🏦 FD Interest Rates — Top Indian Banks (2026)
| Bank | 1 Year | 2 Years | 3 Years | 5 Years | Senior Citizen Bonus |
|---|---|---|---|---|---|
| SBI | 6.80% | 7.00% | 6.75% | 6.50% | +0.50% |
| HDFC Bank | 6.60% | 7.00% | 7.00% | 7.00% | +0.50% |
| ICICI Bank | 6.70% | 7.00% | 7.00% | 7.00% | +0.50% |
| Axis Bank | 6.70% | 7.10% | 7.10% | 7.00% | +0.75% |
| Kotak Bank | 7.10% | 7.10% | 7.10% | 6.20% | +0.50% |
| Post Office FD | 6.90% | 7.00% | 7.10% | 7.50% | — |
* Rates are indicative. Verify with bank before investing.
FD Calculator — Fixed Deposit Returns for Indian Banks
Our free FD calculator helps you calculate the exact maturity amount and interest earned on your Fixed Deposit investment. Compare returns for different tenures and interest rates before choosing the right FD.
How FD compound interest works
Most bank FDs in India compound interest quarterly. This means interest is calculated and added to your principal every 3 months. The effective annual yield is slightly higher than the stated rate because of quarterly compounding.
FD vs Savings Account — which is better?
FD rates are typically 4-5% higher than savings account rates. For money you do not need for 1-5 years, FD gives significantly better returns. However savings accounts offer instant liquidity while FDs have a lock-in period with penalty for early withdrawal.