North India Statesman
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Be it the bonus money received during festivals or the savings of years of hard work… whenever we have a little extra money, the first question that comes to our mind is – “Where to invest it, where it remains safe and also keeps growing?”
And the oldest, most reliable and most direct answer to this question is – Fixed Deposit (FD),
This is the most ‘tension-free’ way to increase your hard-earned money. But there is confusion that in which bank to get FD? SBI, HDFC, or someone else? Who is paying the highest interest?
So, let us ease your problem and tell you about the latest FD interest rates of the 10 largest banks of the country.
FD rates of top 10 banks of the country (October 2025)
Here, different rates are given for general citizens and senior citizens. Remember, senior citizens always get around 0.50% more interest.
| bank name | Interest rates for general customers | Interest rates for senior citizens |
| 1. State Bank of India (SBI) | 3.00% – 7.10% | 3.50% – 7.60% |
| 2. HDFC Bank | 3.00% – 7.25% | 3.50% – 7.75% |
| 3. ICICI Bank | 3.00% – 7.10% | 3.50% – 7.60% |
| 4. Punjab National Bank (PNB) | 3.50% – 7.25% | 4.00% – 7.75% |
| 5. Bank of Baroda (BOB) | 3.00% – 7.05% | 3.50% – 7.55% |
| 6. Canara Bank | 4.00% – 7.25% | 4.00% – 7.75% |
| 7. Axis Bank | 3.50% – 7.10% | 3.50% – 7.85% |
| 8. Kotak Mahindra Bank | 2.75% – 7.20% | 3.25% – 7.70% |
| 9. IDBI Bank | 3.00% – 6.75% | 3.50% – 7.25% |
| 10. RBL Bank | 3.50% – 7.80% | 4.00% – 8.30% |
(Note: These rates are for different tenures.)
So who is winning?
Looking at this list it is clear that at present in private banks RBL Bank For senior citizens 8.30% It is offering an excellent interest rate of up to Rs. 1000, which is no less than a great gift! There itself, Axis, HDFC, and PNB are also offering attractive rates above 7.75%.
Then what should we do? Where to invest money?
- If you want the highest returns, you can choose a private bank like RBL.
- And if you want to invest money only on ‘trust’, then government banks like SBI and PNB are also offering good interest up to 7.60%.
An important thing, which should be tied in a knot
Before depositing money, always visit the official website of the concerned bank or call the branch. Make sure to confirm the latest interest ratebecause these rates keep changing.
