FD Interest Rates 2025: 8 Banks Offering the Highest Returns on One-Year Fixed Deposits - Full List Inside
When it comes to safe and guaranteed returns, fixed deposits (FDs) remain one of India’s most trusted investment options. However, with varying FD interest rates across banks, choosing the right one can make a noticeable difference in your earnings. Whether you’re a general investor or a senior citizen, comparing the best FD rates before locking in your money is crucial. Here’s a look at the top 8 banks offering the highest returns on one-year fixed deposits in 2025.
HDFC Bank FD Interest Rates 2025
India’s largest private lender, HDFC Bank, offers 6.25% interest for regular customers and 6.75% for senior citizens on a 1-year fixed deposit. For those seeking higher returns, deposits with a tenor of two years or more fetch better interest.
ICICI Bank Fixed Deposit Rates
ICICI Bank matches HDFC’s FD rates, offering 6.25% to general citizens and 6.75% to seniors on a one-year deposit. For longer tenures of two years and above, the interest rate rises to 6.6% for regular customers and 7.1% for senior citizens, making it ideal for medium-term savers.
Kotak Mahindra Bank FD Rates
Kotak Mahindra Bank provides 6.25% for general investors and 6.75% for senior citizens on a one-year term deposit. Interestingly, its highest FD interest rate applies to tenures between 391 days and 23 months, slightly above the one-year mark.
Federal Bank FD Interest Rates
Federal Bank offers 6.25% for regular citizens and 6.75% for seniors on one-year fixed deposits. For investors looking for the highest return, the 999-day FD provides an impressive 6.70% interest rate.
State Bank of India (SBI) Fixed Deposit Rates
The country’s largest public sector bank, SBI, provides 6.25% interest to general customers and 6.75% to senior citizens on a one-year FD. However, better rates are available for tenures between 2 and 3 years, with returns up to 6.95% for senior citizens.
Union Bank of India FD Interest Rates
Among the state-run banks, Union Bank of India leads with 6.40% interest for regular investors and 6.90% for seniors on one-year deposits. For a longer three-year FD, the rates go up to 6.6% and 7.1%, respectively - one of the best options for consistent returns.
Canara Bank FD Rates
Canara Bank offers 6.25% for general customers and 6.75% for seniors on 1-year fixed deposits. Investors seeking slightly higher yields can choose the 444-day deposit, which offers 6.50% for regular citizens and 7.00% for senior citizens.
Punjab National Bank (PNB) Fixed Deposit Rates
Punjab National Bank also offers 6.25% interest for general investors and 6.75% for senior citizens on one-year FDs. The highest PNB FD rate applies to a 390-day tenor, offering up to 7.1% for seniors.
FD Interest Rates Comparison Table (2025)
BankRegular Citizen (%)Senior Citizen (%)
Compare Before You Commit
Before opening an FD, it’s wise to compare fixed deposit interest rates across top banks. While most private and public sector banks are offering similar rates for one-year deposits, Union Bank of India currently stands out for both general and senior citizens. Choosing the right bank can ensure your FD investment yields the maximum possible returns without compromising on safety.
HDFC Bank FD Interest Rates 2025
India’s largest private lender, HDFC Bank, offers 6.25% interest for regular customers and 6.75% for senior citizens on a 1-year fixed deposit. For those seeking higher returns, deposits with a tenor of two years or more fetch better interest.
ICICI Bank Fixed Deposit Rates
ICICI Bank matches HDFC’s FD rates, offering 6.25% to general citizens and 6.75% to seniors on a one-year deposit. For longer tenures of two years and above, the interest rate rises to 6.6% for regular customers and 7.1% for senior citizens, making it ideal for medium-term savers.
Kotak Mahindra Bank FD Rates
Kotak Mahindra Bank provides 6.25% for general investors and 6.75% for senior citizens on a one-year term deposit. Interestingly, its highest FD interest rate applies to tenures between 391 days and 23 months, slightly above the one-year mark.
Federal Bank FD Interest Rates
Federal Bank offers 6.25% for regular citizens and 6.75% for seniors on one-year fixed deposits. For investors looking for the highest return, the 999-day FD provides an impressive 6.70% interest rate.
State Bank of India (SBI) Fixed Deposit Rates
The country’s largest public sector bank, SBI, provides 6.25% interest to general customers and 6.75% to senior citizens on a one-year FD. However, better rates are available for tenures between 2 and 3 years, with returns up to 6.95% for senior citizens.
Union Bank of India FD Interest Rates
Among the state-run banks, Union Bank of India leads with 6.40% interest for regular investors and 6.90% for seniors on one-year deposits. For a longer three-year FD, the rates go up to 6.6% and 7.1%, respectively - one of the best options for consistent returns.
Canara Bank FD Rates
Canara Bank offers 6.25% for general customers and 6.75% for seniors on 1-year fixed deposits. Investors seeking slightly higher yields can choose the 444-day deposit, which offers 6.50% for regular citizens and 7.00% for senior citizens.
Punjab National Bank (PNB) Fixed Deposit Rates
Punjab National Bank also offers 6.25% interest for general investors and 6.75% for senior citizens on one-year FDs. The highest PNB FD rate applies to a 390-day tenor, offering up to 7.1% for seniors.
FD Interest Rates Comparison Table (2025)
BankRegular Citizen (%)Senior Citizen (%)
| HDFC Bank | 6.25 | 6.75 |
| ICICI Bank | 6.25 | 6.75 |
| Kotak Mahindra Bank | 6.25 | 6.75 |
| Federal Bank | 6.25 | 6.75 |
| State Bank of India (SBI) | 6.25 | 6.75 |
| Union Bank of India | 6.40 | 6.90 |
| Canara Bank | 6.25 | 6.75 |
| Punjab National Bank | 6.25 | 6.75 |
Compare Before You Commit
Before opening an FD, it’s wise to compare fixed deposit interest rates across top banks. While most private and public sector banks are offering similar rates for one-year deposits, Union Bank of India currently stands out for both general and senior citizens. Choosing the right bank can ensure your FD investment yields the maximum possible returns without compromising on safety.
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