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The 10 banks paying the most on a fixed deposit right now

The gap between the best and worst one-year deposit rate on this list is 1.50 percentage points. On ₹10 lakh that is ₹15,000 a year, for the same money, locked for the…

21 September 2026 · Published bank comparisons, deposits below ₹3 crore, 2026-08-15

01

INVESTING

One-year rate

8.0%

₹8,000 on ₹1 lakh · 8.5% for seniors

Shivalik Small Finance Bank

8.0% general, 8.5% senior. ₹8,000 on ₹1 lakh for a year.

02

INVESTING

One-year rate

8.0%

₹8,000 on ₹1 lakh · 8.5% for seniors

Unity Small Finance Bank

8.0% general, 8.5% senior. ₹8,000 on ₹1 lakh for a year.

03

INVESTING

One-year rate

7.8%

₹7,800 on ₹1 lakh · 8.3% for seniors

Jana Small Finance Bank

7.8% general, 8.3% senior. ₹7,800 on ₹1 lakh for a year.

04

INVESTING

One-year rate

7.75%

₹7,750 on ₹1 lakh · 8.25% for seniors

Suryoday Small Finance Bank

7.75% general, 8.25% senior. ₹7,750 on ₹1 lakh for a year.

05

INVESTING

One-year rate

7.75%

₹7,750 on ₹1 lakh · 8.25% for seniors

Utkarsh Small Finance Bank

7.75% general, 8.25% senior. ₹7,750 on ₹1 lakh for a year.

06

INVESTING

One-year rate

6.75%

₹6,750 on ₹1 lakh · 7.25% for seniors

Bank of Baroda

6.75% general, 7.25% senior. ₹6,750 on ₹1 lakh for a year.

07

INVESTING

One-year rate

6.6%

₹6,600 on ₹1 lakh · 7.1% for seniors

Punjab National Bank

6.6% general, 7.1% senior. ₹6,600 on ₹1 lakh for a year.

08

INVESTING

One-year rate

6.5%

₹6,500 on ₹1 lakh · 7.25% for seniors

Axis Bank

6.5% general, 7.25% senior. ₹6,500 on ₹1 lakh for a year.

09

INVESTING

One-year rate

6.5%

₹6,500 on ₹1 lakh · 7.1% for seniors

HDFC Bank

6.5% general, 7.1% senior. ₹6,500 on ₹1 lakh for a year.

10

INVESTING

One-year rate

6.5%

₹6,500 on ₹1 lakh · 7.1% for seniors

ICICI Bank

6.5% general, 7.1% senior. ₹6,500 on ₹1 lakh for a year.

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The 10 banks paying the most on a fixed deposit right now

Rates are as published on 2026-08-15, for deposits below ₹3 crore, from Published bank comparisons, deposits below ₹3 crore. A bank can change its card rate any day and many do without…

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Source: Published bank comparisons, deposits below ₹3 crore, 2026-08-15