Money & Banking
FD Rates — Compare yields, then click through to open.
We compute maturity with quarterly compounding and sort by best yield for your tenure. Update the dataset below quarterly; always confirm on provider sites.
Disclosure: We may earn a commission if you open via our links. Picks remain criteria-driven.
Quick calc
FYI: DICGC insurance covers bank deposits up to ₹5 lakh per depositor per bank.
Top FD Yields for 12 months
Top picks
All results (sorted by maturity value)
| Provider | Type | Tenure | Rate | Compounding | Maturity (₹) | Effective APR |
|---|
Compounding assumed quarterly. Indicative rates; verify on provider sites.
FD basics
- Senior citizen rates are usually +0.25–0.75% p.a.
- NBFC FDs can offer higher rates but no DICGC cover; check credit rating & company health.
- Tax-saver FD: 5-year lock-in; interest taxable; no premature closure except specified cases.
Safety & taxes
- DICGC covers banks up to ₹5 lakh (principal + interest) per depositor per bank.
- Interest is taxable per slab; banks/NBFCs may deduct TDS above thresholds.
- NRE FDs: interest generally tax-free in India (check residency/status rules).
