FD Rates 2026: Which Indian Banks Are Offering the Highest Interest Returns Right Now?

Banks in India are offering attractive FD rates in 2026, with returns up to 8.25% for senior citizens. From SBI to small finance banks, investors can compare options to maximise safe returns.

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SBI and ICICI Bank FD Rates April 2026

SBI is offering FD interest rates from 3.05% to 6.40% for the general public and 3.55% to 7.05% for senior citizens. The bank gives its highest rate of 6.40% on a two-year FD. 

Meanwhile, ICICI Bank provides rates between 2.75% and 6.5% for regular customers and 3.25% to 7.1% for seniors, for tenures from 7 days to 10 years. These rates are effective from April 8, 2026.

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Axis and HDFC Bank Fixed Deposit Interest Rates April 2026

Axis Bank has set its FD interest rates from 3% to 6.45% for the public and 3.50% to 7.20% for senior citizens, for deposits ranging from 7 days to 10 years. These rates are valid from April 7, 2026. 

On the other hand, HDFC Bank's FD rates are between 2.75% and 6.50% for general customers and 3.25% to 7% for seniors. The bank offers its best rate of 6.50% (general) and 7% (seniors) on a three-year FD, effective from March 6, 2026.

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Yes Bank and PNB Bank Fixed Deposit Interest Rates April 2026

Yes Bank is giving customers FD interest from 3.25% to 7% for the general public and 3.75% to 7.75% for senior citizens. These new rates apply from March 5, 2026. 

Punjab National Bank (PNB) offers rates from 3% to 6.60% for the public and 3.50% to 7.10% for seniors. PNB gives its highest interest of 6.25% (general) and 7.10% (seniors) for a special 444-day tenure, effective from February 24, 2026.

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Bandhan Bank and Suryoday Small Finance Bank

Bandhan Bank provides interest rates from 2.95% to 7.25% for the general public and 3.70% to 7.75% for senior citizens. The bank offers its highest rates of 7.25% and 7.75% on two-year FDs, starting March 5, 2026. 

Suryoday Small Finance Bank is offering even higher returns, from 4% to 8.10% for the public and 4.15% to 8.25% for seniors. You can get their top rates of 8.10% and 8.25% on a 30-month FD, effective from March 29, 2026.