5 Banks Raise FD Interest Rates Fixed Deposit (FD) is among the safest and most reliable investment products in India. For millions of households, returns are not just about it—it’s all about having peace of mind. When you fix a certain amount for a fixed period, you receive a pre-agreed interest rate. That means, no shocks—just guaranteed earnings.
If you’re the type of person who likes zero-risk investments with guaranteed returns, then FD is the right option for you.
Why Fixed Deposit is Still a Smart Move in 2025
Over the last few months, many banks have revised their FD rates, and now they are more lucrative than ever. While top banks such as SBI provide about 7% returns, some small finance banks are providing up to 9% Fixed Deposit Interest Rates.
Therefore, if you’re going to invest your hard-earned money, then you must have an idea where you’ll be getting the best return and what to keep in consideration before you proceed.
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Top Banks Offering the Highest FD Interest Rates in 2025
Here are the latest FD interest rates from some banks that are offering high returns in 2025:
Ujjivan Small Finance Bank:
Offers up to 8.25% interest for a 12-month FD, and 7.50% for 9-months.
Utkarsh Small Finance Bank:
Competitive interest rates across short and medium-term deposits.
Unity Small Finance Bank:
Currently offers up to 9% interest on select tenures—among the highest in the market.
Bank of India:
Interest rates range between 4.50% to 7.25%, depending on the FD period.
State Bank of India (SBI):
Offers a maximum FD interest rate of 7.25% for a 444-day tenure.