Even as the Reserve Bank of India (RBI) decided to keep the repo rate unchanged at 5.25% last week, leading banks such as SBI, PNB, Bank of Baroda, HDFC Bank and ICICI Bank have been offering attractive interest rates to general and senior citizens on their respective FDs. Have a look at the highest fixed deposit interest rates offered by these major banks across different tenures.
State Bank of India (SBI) highest FD interest rates
SBI offers FD interest rates from 3.05% to 6.45% (including Amrit Vrishti) to general citizens and 3.55% to 6.90% (including Amrit Vrishti) to senior citizens. The rates are effective from December 15, 2025.
HDFC Bank highest FD interest rates
HDFC Bank offers FD interest rates in the range of 2.75% and 6.50% to general citizens and 3.25% and 7% to senior citizens. The bank offers both these interest rates on a tenure of 3 years and 1 day to less than 4 Years and 7 Months. The revised rates are effective from March 6, 2026.
ICICI Bank highest FD interest rates
ICICI Bank offers FD interest rates from 2.75% to 6.50% to general citizens and 3.25% to 7.1% to senior citizens. The highest FD interest rates are being offered on tenures of 3 years 1 day to 5 years. The rates are effective from June 9, 2026.
Punjab National Bank highest FD interest rates
Punjab National Bank offers FD interest rates in the range of 3% and 6.60% to general citizens and 3.50% and 7.10% to senior citizens. The highest FD interest rates of 6.6% (to general citizens) and 7.10% (to senior citizens) are being offered on a tenure of 444 days.
Bank of Baroda highest FD interest rates
Bank of Baroda offers FD interest rate between 3.50% and 6.45% (including in the bob Square Drive Deposit Scheme) to general citizens and 4% and 6.95% to senior citizens. Both highest FD interest rates are being offered on a tenure of 444 days. These rates are effective from May 16, 2026.
FD interest rate range offered by top banks
| Bank | General Citizens | Senior Citizens |
| SBI | 3.05% – 6.45% | 3.55% – 6.90% |
| HDFC Bank | 2.75% – 6.50% | 3.25% – 7.00% |
| ICICI Bank | 2.75% – 6.50% | 3.25% – 7.10% |
| PNB | 3.00% – 6.60% | 3.50% – 7.10% |
| Bank of Baroda | 3.50% – 6.45% | 4.00% – 6.95% |
Data: From respective banks as on June 9
