Fixed deposits or FDs are secure financial instruments, which offer guaranteed returns. FD interest rates vary according to the tenure of the fixed deposit and across banks. Currently, banks offer a variety of maturity periods for retail fixed deposits, starting from seven days.
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Lenders revise the interest rates applicable to fixed deposits from time to time. Recently, State Bank of India (SBI), for example, revised its interest rates applicable to FDs last on September 10.
Given below is a comparison of interest rates paid by SBI, HDFC Bank and ICICI Bank on fixed deposits (FDs) up to Rs 2 crore:
SBI Fixed Deposit Rates
SBI offers the following FD interest rates on deposits below Rs 2 crore:
| Tenors | Rates For Public | Rates for Senior Citizens |
| 7 days to 45 days | 2.9 | 3.4 |
| 46 days to 179 days | 3.9 | 4.4 |
| 180 days to 210 days | 4.4 | 4.9 |
| 211 days to less than 1 year | 4.4 | 4.9 |
| 1 year to less than 2 year | 4.9 | 5.4 |
| 2 years to less than 3 years | 5.1 | 5.6 |
| 3 years to less than 5 years | 5.3 | 5.8 |
| 5 years and up to 10 years | 5.4 | 6.2 |
HDFC Bank Fixed Deposit Rates
HDFC Bank offers the following FD interest rates on deposits below Rs 2 crore:
| Tenors | Rates for public | Rates for senior citizens |
| 7 - 14 days | 2.50% | 3.00% |
| 15 - 29 days | 2.50% | 3.00% |
| 30 - 45 days | 3.00% | 3.50% |
| 46 - 60 days | 3.00% | 3.50% |
| 61 - 90 days | 3.00% | 3.50% |
| 91 days - 6 months | 3.50% | 4.00% |
| 6 mnths 1 days - 9 mnths | 4.40% | 4.90% |
| 9 mnths 1 day < 1 Year | 4.40% | 4.90% |
| 1 Year | 5.10% | 5.60% |
| 1 year 1 day - 2 years | 5.10% | 5.60% |
| 2 years 1 day - 3 years | 5.15% | 5.65% |
| 3 year 1 day- 5 years | 5.30% | 5.80% |
| 5 years 1 day - 10 years | 5.50% | 6.25%* |
ICICI Bank Fixed Deposit Rates
ICICI Bank offers the following FD interest rates on deposits below Rs 2 crore:
| Tenore | Rates for public | Rates for senior citizens |
| 7 days to 14 days | 2.50% | 3.00% |
| 15 days to 29 days | 2.50% | 3.00% |
| 30 days to 45 days | 3.00% | 3.50% |
| 46 days to 60 days | 3.00% | 3.50% |
| 61 days to 90 days | 3.00% | 3.50% |
| 91 days to 120 days | 3.50% | 4.00% |
| 121 days to 184 days | 3.50% | 4.00% |
| 185 days to 210 days | 4.40% | 4.90% |
| 211 days to 270 days | 4.40% | 4.90% |
| 271 days to 289 days | 4.40% | 4.90% |
| 290 days to less than 1 year | 4.40% | 4.90% |
| 1 year to 389 days | 5.00% | 5.50% |
| 390 days to < 18 months | 5.00% | 5.50% |
| 18 months to 2 years | 5.10% | 5.60% |
| 2 years 1 day to 3 years | 5.15% | 5.65% |
| 3 years 1 day to 5 years | 5.35% | 5.85% |
| 5 years 1 day to 10 years | 5.50% | 6.30% |
| 5 Years (80C FD) – Max to ₹ 1.50 lac | 5.35% | 5.85% |
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