Interest Rate Tracker

Unity Small Finance Bank raised its top FD rate by 0.25% on 09-Feb-26. The highest rates currently are:

• General: 7.50%     🗓️ 12 months
• Seniors: 8.00%     🗓️ 12 months

Vikalp Verdict: The rate wars are intensifying amongst small finance banks. This move makes Unity now a leader in the 12-month space!

Check out the full rate details and comparison with 50+ banks

Jammu & Kashmir Bank raised its top FD rate by 0.25% on 11-Feb-26. The highest rates currently are:

• General: 7.25%     🗓️ 888 days
• Seniors: 7.75%     🗓️ 888 days

Check out the full rate details and comparison with 50+ banks

Jammu & Kashmir Bank revised its savings interest rate structure effective 11-Feb-26. The latest rate now is:

• Across all balances: 2.55%

Vikalp verdict: The bank changed its rates second time in two months, and there was only a slight drop (of 0.05%) this time.

Check out the full rate details and effective rate comparison with 50+ banks.

Kotak Mahindra Bank changed its FD rates on 11-Feb-26, however, there was no change in its top rate. The highest rates currently are:

• General: 6.70%     🗓️ 15 - 18 months
• Seniors: 7.20%     🗓️ 15 - 18 months

Check out the full rate details and comparison with 50+ banks.

RBL Bank revised its savings interest rate structure effective 11-Feb-26. The latest rates concerning retail depositors now are:

• 0 - ₹1 Lakh: 3.00%
• ₹1 Lakh - ₹5 Lakh: 3.00%
• ₹5 Lakh - ₹10 Lakh: 5.00%
• ₹10 Lakh - ₹7.50 Cr: 6.00%

Verdict: RBL giving 6.00% in a highly competitive slab makes it among the top 10% of all banks!

Check out the full rate details and effective rate comparison with 50+ banks.