Banking in India
Savings accounts, fixed deposits and current accounts compared on the numbers that matter — interest, minimum balance penalties, and the fee schedule nobody reads.
Fixed & recurring deposits
Where most Indian household savings still sit.
- Live rates
Best FD Interest Rates
Highest fixed deposit rates across banks and tenures, updated weekly.
- Live rates
Senior Citizen FD Rates
The extra 50–75 bps, bank by bank.
- Live rates
Small Finance Bank FD Rates
The 8%+ rates — and the ₹5 lakh DICGC limit that governs them.
- Ranked
Tax-Saver Fixed Deposits
5-year lock-in, 80C eligible, and usually beaten by ELSS.
- Live rates
Corporate & NBFC Fixed Deposits
Higher rates, credit rating risk, no deposit insurance.
- Live rates
NRE & NRO FD Rates
Tax-free NRE interest vs taxable NRO, compared.
- Live rates
Recurring Deposit Rates
Monthly-commitment deposits across banks.
- Guide
FD Laddering Strategy
Beating rate cycles without locking everything at once.
- Guide
Breaking an FD Early
Penalty rules by bank and when it still makes sense.
Bank accounts
Savings, salary, current and digital-first accounts.
- Ranked
Best Savings Accounts
Interest rate against minimum balance requirement.
- Ranked
Best Zero-Balance Accounts
No minimum balance, no penalty.
- Live rates
Savings Account Interest Rates
Every bank, every slab.
- Ranked
Best Salary Accounts
Free insurance, waived charges and what happens if salary stops.
- Ranked
Best Digital Banks & Neobanks
Fi, Jupiter, Niyo and the regulated banks behind them.
- Ranked
Best Senior Citizen Accounts
Doorstep banking and higher deposit rates.
- Ranked
Best Kids & Minor Accounts
Guardian rules and spend controls.
- Guide
NRE vs NRO vs FCNR Accounts
Which account an NRI actually needs.
- Ranked
Best Current Accounts for Business
Free cash deposit limits and transaction caps.
Charges & operations
The fee schedule your bank hopes you never open.
- Reference
Bank Charges Compared
ATM, SMS, debit card, cheque return and non-maintenance fees.
- Reference
Minimum Balance Penalties
What each bank charges when you dip below.
- Reference
Bank Locker Charges & Rules
Rent by size and city, plus the RBI liability rules.
- Guide
NEFT vs RTGS vs IMPS vs UPI
Limits, timings and costs for each rail.
- Tool
IFSC & MICR Code Finder
Look up any branch code in India.
- Reference
Bank Holidays
RBI holiday calendar, state by state.
- Guide
DICGC Deposit Insurance
The ₹5 lakh cover — what it does and does not protect.
- Reviews
Bank Reviews
Independent reviews of every major Indian bank.
- Guide
How to Complain: RBI Ombudsman
The escalation ladder that actually gets results.
Banking calculators
Run the numbers before you talk to anyone selling you something.