Fixed Deposit (FD) Rates for January 2026

Base rate

Senior Citizen (60 yr+)

Super Senior Citizen (80 yr+)

Rank	Bank Name	Base Rate	Term	Bank Type	Effective
1	Slice Small Finance	7.75%	~ 18 months	Small Finance	17-Sep-25
2	ESAF Small Finance	7.60%	444 days ~1.2 years	Small Finance	18-Jun-25
3	Utkarsh Small Finance	7.50%	2 - 3 years	Small Finance	01-Dec-25
4	Shivalik Bank	7.50%	~ 21 - 22 months	Small Finance	01-Jan-26
5	Suryoday Small Finance	7.50%	18 months	Small Finance	03-Dec-25
6	Ujjivan Small Finance	7.45%	24 months	Small Finance	05-Aug-25
7	Jana Small Finance	7.25%	1 - 2 years	Small Finance	10-Jan-26
8	Unity Small Finance	7.25%	12 months	Small Finance	20-Jan-26
9	Shriram Finance	7.25%	15 months	NBFC	05-Aug-25
10	Bandhan Bank	7.20%	2 - 3 years	Private	01-Sep-25
11	RBL Bank (Ratnakar)	7.20%	18 - 36 months	Private	24-Sep-25
12	Capital Small Finance	7.15%	600 days ~1.6 years	Small Finance	30-Dec-25
13	Equitas Small Finance	7.10%	444 days ~1.2 years	Small Finance	03-Nov-25
14	Tamilnad Merc. Bank	7.10%	456 days ~1.2 years	Private	08-Jan-26
15	IDFC First Bank	7.00%	450d - 2y	Private	04-Nov-25
16	Post Office	7.00%	2 years	Post Office	01-Jan-25
17	DCB Bank	7.00%	15 - 16 months	Private	16-Jan-26
18	Sundaram Finance	7.00%	24 months	NBFC	01-Jul-25
19	City Union Bank	7.00%	500 days ~1.4 years	Private	14-Jan-26
20	Deutsche Bank	7.00%	1 - 1.5 years	Foreign	25-Jul-25
21	Catholic Syrian Bank	7.00%	13 months	Private	10-Sep-25
22	IndusInd Bank	7.00%	1y 6m - 1y 7m	Private	25-Sep-25
23	Mahindra Finance	7.00%	24 months	NBFC	25-Jun-25
24	Yes Bank	7.00%	~ 18 - 24 months	Private	01-Dec-25
25	Dhanlaxmi Bank	6.95%	370 days ~1 year	Private	28-Nov-25
26	Bajaj Finserv	6.95%	24 - 60 months	NBFC	11-Jun-25
27	AU Small Finance	6.90%	~ 12 - 15 months	Small Finance	12-Jan-26
28	Doha Bank	6.85%	13 - 18 months	Foreign	14-Oct-25
29	ICICI Home Finance	6.85%	24 - 36 months	NBFC	01-Sep-25
30	Karur Vysya Bank	6.80%	400 days ~1.1 years	Private	26-Sep-25
31	LIC Housing Finance	6.80%	2 years	NBFC	19-Jun-25
32	J&K Bank	6.75%	2y - 887d	Private	11-Jan-26
33	PNB Housing Finance	6.75%	24 - 35 months	NBFC	01-Jan-26
34	Kotak Bank	6.70%	15 - 18 months	Private	14-Jan-26
35	Karnataka Bank	6.65%	555 days ~1.5 years	Private	01-Aug-25
36	Bank of Maharashtra	6.65%	400 days ~1.1 years	Public	08-Jan-26
37	Nainital Bank	6.60%	18m - 2y	Private	11-Dec-25
38	Punjab & Sind Bank	6.60%	444 days ~1.2 years	Public	15-Dec-25
39	South Indian Bank	6.60%	2 years	Private	14-Jan-26
40	Indian Overseas Bank	6.60%	444 days ~1.2 years	Public	15-Dec-25
41	DBS Bank	6.60%	376 - 540 days	Foreign	14-Nov-25
42	Standard Chartered	6.60%	1y - 376d	Foreign	22-Dec-25
43	Federal Bank	6.60%	15 months	Private	01-Jan-26
44	IDBI Bank	6.50%	700 days ~1.9 years	Private	18-Dec-25
45	UCO Bank	6.45%	444 days ~1.2 years	Public	11-Dec-25
46	State Bank of India	6.45%	444 days ~1.2 years	Public	15-Dec-25
47	Axis Bank	6.45%	15 - 18 months	Private	23-Dec-25
48	Bank of India	6.45%	450 days ~1.2 years	Public	04-Aug-25
49	Indian Bank	6.45%	444 days ~1.2 years	Public	01-Jan-26
50	HDFC Bank	6.45%	18 - 21 months	Private	17-Dec-25
51	Bank of Baroda	6.45%	444 days ~1.2 years	Public	05-Jan-26
52	Punjab National Bank	6.40%	390 days ~1.1 years	Public	01-Jan-26
53	Central Bank of India	6.30%	444 days ~1.2 years	Public	10-Dec-25
54	ICICI Bank	6.30%	18m - 2y	Private	30-Dec-25
55	Union Bank of India	6.30%	400 days ~1.1 years	Public	05-Dec-25
56	Canara Bank	6.15%	555 days ~1.5 years	Public	08-Dec-25
57	HSBC Bank	5.50%	601 - 699 days	Foreign	17-Jul-25
58	Barclays Bank	5.22%	2 - 3 years	Foreign	25-Nov-25

1.Source: Official bank websites.
2.Rates displayed are for retail callable deposits less than ₹ 3cr, unless otherwise specified on the details page of the banks.

Best FD Rates for Jan 2026

Bank Type

Show the best rate for:

Base rate

Senior Citizen (60 yr+)

Super Senior Citizen (80 yr+)