Bank FD Scheme Update: Fixed Deposits (FDs) remain one of the safest and most trusted investment options in India. If you are planning to invest your hard-earned money with guaranteed returns, several banks are currently offering high FD interest rates — some even close to 9%. Let’s check the latest FD rates of top banks including SBI, Bandhan Bank, SBM Bank, and others.
Table of Contents
🔹 Top 10 Banks Offering Up to 9% Interest on FD (2025)
1. SBM Bank FD Scheme
- Interest Rate for Regular Customers: 8.25%
- Interest Rate for Senior Citizens: 8.75%
- Tenure: 3 years 2 days to less than 5 years
👉 SBM Bank tops the list with nearly 9% FD returns, making it a highly attractive option.
2. Bandhan Bank FD Scheme
- Interest Rate (600 Days FD):
- Regular Customers: 8%
- Senior Citizens: 8.5%
👉 Bandhan Bank’s 600-day scheme is among the most popular for high short-term returns.
3. DCB Bank FD Scheme
- Interest Rate (36 Months FD):
- Regular Customers: 8%
- Senior Citizens: 8.5%
👉 A reliable option for investors seeking medium-term fixed deposits.
4. Deutsche Bank FD Scheme
- Interest Rate (More than 2 years up to 3 years): 7.75% (Same for regular and senior citizens)
👉 Attractive for both categories of investors with a uniform rate.
5. Yes Bank FD Scheme
- Tenure: 18 months to 36 months
- Interest Rate:
- Regular Customers: 7.75%
- Senior Citizens: 8.25%
6. RBL Bank FD Scheme
- Tenure: 24 months to less than 36 months
- Interest Rate:
- Regular Customers: 7.50%
- Senior Citizens: 8%
7. IDFC First Bank FD Scheme
- Tenure: 1 year 1 day to 550 days
- Interest Rate:
- Regular Customers: 7.50%
- Senior Citizens: 8%
8. IndusInd Bank FD Scheme
- Tenure: 2 years 9 months to 3 years 3 months
- Interest Rate:
- Regular Customers: 7.50%
- Senior Citizens: 8%
9. Karur Vysya Bank FD Scheme
- Tenure: 444 days
- Interest Rate:
- Regular Customers: 7.50%
- Senior Citizens: 8%
10. State Bank of India (SBI) FD Scheme
- Tenure: 444 days
- Interest Rate:
- Regular Customers: 7.25%
- Senior Citizens: 7.75%
👉 SBI, India’s largest public sector bank, is also offering competitive rates, though slightly lower than private banks.
📊 Quick Comparison Table of FD Interest Rates (2025)
| Bank Name | Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|---|
| SBM Bank | 3Y 2D – <5Y | 8.25% | 8.75% |
| Bandhan Bank | 600 Days | 8% | 8.5% |
| DCB Bank | 36 Months | 8% | 8.5% |
| Deutsche Bank | >2Y – 3Y | 7.75% | 7.75% |
| Yes Bank | 18M – 36M | 7.75% | 8.25% |
| RBL Bank | 24M – <36M | 7.50% | 8% |
| IDFC First | 1Y 1D – 550 Days | 7.50% | 8% |
| IndusInd Bank | 2Y 9M – 3Y 3M | 7.50% | 8% |
| Karur Vysya | 444 Days | 7.50% | 8% |
| SBI | 444 Days | 7.25% | 7.75% |
🏦 Conclusion
Fixed Deposit schemes remain a safe and guaranteed-return investment option in 2025. While private banks like SBM Bank, Bandhan Bank, and DCB Bank are offering rates close to 9%, public sector giant SBI is also giving competitive returns.
👉 If you want higher returns, senior citizen FDs are the best choice as they provide an extra 0.25% to 0.75% over regular deposits.
✅ Pro Tip: Compare FD rates across banks and choose tenure wisely to maximize your returns.
