Best fixed deposit rates
in India
The highest 1-year FD rate today is 8.25%, offered by Manipal Housing Finance. We compare 39 banks every day across SCBs, Small Finance Banks, and NBFCs.
Top rate
8.25%
Manipal Housing Finance · 1-year
PSU average
6.24%
9 public sector banks
SFB average
6.49%
9 small finance banks
Banks tracked
39
PSU · Pvt · SFB · NBFC · HFC
The leaderboard
39 / 39
- 01
Manipal Housing Finance
Housing Finance Company
8.25%— - 02
Muthoot Capital Services
NBFC
7.65%— - 03
Unity Small Finance Bank
Small Finance Bank
7.50%— - 04
Ujjivan Small Finance Bank
Small Finance Bank
7.25%— - 05
Suryoday Small Finance Bank
Small Finance Bank
7.25%— - 06
Equitas Small Finance Bank
Small Finance Bank
7.10%— - 07K
KTDFC
NBFC
7.00%— - 08
RBL Bank
Private Bank
7.00%— - 09
Sundaram Finance
NBFC
6.97%— - 10
DCB Bank
Private Bank
6.90%— - 11
PNB Housing Finance
Housing Finance Company
6.85%— - 12
Shriram Finance
NBFC
6.79%— - 13
IndusInd Bank
Private Bank
6.75%— - 14
ICICI Home Finance
Housing Finance Company
6.75%— - 15
Sundaram Home Finance
Housing Finance Company
6.70%— - 16
LIC Housing Finance
Housing Finance Company
6.70%— - 17
SBM Bank
Foreign Bank
6.70%— - 18
YES Bank
Private Bank
6.65%— - 19
Mahindra Finance
NBFC
6.60%— - 20
Bank of India
Public Sector Bank
6.50%— - 21
IDFC First Bank
Private Bank
6.50%— - 22
Kotak Mahindra Bank
Private Bank
6.50%— - 23
Federal Bank
Private Bank
6.40%— - 24
AU Small Finance Bank
Small Finance Bank
6.35%— - 25
Punjab National Bank
Public Sector Bank
6.30%— - 26
State Bank of India
Public Sector Bank
6.25%— - 27
Axis Bank
Private Bank
6.25%— - 28
HDFC Bank
Private Bank
6.25%— - 29
ICICI Bank
Private Bank
6.25%— - 30
Canara Bank
Public Sector Bank
6.25%— - 31
Bank of Baroda
Public Sector Bank
6.25%— - 32
Slice Small Finance Bank
Small Finance Bank
6.25%— - 33
Indian Bank
Public Sector Bank
6.20%— - 34
Union Bank of India
Public Sector Bank
6.20%— - 35
Bank of Maharashtra
Public Sector Bank
6.15%— - 36
Central Bank of India
Public Sector Bank
6.10%— - 37
Utkarsh Small Finance Bank
Small Finance Bank
6.00%— - 38
Shivalik Small Finance Bank
Small Finance Bank
6.00%— - 39
ESAF Small Finance Bank
Small Finance Bank
4.75%—
Top rates today are spread across categories. The leading NBFC, Muthoot Capital Services, offers 7.65%.
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Distribution
How rates spread across the market
Each dot is one bank. Small Finance Banks and NBFCs cluster at the top of the range, PSU and private banks toward the bottom.
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Repo → EBLR → FD
Follow the rate stack from the RBI policy rate through bank lending into deposit yields.
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G-Sec curve from 3 months to 40 years, plus 1M / 6M / 12M lookback.
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Global sovereign yields
10-year benchmarks across India, US, UK, Japan, and Germany.
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Bulk FD rack rates
Published rack rates on deposits above ₹3 crore, where bulk pricing often differs from retail FD.
Higher-yield alternative
Bonds you can buy right now
An FD is safe and fixed. These are bonds India's platforms are selling today, led by AAA and AA names for the safety you came for, with a couple of higher-yield options (the shelf runs up to 15.00%). We don't sell bonds; we show you everyone's price.
RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
AAAYield
8.25%
RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
AAA (SO)Yield
8.20%
RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
AAYield
11.64%RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
AA-(SO)Yield
11.50%
RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
BBBYield
15.00%
RatingGrade assigned at the time of issue. A rating can migrate after issuance, so the issuer's latest agency rating may differ. Live surveillance ratings are coming soon.
BBBYield
15.00%
For treasurers
For deposits above ₹3 crore, the leaderboard looks different.
Capera continuously observes FD rates, G-Sec yields, and bond prices across the entire Indian market — and moves your idle cash to the highest yield available, automatically.
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Capera is editorially independent. We may earn from the platforms and institutions we list, but a commercial arrangement never changes the price or yield we show you.