FD Interest Rates 2025: Check How Much Top Banks Are Offering on 1-Year Deposits

Fixed deposits (FDs) have long been a trusted investment choice for Indians who prefer safety and guaranteed returns over market risks. With predictable growth and assured maturity values, FDs remain a go-to option especially for senior citizens seeking stable income.


Let’s take a look at how India’s leading banks SBI, Bank of Baroda, PNB, HDFC Bank, and ICICI Bank reward investors on a one-year deposit of ₹5,00,000.

State Bank of India (SBI)

• General Public: 6.25% interest → ₹5,31,250 at maturity

• Senior Citizens: 6.75% interest → ₹5,33,750

Earnings: ₹31,250 (general), ₹33,750 (senior)

Bank of Baroda (BoB)

• General Public: 6.5% interest → ₹5,32,500
• Senior Citizens: 7% interest → ₹5,35,000

Earnings: ₹32,500 (general), ₹35,000 (senior)

Punjab National Bank (PNB)

• General Public: 6.25% interest → ₹5,31,250
• Senior Citizens: 6.75% interest → ₹5,33,750

Earnings: ₹31,250 (general), ₹33,750 (senior)

HDFC Bank

• General Public: 6.25% interest → ₹5,31,250
• Senior Citizens: 6.75% interest → ₹5,33,750

Earnings: ₹31,250 (general), ₹33,750 (senior)

ICICI Bank

• General Public: 6.25% interest → ₹5,31,250
• Senior Citizens: 6.75% interest → ₹5,33,750

Earnings: ₹31,250 (general), ₹33,750 (senior)


Among these, Bank of Baroda stands out with the highest one-year FD rates 7% for senior citizens and 6.5% for the general public.

For those who value security and steady returns over market volatility, FDs remain one of the simplest and most reliable ways to grow savings quietly, safely, and surely.


Disclaimer: Interest rates are subject to change. Investors should check the latest rates with respective banks before investing.