Capera

India · 1-year FD

Best 1-year FD rates,
today.

The highest 1-year retail rate today is 8.00%, offered by Manipal Housing Finance. We track 39 banks at this tenor, refreshed daily.

Live · updated Fri, 16 October 2026·See all tenors

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1 year · 365d

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Who picks a 1-year FD

The benchmark tenor. Cross-bank comparisons usually anchor here; most savers default to it. Rates at 1-year see the most competitive pricing across PSBs, private banks, and SFBs.

Full ranking

All 39 banks at 1-year.

39 banks

  1. 01Manipal Housing FinanceHousing Finance Company8.00%
  2. 02Muthoot Capital ServicesNBFC7.65%
  3. 03Unity Small Finance BankSmall Finance Bank7.50%
  4. 04Ujjivan Small Finance BankSmall Finance Bank7.25%
  5. 05Suryoday Small Finance BankSmall Finance Bank7.25%
  6. 06Equitas Small Finance BankSmall Finance Bank7.10%
  7. 07KTDFCNBFC7.00%
  8. 08Sundaram FinanceNBFC6.97%
  9. 09RBL BankPrivate Bank6.90%
  10. 10DCB BankPrivate Bank6.90%
  11. 11ICICI Home FinanceHousing Finance Company6.85%
  12. 12IndusInd BankPrivate Bank6.75%
  13. 13PNB Housing FinanceHousing Finance Company6.70%
  14. 14Sundaram Home FinanceHousing Finance Company6.70%
  15. 15LIC Housing FinanceHousing Finance Company6.70%
  16. 16SBM BankForeign Bank6.70%
  17. 17YES BankPrivate Bank6.65%
  18. 18Shriram FinanceNBFC6.64%
  19. 19Mahindra FinanceNBFC6.60%
  20. 20Federal BankPrivate Bank6.55%
  21. 21Bank of IndiaPublic Sector Bank6.50%
  22. 22IDFC First BankPrivate Bank6.50%
  23. 23AU Small Finance BankSmall Finance Bank6.35%
  24. 24Kotak Mahindra BankPrivate Bank6.35%
  25. 25Punjab National BankPublic Sector Bank6.30%
  26. 26State Bank of IndiaPublic Sector Bank6.25%
  27. 27Axis BankPrivate Bank6.25%
  28. 28HDFC BankPrivate Bank6.25%
  29. 29ICICI BankPrivate Bank6.25%
  30. 30Canara BankPublic Sector Bank6.25%
  31. 31Bank of BarodaPublic Sector Bank6.25%
  32. 32Slice Small Finance BankSmall Finance Bank6.25%
  33. 33Indian BankPublic Sector Bank6.20%
  34. 34Union Bank of IndiaPublic Sector Bank6.20%
  35. 35Bank of MaharashtraPublic Sector Bank6.15%
  36. 36Central Bank of IndiaPublic Sector Bank6.10%
  37. 37Utkarsh Small Finance BankSmall Finance Bank6.00%
  38. 38ESAF Small Finance BankSmall Finance Bank6.00%
  39. 39Shivalik Small Finance BankSmall Finance Bank6.00%

Deposit ladder

What different amounts earn over 1-year

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 8.00%; deposits at or above it use the bulk card at 8.00%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹4,122₹54,122retail · 8.00%
₹1,00,0001 lakh₹8,243₹1,08,243retail · 8.00%
₹2,00,0002 lakh₹16,486₹2,16,486retail · 8.00%
₹5,00,0005 lakh₹41,216₹5,41,216retail · 8.00%
₹10,00,00010 lakh₹82,432₹10,82,432retail · 8.00%
₹20,00,00020 lakh₹1,64,864₹21,64,864retail · 8.00%
₹50,00,00050 lakh₹4,12,161₹54,12,161retail · 8.00%
₹1,00,00,0001 crore₹8,24,322₹1,08,24,322retail · 8.00%
₹2,50,00,0002.5 crore₹20,60,804₹2,70,60,804retail · 8.00%
₹5,00,00,0005 crore₹41,21,608₹5,41,21,608bulk · 8.00%
₹10,00,00,00010 crore₹82,43,216₹10,82,43,216bulk · 8.00%

Compounded quarterly, pre-tax. Deposits at or above ₹3 crore are quoted off a separate bulk rate card, see bulk-deposit rates →

Common questions

About 1-year FDs.

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