Fixed deposits (FDs) remain a popular investment option for people seeking predictable returns. However, interest rates vary across banks and deposit tenures, making it important to compare the available options before investing.
With several banks revising their FD rates in recent weeks, where can investors get the highest returns in November 2026? Here is a comparison of FD interest rates across 15 banks.
The rates are for general customers and are based on the respective banks’ websites as of November 11, 2026. Interest rates may vary depending on the deposit tenure, amount and withdrawal conditions.
State Bank of India FD Rates
State Bank of India (SBI) is offering a maximum FD interest rate of 6.45% per annum on its 444-day Amrit Vrishti deposit scheme. The bank offers 6.25% on one-year deposits, 6.40% on deposits of two years to less than three years and 6.30% on deposits of three years to less than five years. Deposits with tenures of five years to 10 years carry an interest rate of 6.05%.
HDFC Bank FD Rates
HDFC Bank revised its retail domestic FD interest rates with effect from November 4, 2026. The bank is offering a maximum interest rate of 6.60% per annum to general customers on deposits with tenures ranging from three years and one day to 10 years.
The bank offers 6.25% on one-year deposits, 6.55% on deposits of two years and one day to three years, and 6.60% on deposits of three years and one day to four years and seven months. These rates apply to deposits below ₹3 crore.
ICICI Bank FD Rates
ICICI Bank’s FD interest rates depend on the deposit tenure and whether the depositor opts for a premature withdrawal facility. General customers can earn up to 6.50% per annum on deposits with premature withdrawal facilities. For deposits without this facility, the maximum rate is 6.55% on select tenures.
Depositors should check the applicable rate and withdrawal conditions before booking an FD, as non-withdrawable deposits have different terms.
Axis Bank FD Rates
Axis Bank revised its FD interest rates on select tenures with effect from October 29, 2026. The bank is offering a maximum interest rate of 6.60% per annum to general customers on deposits with tenures ranging from two years to 10 years.
Punjab National Bank FD Rates
Punjab National Bank (PNB) revised its domestic retail term deposit rates with effect from November 5, 2026. Following the revision, general customers can earn a maximum interest rate of 6.80% per annum on a 680-day deposit.
The bank is offering 6.70% on its 444-day deposit. Its one-year deposit rate is 6.25%, while deposits with tenures of more than two years to three years offer 6.30%. Deposits with tenures of more than three years to 1,203 days carry a rate of 6.35%.
Kotak Mahindra Bank FD Rates
Kotak Mahindra Bank revised its FD interest rates on select tenures with effect from November 4, 2026. The bank is offering a maximum interest rate of 6.80% per annum to general customers on deposits with tenures ranging from two years to less than three years.
Bank of Baroda FD Rates
Bank of Baroda is offering a maximum interest rate of 6.75% per annum on its 555-day BoB Golden Goal Deposit Scheme. The bank offers 6.25% on one-year and three-year deposits, 6.30% on five-year deposits and 6% on 10-year deposits.
Canara Bank FD Rates
Canara Bank is offering a maximum FD interest rate of 6.75% per annum on its 555-day deposit. The bank offers 6.40% on one-year deposits and 6.25% on three-year, five-year and 10-year deposits.
Bank of India FD Rates
Bank of India introduced the BOI Akshay Fixed Deposit, a limited-period scheme offering 6.85% per annum to general customers on deposits below ₹3 crore. The special deposit has a tenure of 500 days.
For regular deposits, the bank offers 6.60% on one-year deposits and 6.70% on deposits with tenures of more than one year to less than three years. Deposits with tenures above three years but below five years carry a rate of 6.25%, while deposits of five years to 10 years offer 6%.
Indian Bank FD Rates
Indian Bank revised interest rates on select retail term deposits with effect from October 23, 2026. General customers can earn 6.80% per annum on the IND Grow 555-day deposit and 6.75% on the IND Prosper 777-day deposit.
The bank offers 6.10% on one-year deposits, 6.15% on deposits of two years to less than three years, and 6.05% on deposits of three years to less than five years. Five-year deposits and those with tenures above five years carry a rate of 6%.
DCB Bank FD Rates
DCB Bank is offering a maximum interest rate of 7.50% per annum on deposits with tenures ranging from 60 months to 61 months. The bank offers 6.90% on one-year deposits, 7% on three-year deposits and 7.50% on five-year deposits.
Bandhan Bank FD Rates
Bandhan Bank is offering a maximum FD interest rate of 7.45% per annum on deposits with tenures ranging from two years to less than three years. The bank offers 7% on one-year deposits and 7.25% on three-year deposits. Five-year and 10-year deposits carry rates of 5.85%.
Suryoday Small Finance Bank FD Rates
Suryoday Small Finance Bank revised its FD interest rates with effect from October 30, 2026. General customers can earn a maximum interest rate of 8.25% per annum on a five-year deposit.
The bank offers 7.25% on one-year and three-year deposits. Its five-year rate is 8.25%, while 10-year deposits carry a rate of 7.25%.
Ujjivan Small Finance Bank FD Rates
Ujjivan Small Finance Bank is offering a maximum interest rate of 8.10% per annum on deposits with tenures ranging from three years and one day to three years and six months. The bank offers 7.25% on one-year and three-year deposits, 7.20% on five-year deposits and 6.50% on 10-year deposits.
Utkarsh Small Finance Bank FD Rates
Utkarsh Small Finance Bank revised its FD rates with effect from November 1, 2026. General customers can earn a maximum interest rate of 8.10% per annum on its 666-day deposit.
The bank offers 6% on one-year deposits, 7.25% on three-year deposits, 7% on five-year deposits and 6.75% on 10-year deposits.
What should you check before investing in an FD?
Investors should compare FD interest rates across banks and deposit tenures before deciding where to invest. The highest advertised rate may apply only to a specific tenure, so it is important to check the rate applicable to the intended investment period.
Depositors should also review premature withdrawal conditions, penalties and the interest payout options offered by the bank. Senior citizens may qualify for additional interest, depending on the bank’s terms.