Small finance banks and digital-first accounts that pay meaningfully more than the 2.5-3.5% most large banks offer — shown at the rate realistically attainable, not just the marketing ceiling.
The Top 10
The realistic rate, not the marketing ceiling
Several accounts here publish tiered rates by balance slab — a headline "up to 8%" is often only reachable on balances far larger than an ordinary saver holds. Where the exact slab breakpoints were disclosed, the rate shown is what applies at a realistic balance (roughly ₹1-10L), not the ceiling.
Where a bank's own published tiers weren't fully broken out in this data, that's said plainly in the entry rather than presenting an unverifiable number as a guarantee — check the exact slab on the bank's own rate page before assuming it applies to your balance.
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