Latest FD Rates 2026: Rs 10 Lakh One-Time Investment in 10-Year FD – Compare SBI, HDFC Bank, ICICI Bank, PNB Returns
Latest FD Rates 2026 are an important consideration for investors seeking safe, predictable and guaranteed returns on their savings. Fixed Deposits (FDs) continue to be one of the most trusted investment options, especially for those who prefer capital protection over market-linked risks. However, interest rates vary across banks, which can significantly impact the final maturity amount.
If you are planning to invest Rs 10 lakh in a 10-year fixed deposit, here's a comparison of the latest FD interest rates offered by SBI, HDFC Bank, ICICI Bank and Punjab National Bank (PNB). We've also calculated the expected maturity value for both general and senior citizen investors.
What is a Fixed Deposit (FD)?
A Fixed Deposit is a financial product offered by banks and select financial institutions where you invest a lump sum amount for a fixed tenure at a predetermined interest rate. Since the interest rate remains locked throughout the investment period, FDs provide assured returns irrespective of market fluctuations.
SBI 10-Year Fixed Deposit: Interest Rates and Maturity Amount
The State Bank of India offers different interest rates for regular customers and senior citizens on its 10-year fixed deposits.
SBI FD Interest Rates (10 Years)
PNB 10-Year Fixed Deposit: Interest Rates and Returns
Punjab National Bank also offers competitive returns for long-term FD investors.
PNB FD Interest Rates (10 Years)
HDFC Bank 10-Year FD : Latest Interest Rates
HDFC Bank provides slightly higher returns than SBI and PNB for regular depositors.
HDFC Bank FD Interest Rates (10 Years)
ICICI Bank 10-Year FD: Highest Returns Among the Compared Banks
Among the banks compared here, ICICI Bank offers the highest interest rate for general customers, resulting in the largest maturity value.
ICICI Bank FD Interest Rates (10 Years)
Rs 10 Lakh ICICI FD Maturity Value
Post Office Fixed Deposit: Is a 10-Year FD Available?
Unlike commercial banks, the India Post Fixed Deposit scheme does not offer a 10-year tenure. The longest available tenure is 5 years, which currently carries an interest rate of 7.50% per annum. Therefore, investors looking specifically for a 10-year FD cannot opt for a post office fixed deposit under the existing scheme.
Rs 10 Lakh Investment Comparison: 10-Year FD Returns
Which Bank Offers the Best 10-Year FD Returns?
Based on the current rates, ICICI Bank offers the highest maturity amount for general customers investing Rs 10 lakh over 10 years. For senior citizens, SBI delivers the highest maturity value among the institutions compared. While returns are an important factor, investors should also consider aspects such as liquidity requirements, premature withdrawal rules and their overall financial goals before choosing a fixed deposit.
If you are planning to invest Rs 10 lakh in a 10-year fixed deposit, here's a comparison of the latest FD interest rates offered by SBI, HDFC Bank, ICICI Bank and Punjab National Bank (PNB). We've also calculated the expected maturity value for both general and senior citizen investors.
What is a Fixed Deposit (FD)?
A Fixed Deposit is a financial product offered by banks and select financial institutions where you invest a lump sum amount for a fixed tenure at a predetermined interest rate. Since the interest rate remains locked throughout the investment period, FDs provide assured returns irrespective of market fluctuations.
SBI 10-Year Fixed Deposit: Interest Rates and Maturity Amount
The State Bank of India offers different interest rates for regular customers and senior citizens on its 10-year fixed deposits.
SBI FD Interest Rates (10 Years)
- General Customers: 6.05% per annum
- Senior Citizens: 7.05% per annum
- Rs 10 Lakh SBI FD Maturity Value
- General Customers: Rs 18,22,976
- Senior Citizens: Rs 20,11,457
PNB 10-Year Fixed Deposit: Interest Rates and Returns
Punjab National Bank also offers competitive returns for long-term FD investors.
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PNB FD Interest Rates (10 Years)
- General Customers: 6.00% per annum
- Senior Citizens: 6.80% per annum
- Rs 10 Lakh PNB FD Maturity Value
- General Customers: Rs 18,14,018
- Senior Citizens: Rs 19,62,629
HDFC Bank 10-Year FD : Latest Interest Rates
HDFC Bank provides slightly higher returns than SBI and PNB for regular depositors.
HDFC Bank FD Interest Rates (10 Years)
- General Customers: 6.15% per annum
- Senior Citizens: 6.65% per annum
- Rs 10 Lakh HDFC FD Maturity Value
- General Customers: Rs 18,41,021
- Senior Citizens: Rs 19,33,888
ICICI Bank 10-Year FD: Highest Returns Among the Compared Banks
Among the banks compared here, ICICI Bank offers the highest interest rate for general customers, resulting in the largest maturity value.
ICICI Bank FD Interest Rates (10 Years)
- General Customers: 6.50% per annum
- Senior Citizens: 7.00% per annum
Rs 10 Lakh ICICI FD Maturity Value
- General Customers: Rs 19,05,559
- Senior Citizens: Rs 20,01,597
Post Office Fixed Deposit: Is a 10-Year FD Available?
Unlike commercial banks, the India Post Fixed Deposit scheme does not offer a 10-year tenure. The longest available tenure is 5 years, which currently carries an interest rate of 7.50% per annum. Therefore, investors looking specifically for a 10-year FD cannot opt for a post office fixed deposit under the existing scheme.
Rs 10 Lakh Investment Comparison: 10-Year FD Returns
| Institution | General Interest Rate | Senior Citizen Rate | Maturity Amount (General) | Maturity Amount (Senior Citizen) |
|---|---|---|---|---|
| SBI | 6.05% | 7.05% | Rs 18,22,976 | Rs 20,11,457 |
| PNB | 6.00% | 6.80% | Rs 18,14,018 | Rs 19,62,629 |
| HDFC Bank | 6.15% | 6.65% | Rs 18,41,021 | Rs 19,33,888 |
| ICICI Bank | 6.50% | 7.00% | Rs 19,05,559 | Rs 20,01,597 |
Which Bank Offers the Best 10-Year FD Returns?
Based on the current rates, ICICI Bank offers the highest maturity amount for general customers investing Rs 10 lakh over 10 years. For senior citizens, SBI delivers the highest maturity value among the institutions compared. While returns are an important factor, investors should also consider aspects such as liquidity requirements, premature withdrawal rules and their overall financial goals before choosing a fixed deposit.
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