
About Credsir
What Credsir is, why it exists, and the rules every figure on the site has to follow.
6 Sep 2026 · 2 min
Banks and lenders, rate by rate
Every provider we hold a rate for — 24 in total — with the home loan, personal loan and fixed deposit rates each one publishes.
2 Oct 2026 · 2 min
Best Credit Cards in India 2026, Compared
The best credit card for 2026 is the one your spending pays for. We rank 16 Indian cards in rupees on real return, fees, lounges and forex.
17 Sep 2026 · 3 min