Highest FD interest rates 2025: Fixed Deposits (FDs) continue to be one of the safest and most trusted investment options for Indian savers. With guaranteed returns, flexible tenure, and zero market risk, FDs are preferred by both young investors and retirees. As interest rates change frequently, many people are now comparing which bank—SBI, HDFC, PNB, BoB, or Axis—offers the best FD rates at the end of November 2025.
Here’s a simple breakdown of the latest FD rates to help you choose the best option for your money.
Latest FD Trends in India (November 2025)
Currently, most scheduled banks in India offer FD interest rates between 2.50% and 8.60%. Small finance banks & NBFCs tend to provide the highest returns, while large PSU and private banks such as SBI, HDFC, and Axis offer slightly lower but more secure FD options. FD tenure ranges from 7 days to 10 years, depending on your needs.
SBI FD Interest Rates
State Bank of India (SBI), the country’s largest bank, offers FD rates between 3.05% and 6.60% for regular customers.
- 1-year FD (General): 6.25%
- 1-year FD (Senior Citizens): 6.75%
Senior citizens receive an additional 0.50%, making their maximum interest rate 7.10%.
Bank of Baroda (BoB) FD Rates
Bank of Baroda offers interest rates from 3.50% to 6.60% for regular investors and 4.00% to 7.10% for senior citizens.
On Tax-Saver FDs (5–10 years):
- General: 6.00%–6.40%
- Senior Citizens: 7.00%
HDFC Bank FD Rates
HDFC Bank provides FD interest rates ranging from 2.75% to 6.60% for general customers.
Senior citizens earn between 3.25% and 7.10%.
FDs are available from 7 days to 10 years, making it suitable for both short and long-term savings.
PNB FD Rates
Punjab National Bank offers interest rates from 3.00% to 6.60% for general individuals and 3.50% to 7.10% for senior citizens.
Tax-saving FD rates:
- General: 5.85%–6.25%
- Senior Citizens: 6.35%–6.75%
Axis Bank FD Rates
Axis Bank FD rates are between 3.00% and 6.60% for general customers, while senior citizens can earn up to 7.35%.
For 1-year to 1 year 10 days:
- General: 6.25%
- Senior Citizens: 6.75%
Which Bank Gives the Highest Returns ?
For the highest FD interest rates, small finance banks and NBFCs are the top choices. They offer better returns compared to major banks.
However, if safety and trust are your priorities, bigger banks like SBI, HDFC, Axis, PNB, and BoB remain the most preferred options.
