Grow Your Savings
With Guaranteed Returns
Compare Fixed Deposit rates from 30+ banks and NBFCs. Earn up to 8.5% p.a. with flexible tenures and safe, predictable returns.
Fixed Deposit at a Glance
A Safe Home for Your Savings
Guaranteed returns, zero market risk, and the flexibility to match your financial goals.
Guaranteed Returns
Interest rate is locked in at booking — completely unaffected by market fluctuations.
Higher Senior Citizen Rates
Additional 0.25%–0.50% p.a. on top of standard rates for senior citizens.
Flexible Tenure
Choose from 7 days to 10 years — align maturity with your specific financial goal.
Capital Protection
Deposits are insured up to ₹5 Lakhs per depositor per bank under DICGC.
FD Interest Rates by Tenure
Partner bank & NBFC rates — general public, per annum.
| Tenure | General Public | Senior Citizen |
|---|---|---|
| 7 – 45 Days | 3.50% | 4.00% |
| 46 Days – 6 Months | 5.00% | 5.50% |
| 6 Months – 1 Year | 6.25% | 6.75% |
| 1 – 2 Years | 7.10% | 7.60% |
| 2 – 3 Years | 7.25% | 7.75% |
| 3 – 5 Years | 7.50% | 8.00% |
| 5 – 10 Years | 8.00% | 8.50% |
Fixed Deposit Questions
Most banks and NBFCs allow you to open an FD with as little as ₹10,000, though some digital/NBFC schemes accept deposits from ₹5,000. Higher deposits may unlock better rates with select partners.
Bank FDs are insured up to ₹5 Lakhs per depositor per bank under the DICGC. NBFC FDs carry credit ratings (e.g. CRISIL, ICRA) — we only list partners with strong investment-grade ratings.
Yes, premature withdrawal is generally allowed but attracts a penalty (typically 0.5%–1% reduction in applicable interest rate). Some tax-saver FDs have a mandatory 5-year lock-in with no premature withdrawal.
Interest earned on FDs is fully taxable as per your income tax slab. Banks deduct TDS if interest income exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year. Submit Form 15G/15H if applicable to avoid TDS.
Cumulative FDs reinvest interest and pay out the full amount (principal + compounded interest) at maturity — ideal for wealth building. Non-cumulative FDs pay interest at regular intervals (monthly/quarterly) — ideal for regular income needs.
Ready to Grow Your Savings?
Our team will match you with the best FD rate from our partner banks & NBFCs within 24 hours.