Where will you earn the highest returns on a ₹10 lakh FD? Find out which banks are offering interest rates above 8%..

Best Returns on FDs: Fixed Deposits (FDs) have long been the preferred choice for Indian investors looking to earn better returns while keeping their hard-earned money safe. As of August 2026, if you are planning to invest a substantial amount—such as ₹10 lakh—in an FD, small finance banks are offering the highest interest rates. Even a marginal difference in FD interest rates can significantly boost your total earnings over the long term. This proves particularly beneficial for senior citizens investing large sums. To maximize your interest income without taking on extra risk, it is essential to be well-informed about the interest rates offered by various banks.

Small Finance Banks Offering the Highest Interest Rates (Up to 8.10%)