Highest Paying FDs

The Top Fixed Deposits

Ranked by highest interest rate, tenure flexibility, and DICGC deposit insurance safety.

Methodology

The best rate across every tenure

Each FD is ranked by the single best general-public rate it offers across every tenure it publishes — not just its headline 1-year rate — since the top payout is often only available at a specific special tenure.

DICGC insures deposits up to ₹5 lakh per depositor, per bank — this covers scheduled banks and small finance banks, but not NBFC deposits, which carry a credit rating instead of deposit insurance.

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Highest paying fixed deposit rates in India

Rates for the same fixed deposit tenure can differ by a full percentage point or more between lenders, and small finance banks often sit at the top of the range. This list ranks deposits by interest rate so you can see where your money would earn the most.

A higher rate usually comes with a trade-off to weigh: deposit insurance covers each depositor up to a fixed limit per bank, so spreading a large amount across institutions can reduce risk. Also check whether the top rate applies only to a specific tenure or to senior citizens.

The ranked list, in plain text

  1. Unity Small Finance Bank Fixed Deposit: 9% p.a. for 1001 Days · senior citizens 9.5% · DICGC insured. Unity Small Finance Bank offers some of the highest fixed deposit interest rates in the country, featuring special short and mid-term tenures with exceptional yields up to 9.50% for senior citizens.
  2. North East Small Finance Bank Fixed Deposit (Slice Small Finance Bank): 9% p.a. for 1111 Days · senior citizens 9.5% · DICGC insured. North East Small Finance Bank offers premium interest rates on fixed deposits to promote savings in the northeastern region with a special focus on high-yield short to mid-term tenures.
  3. Shivalik Small Finance Bank Fixed Deposit: 8.3% p.a. for 18 months to 24 months · senior citizens 8.8% · DICGC insured. Shivalik Small Finance Bank offers highly competitive fixed deposit rates with exceptional returns for mid-term tenures, including top yields of 8.30% for general customers.
  4. Ujjivan Small Finance Bank Fixed Deposit: 8.25% p.a. for 12 Months · senior citizens 8.75% · DICGC insured. Ujjivan Small Finance Bank offers highly attractive fixed deposit schemes with excellent returns for various tenures, maximizing wealth creation for regular and senior citizens.
  5. Utkarsh Small Finance Bank Fixed Deposit: 8.1% p.a. for 666 Days · senior citizens 8.25% · DICGC insured. Utkarsh Small Finance Bank offers highly competitive fixed deposit schemes with attractive yields on special tenures including the 666 Days scheme.
  6. Suryoday Small Finance Bank Fixed Deposit: 8.1% p.a. for 30 months · senior citizens 8.25% · DICGC insured. Suryoday Small Finance Bank offers highly competitive fixed deposit schemes with excellent returns for both short and long tenures, including top yields up to 8.10% for general customers.
  7. Equitas Small Finance Bank Fixed Deposit (Equitas Bank): 8% p.a. for 3 years 1 day (Maxima FD) · senior citizens 8.5% · DICGC insured. Equitas Small Finance Bank offers rewarding fixed deposit interest rates with high yields up to 8.00% for regular customers and 8.50% for senior citizens, along with special schemes like Maxima FD.
  8. Jana Small Finance Bank Fixed Deposit: 8% p.a. for Above 2 years to 3 years · senior citizens 8.3% · DICGC insured. Jana Small Finance Bank offers highly competitive fixed deposit rates with exceptional returns for both short and long tenures including top yields of 8.00% for regular citizens.
  9. ESAF Small Finance Bank Fixed Deposit: 7.75% p.a. for 2 years to less than 3 years · senior citizens 8.25% · DICGC insured. ESAF Small Finance Bank offers highly rewarding fixed deposit schemes with excellent yields on 501 days and 2-to-3-year tenures.
  10. Central Bank of India Fixed Deposit: 7.5% p.a. for 1111 Days · senior citizens 8% · DICGC insured. Central Bank of India offers attractive fixed deposit schemes with flexible tenures and special schemes like Cent Garima 777 Days and Cent Green 1111 Days.

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