FD interest rate up to 8.25%: Check list of banks

Latest FD interest rates: Several banks have recently updated their fixed deposit interest rates, providing higher returns to customers. HDFC Bank and ICICI Bank have increased rates for tenures from 3 years to 10 years. Meanwhile, senior citizens are receiving even higher rates of interest across multiple banks. Additionally, banks such as Utkarsh Small Finance Bank and Suryoday Small Finance Bank are offering the highest rates available.

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If you are planning to invest in a fixed deposit (FD), it is worth checking the latest interest rates offered by banks before locking in your money. Several banks, including HDFC Bank, ICICI Bank, Bank of Baroda, Indian Overseas Bank and Federal Bank, have revised their FD rates in the last one month.

These banks have increased

FD interest rates on select FD tenures, providing up to 8.25% interest rate to general customers and up to 8.60% rate to senior citizens.

Here is a look at the latest FD interest rates offered by major banks. These also include the highest FD interest rates banks are providing to general customers and senior citizens.

• Latest
• HDFC Bank
• FD interest rate

HDFC Bank has hiked interest rates on select FD tenures. After the revision, senior citizens can get a maximum FD interest rate of 7.20% on fixed deposits for the term from 3 years 1 day to 5 years. General customers can now earn a maximum rate of 6.60% on FD tenures of 3 years and 1 day to 10 years.

The revised FD rates are effective from November 4, 2026, as per the bank's website.

• Latest
• ICICI Bank
• FD interest rates

ICICI Bank now offers FD interest rates from 2.75% to 6.6% on tenures ranging from 7 days to 10 years. To senior citizens, the bank is now offering the highest interest rate of 7.20% on a tenure of 3 years 1 day to 5 years. General customers are getting the highest FD rate of 6.6% on 3 years and 1 day for up to 10 years. The revised rates are applicable from October 23, 2026.

Latest Bank of Baroda FD interest rates

Following the revision, Bank of Baroda is offering a maximum FD interest rate of 6.85% to general customers7.35% to senior citizens and 7.45% to super senior citizens on the 555-day FD, also known as the bob GOlden Goal deposit Scheme (555 days).

Earlier, the bank was offering a 6.75% rate on the same tenure to the general public.

The revised FD rates are applicable from November 12, 2026.

Indian Overseas Bank FD interest rates

IOB has increased the FD interest rate on its special 444-day fixed deposit by 15 basis points (bps), from 6.60% to 6.75% for general customers. The bank offers an additional interest rate of 0.50% to senior citizens.

The highest interest rate offered to senior citizens is 7.25% on 444 days. The revised FD rates of Indian Overseas Bank are effective from November 10, 2026.

Latest Federal Bank FD interest rates

The bank has increased FD interest rates on deposits of 18 months and from two years to less than three years. Senior citizens can now earn up to 7.40% per annum on these two tenures. The revised rates are applicable from November 12, 2026.

• Latest
• Punjab National Bank
• (PNB) FD interest rates

Following the FD rate revision, PNB offers interest rates ranging from 3% to 6.60% to the general public. Senior citizens can earn the highest FD rate of 7.10% on a tenure of 444 days. The revised rates are effective from November 1, 2026.

• Latest
• Canara Bank
• FD interest rates

Canara Bank is offering its highest interest rate on the 555-day special fixed deposit scheme.

Canara Bank has increased the rate on the 555-day tenure from 6.60% to 6.75% for the general public. On the same FD, senior citizens will now earn a 7.25% interest rate, up from the earlier rate of 7.10%. The revised interest rates are applicable from November 2, 2026.

• Latest
• Indian Bank
• FD interest rates

Indian Bank has increased the FD interest rate on its Ind Grow (555 days) FD from 6.65% to 6.80%, the highest among all of its fixed deposits. Senior citizens can now earn a 7.30% rate on the same tenure. The bank has also increased the interest rate on its Ind Prosper (777 days) FD, where general customers can now earn a 6.75% rate, up from 6.60%. Senior citizens can now earn a 7.25% rate on the same tenure.

The new FD rates are effective from October 23, 2026, for deposits below Rs 3 crore.

• Latest
• Kotak Mahindra Bank
• FD interest rates

Kotak Mahindra Bank has increased its fixed deposit interest rates on select tenures. The new rates are effective from November 4, 2026. The bank now offers its highest FD interest rate of 6.80% on a tenure of 2 years to less than 3 years to general customers. For senior citizens, the bank offers an FD rate of 7.55% on the same tenure.

Axis Bank’s latest FD interest rates

Axis Bank has also increased its fixed deposit rates on select tenures. The new rates are effective from October 29, 2026. The bank now offers its highest FD interest rate of 6.60% on a tenure of 2 years to 10 years.

For senior citizens, the bank offers its highest FD interest rate of 7.35% on a tenure of 5 to 10 years.

Latest Utkarsh SFB FD interest rates

Utkarsh Small Finance Bank has increased fixed deposit interest rates on select tenures. The new rates are effective from November 1, 2026.

The bank now offers its highest FD interest rate of 8.10% on a tenure of 666 days to general customers. For senior citizens, the bank offers an FD interest rate of 8.50% on the same tenure.

Latest Suryoday SFB FD interest rates

Suryoday Small Finance Bank has increased its fixed deposit interest rates on select tenures. The new rates are effective from October 30, 2026.

The bank now offers its highest FD interest rate of 8.25% on a tenure of 5 years to general customers. For senior citizens, the small finance bank offers an FD interest rate of 8.60% on the same tenure.

Latest FD interest rates offered by banks in November 2026 Bank Highest FD interest rate for general citizens Highest FD interest rate for senior citizens Tenure offering highest rate HDFC Bank 6.60% 7.20% 3 years 1 day to 10 years (general); 3 years 1 day to 5 years (senior citizens)

• ICICI Bank
• 6.60%
• 7.20%
• 3 years 1 day to 5 years
• Bank of Baroda
• 6.85%
• 7.35%
• 555 days
• Indian Overseas Bank
• 6.75%
• 7.25%
• 444 days
• Federal Bank
• Not specified
• 7.40%

18 months and 2 years to less than 3 years Punjab National Bank 6.60% 7.10% 444 days (senior citizens)

• Canara Bank
• 6.75%
• 7.25%
• 555 days
• Indian Bank
• 6.80%
• 7.30%
• 555 days (Ind Grow)
• Kotak Mahindra Bank
• 6.80%
• 7.55%
• 2 years to less than 3 years
• Axis Bank
• 6.60%
• 7.35%
• 2 years to 10 years (general); 5 to 10 years (senior citizens)
• Utkarsh Small Finance Bank
• 8.10%
• 8.50%
• 666 days
• Suryoday Small Finance Bank
• 8.25%
• 8.60%
• 5 years
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