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Savings & depositsPublished research

Deposits & Government Savings in India

Compare bank deposits and bank-serviced government savings products while keeping bank-set deposit rates separate from government-notified small-savings and bond rules.

Browse 58 profiles Explore this system Research methodology
Research map

Move from the banking system to the exact product family.

Each route keeps its own publication threshold. A neighboring category can be live while another remains evidence-gated.

Savings & depositsFixed deposits

Research bank fixed deposits with dated rate evidence, tenure bands, payout choices, premature-withdrawal rules and applicable special rates.

38 verified profiles
Savings & depositsNRI deposits

Compare NRE, NRO, FCNR(B), non-callable and recurring-deposit structures using account-state purpose, INR versus foreign currency, dated rate evidence, tax/repatriation treatment, instalment or amount rules, liquidity and forward-cover conditions without flattening every NRI deposit into one FD category.

28 verified profiles
Savings & depositsRecurring deposits

Compare recurring deposits by monthly contribution rules, tenure, rate, missed-instalment treatment, premature closure and maturity mechanics.

15 verified profiles
Savings & depositsTax-saving fixed deposits

Compare five-year tax-saving bank deposits using dated five-year rates, current Section 123 / Schedule XV deduction context, lock-in and death exceptions, taxable-interest treatment, senior pricing, payout choices and bank-specific maturity rules.

8 verified profiles
Savings & depositsGovernment savings schemes

Compare bank-serviced Government of India savings schemes using the current government-notified rate or formula, quarterly/half-year rate history, eligibility, contribution/investment limits, payout or compounding, maturity, premature-access rules, tax treatment and a verified branch/digital servicing matrix without treating them as proprietary bank deposits.

5 verified profiles
Published research

Start with the exact product and its reviewed terms.

Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

58of 58 profiles shown

58 profiles visible.

AU Small Finance BankRecurring deposit

AU Small Finance Bank Recurring Deposit

AU Small Finance Bank publishes an unusually granular RD rate table from 3 months to 120 months, including a 31–36 month peak band and separate senior-citizen rates.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 range from 4.75% to 7.40% p.a. for regular customers and from 5.25% to 7.90% p.a. for eligible resident senior citizens; the reviewed peak is 31–36 months.
Best fitMonthly savers comparing higher-yield small-finance-bank RD options who are comfortable checking the exact booking-date rate and tenure band.
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AU Small Finance BankFixed deposit

AU Small Finance Bank Regular Fixed Deposit

AU Small Finance Bank's regular callable/non-callable fixed-deposit proposition with a ₹1,000 entry amount, tenures up to 10 years and comparatively high published retail rates in selected tenure bands.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceFor deposits below ₹3 crore, general-customer rates effective 1 September 2026 reach 7.40% p.a.; the reviewed senior-citizen table reaches 7.90% p.a. in the applicable tenure band.
Best fitRate-sensitive depositors who are comfortable with a small finance bank and want to compare callable liquidity, payout choices and the current tenure-specific rate before booking.
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Axis BankFixed deposit

Axis Bank FCNR(B) Deposit

Axis Bank's FCNR(B) deposit supports six foreign currencies for 1-to-5-year terms with full repatriability and current currency-specific FCNR pricing.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis’s public rate hub states FCNR/RFC rates are effective from 4 September 2026; the engine keeps the currency table refresh-gated instead of copying an incomplete public snippet.
Best fitAxis NRI customers who want to keep eligible overseas funds in USD, GBP, EUR, JPY, AUD or CAD rather than convert into INR.
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Axis BankRecurring deposit

Axis Bank NRE Recurring Deposit

Axis Bank’s NRE recurring deposit is a monthly INR deposit for eligible overseas funds, with a one-year minimum tenure, tax-free interest and full repatriability.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis links the product to its live NRE recurring-deposit rate resource; exact numeric rates remain refresh-gated instead of borrowing resident senior columns.
Best fitNRIs/PIOs/OCIs who want to save overseas earnings monthly and can commit to at least a one-year NRE RD.
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Axis BankFixed deposit

Axis Bank NRE Rupee Deposit

Axis Bank's NRE rupee term deposit for foreign NRI funds, with full repatriability, Indian tax exemption and a one-year minimum interest-earning tenure.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis’s current NRI Fixed Deposit schedule is effective 8 September 2026; the public rate page highlights 6.25% for 1 year to 1 year 10 days and 6.50% for the 18-month-to-under-2-year band below ₹3 crore.
Best fitAxis NRI customers who want an INR term deposit with full NRE repatriability and access to current Axis NRI deposit rates.
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Axis BankFixed deposit

Axis Bank NRI Fixed Deposit Plus

Axis Bank’s high-value NRI Fixed Deposit Plus is available in NRE and NRO variants and explicitly disallows premature withdrawal, with a separate large-deposit rate schedule.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis’s current rate hub marks the NRI Fixed Deposits Plus schedule effective 26 August 2026; exact rate depends on NRE versus NRO, tenure and large-deposit amount band.
Best fitNRI depositors placing ₹3 crore or more who can commit funds to maturity and want a non-callable NRE/NRO structure rather than an ordinary callable rupee deposit.
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Axis BankFixed deposit

Axis Bank NRI-Pro Foreign Currency Deposit

Axis NRI-Pro Foreign Currency Deposit links an NRE deposit with a forward cover so the customer can lock an exchange-rate path and receive a foreign-currency outcome at maturity.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis does not publish one durable headline yield because the outcome combines the deposit return and the forward/exchange-rate structure; the live transaction quote controls.
Best fitNRIs who want an NRE forward-cover structure with foreign-currency maturity exposure and can hold through the selected contract horizon.
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Axis BankRecurring deposit

Axis Bank NRO Recurring Deposit

Axis Bank’s NRO recurring deposit is a monthly deposit for NRI Indian-source rupee funds, with shorter tenure options and NRO tax/repatriation treatment.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis links the product to its live recurring-deposit rate resources; exact numeric NRO RD rates remain refresh-gated rather than inferred.
Best fitNRIs/PIOs/OCIs who want systematic saving from NRO funds over 6 months to 10 years.
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Axis BankFixed deposit

Axis Bank NRO Rupee Deposit

Axis Bank's NRO rupee deposit offers 7-day-to-10-year tenures for Indian-source NRI funds with taxable interest and conditional outward remittance.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis publishes current NRI/deposit rate schedules by effective date; this profile does not infer an NRO tenure curve from the NRE-only key-rate snippets shown on the public rate page.
Best fitAxis NRI customers who want to term-deposit Indian-source rupee balances and may value partial withdrawal or NRO repatriation facilities.
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Axis BankFixed deposit

Axis Bank Tax Saver Fixed Deposit

Axis Bank’s five-year tax-saving FD with ₹100 minimum, ₹1.5 lakh maximum, reinvestment/monthly/quarterly payout options and first-party wording already updated to Section 123 read with Schedule XV of the Income-tax Act, 2025.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis publishes its domestic FD schedule effective 8 September 2026, but the parsed current first-party table in this review did not expose a safely attributable exact five-year row. The product’s live booking rate therefore remains refresh-gated instead of inferred.
Best fitEligible individuals/HUFs who want a tax-saver whose bank page already reflects the 2026 tax-law numbering and who can accept a five-year no-preclosure lock.
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Bank of BarodaFixed deposit

Bank of Baroda bob Tax Saving Fixed Deposit

Bank of Baroda’s tax-saving term deposit with RIRD, monthly-income and quarterly-income variants, ₹100 minimum, ₹1.5 lakh annual qualifying cap and a five-to-ten-year product range.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceBank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Best fitEligible Bank of Baroda customers who want a public-sector tax saver with multiple payout variants and can verify the live prevailing five-year rate before booking.
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Bank of BarodaGovernment savings scheme

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

A Government of India small-savings certificate sold through Bank of Baroda, currently at a contractual 7.50% rate for new purchases with a 115-month maturity and no maximum investment ceiling.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 and then ₹100 multiples; no maximum investment limit under the reviewed scheme page.
Best fitResident investors wanting a government-backed fixed-at-purchase return with no statutory maximum investment and who can accept the 2-year-6-month normal lock before premature closure.
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Bank of BarodaGovernment savings scheme

Floating Rate Savings Bonds 2020 (Taxable) — Bank of Baroda service route

A seven-year Government of India taxable floating-rate bond serviced through authorized receiving offices, with a semiannual coupon reset at the prevailing NSC rate plus 35 basis points.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 in ₹1,000 multiples; no maximum subscription limit. Each investment has a seven-year maturity from its subscription date.
Best fitResident investors seeking government-credit exposure and semiannual income who can accept taxable interest, a floating coupon and very limited early redemption.
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Bank of BarodaGovernment savings scheme

Public Provident Fund (PPF) — Bank of Baroda service route

A Government of India long-term provident-fund account serviced by Bank of Baroda, with a current 7.10% annual rate, ₹500 minimum yearly contribution, ₹1.5 lakh annual contribution ceiling and a 15-year base term.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹500 in a financial year and maximum ₹1.5 lakh in a financial year, in permitted multiples. Initial tenure is 15 years with extension available in five-year blocks under current rules.
Best fitResident individuals seeking long-horizon government-backed compounding and tax-exempt PPF interest/maturity value who can accept contribution caps and rule-based access rather than FD-style redemption.
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Bank of BarodaGovernment savings scheme

Senior Citizens' Savings Scheme (SCSS) — Bank of Baroda service route

A Government of India five-year senior-savings scheme serviced by Bank of Baroda, with the current 8.20% opening-quarter rate, quarterly income, a ₹30 lakh aggregate ceiling and age-specific premature-closure rules.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 in ₹1,000 multiples; aggregate deposits across SCSS accounts are capped at ₹30 lakh. Normal maturity is five years, with extension available under current scheme rules.
Best fitEligible senior citizens and qualifying retirees who want government-set quarterly income and can accept SCSS eligibility and liquidity restrictions instead of ordinary bank-FD flexibility.
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Bank of BarodaGovernment savings scheme

Sukanya Samriddhi Account — Bank of Baroda service route

A Government of India girl-child savings account serviced by Bank of Baroda, currently earning 8.20%, with ₹250 minimum annual contribution, ₹1.5 lakh annual ceiling, 15-year contribution window and 21-year maturity.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleOpen with at least ₹250; at least ₹250 must be contributed in a financial year to keep the account regular, with a ₹1.5 lakh annual maximum. Deposits are made for 15 years and the account matures 21 years from opening under current rules.
Best fitParents or eligible guardians saving specifically for a resident girl child’s long-term education/marriage goals where the beneficiary rules and long horizon fit the family’s needs.
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Canara BankFixed deposit

Canara Bank Domestic Callable Fixed Deposit

Canara Bank’s current domestic callable term-deposit schedule below ₹3 crore, including distinct 444-day and 555-day special tenures alongside ordinary one-to-ten-year bands.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed domestic callable schedule below ₹3 crore is effective 17 March 2026: the ordinary five-year band is 6.25% p.a. for general customers and 6.75% p.a. for eligible resident senior citizens; special 444-day and 555-day rates are higher.
Best fitDepositors comparing public-sector callable FDs who want current five-year pricing plus clearly separated 444-day and 555-day special-tenure rates.
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Canara BankFixed deposit

Canara Bank Tax Saver Scheme

Canara Bank’s five-year Tax Saver Scheme under its Fixed Deposit/Kamadhenu streams, with ₹100 minimum, ₹1.5 lakh maximum, multiple payout modes and a death exception to the normal no-preclosure rule.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceCanara’s domestic callable schedule below ₹3 crore is effective 17 March 2026; the five-years-to-ten-years rate is 6.25% p.a. general and 6.75% p.a. for eligible resident senior citizens.
Best fitEligible public-sector-bank depositors who want a low minimum tax-saving FD and value a clearly documented death exception and payout-mode choices.
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Federal BankRecurring deposit

Federal Bank Crorepati FSF

Federal Bank Crorepati FSF is an NRI recurring-deposit scheme built around a targeted fixed maturity value, funded systematically from NRE-compatible sources.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe bank directs customers to its live deposit-rate page for the applicable return; the engine does not infer a rate from the targeted maturity name.
Best fitNRI customers who prefer a goal/maturity-value recurring plan and can use the NRE standing-instruction route over the selected scheme horizon.
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Federal BankFixed deposit

Federal Bank Deposit Plus (Non-Callable)

Federal Bank’s non-callable Deposit Plus for high-value resident and NRO term deposits, with a separate premium rate ladder and no normal premature closure.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceDeposit Plus rates effective 17 August 2026 reach 6.85% p.a. for general customers and 7.35% p.a. for eligible senior citizens at the reviewed 48-month tenor.
Best fitDepositors with more than ₹1 crore who are certain they can hold to maturity and want to compare a non-callable premium rate with ordinary callable Federal Bank FDs.
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Federal BankFixed deposit

Federal Bank FCNR(B) Deposit

Federal Bank's FCNR(B) deposit supports a broad foreign-currency set and publishes separate ordinary and high-value/special rate resources rather than one universal yield.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFederal publishes a currency-specific FCNR(B) schedule effective 16 June 2026 and separate high-value/special pricing. Because some 3–5-year USD figures are tied to the temporary FCNR Max/RBI swap facility, the engine does not flatten them into an ordinary evergreen FCNR rate table.
Best fitFederal Bank NRI customers who want foreign-currency term deposits and are prepared to compare the exact currency, amount band and whether a temporary/special scheme applies.
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Federal BankRecurring deposit

Federal Bank Fed Flexi Smart SaverRD

Federal Bank’s Fed Flexi Smart SaverRD is an NRI-only variable recurring deposit with no fixed monthly due date and instalments allowed up to ten times a chosen core amount.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFederal describes assured returns and the product as tax free/repatriable; the live rate resource controls the booked return and no synthetic maximum is stored.
Best fitNRI customers who want NRE-style tax/repatriation treatment but need more monthly-contribution flexibility than a conventional fixed-instalment RD.
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Federal BankRecurring deposit

Federal Bank Federal Savings Fund Recurring Deposit

Federal Bank’s Federal Savings Fund recurring-deposit product, with a low published starting instalment, long tenure range and rates linked to the bank’s resident term-deposit schedule.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceFederal Bank states that resident term-deposit rates also apply to Federal Savings Fund. The reviewed schedule effective 17 August 2026 includes 6.25%/6.75% at one year and 6.70%/7.20% at 48 months for general/senior.
Best fitSavers who want a low-entry RD with a long tenure range and value the option of a loan/overdraft relationship against the recurring deposit.
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Federal BankFixed deposit

Federal Bank Fixed Deposit

Federal Bank's resident fixed-deposit range with low minimum funding, tenures up to 10 years, multiple payout frequencies and a dated resident term-deposit rate table.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceResident term-deposit rates effective 17 August 2026 reach 6.70% p.a. for general customers and 7.20% p.a. for senior citizens at the reviewed 48-month tenor.
Best fitDepositors who want a low entry amount, flexible payout choices and a bank that publishes both ordinary and non-callable deposit rates in one current rate resource.
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Federal BankFixed deposit

Federal Bank NRE Deposit Plus

Federal Bank’s non-callable NRE Deposit Plus for high-value NRE term deposits, using a separate premium rate ladder in exchange for giving up ordinary premature-withdrawal flexibility.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceNRE Deposit Plus rates effective 17 August 2026 run from 6.35% at 1 year to 6.85% at 48 months for the reviewed below-₹3-crore band.
Best fitNRE depositors with more than ₹1 crore who are certain they can hold to maturity and want to compare the premium non-callable ladder with Federal’s ordinary callable NRE FD.
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Federal BankFixed deposit

Federal Bank NRE Fixed Deposit

Federal Bank's NRE term deposit with a current 17 August 2026 rate ladder, one-year minimum tenure and no NRI senior-citizen rate addition.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFor single deposits below ₹300 lakh effective 17 August 2026, the reviewed NRE schedule runs from 6.25% at 1 year to a 6.70% 48-month rate, with 6.40%–6.50% across surrounding bands.
Best fitFederal Bank NRI customers who want an INR NRE term deposit with a clearly published current tenure ladder.
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Federal BankFixed deposit

Federal Bank NRO Fixed Deposit

Federal Bank's NRO fixed deposit uses the bank's current resident/NRO term-deposit rate ladder while retaining NRO taxation and repatriation treatment.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFederal states resident term-deposit rates are also applicable to NRO Fixed Deposits; the reviewed schedule effective 17 August 2026 reaches 6.70% at 48 months for the general/NRO rate.
Best fitFederal Bank NRI customers who want to term-deposit Indian-source rupee funds with access to the bank’s ordinary callable deposit ladder.
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Federal BankFixed deposit

Federal Bank Rupee Plus

Federal Rupee Plus is an NRE-linked forward-cover structure: the bank opens an FCNR deposit and simultaneously books a forward contract so the maturity proceeds are delivered in repatriable Indian rupees at a pre-agreed conversion framework.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceReturn is the applicable FCNR interest plus the forward premium on the chosen currency at opening; the premium varies daily, so no evergreen single percentage is stored.
Best fitNRI customers who specifically want a forward-covered NRE structure and can accept a fixed maturity conversion setup rather than ordinary FD liquidity.
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Federal BankFixed deposit

Federal Bank Tax Savings Deposit

Federal Bank’s five-year Tax Savings Deposit with ₹100 minimum, ₹1.5 lakh maximum, quarterly compounding and no normal premature withdrawal or loan facility.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFederal states that Resident Term Deposit rates also apply to Federal Tax Savings Deposits. Under the schedule effective 17 August 2026, the above-48-months-to-10-years band is 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.
Best fitEligible Federal Bank customers who want a five-year locked deposit whose current rate can be tied directly to Federal’s resident term-deposit schedule.
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HDFC BankFixed deposit

HDFC Bank FCNR(B) Deposit

HDFC Bank's FCNR(B) term deposit keeps eligible NRI funds in one of seven foreign currencies, with fully repatriable principal/interest and a currency-specific dated rate table.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceRates are currency- and tenure-specific. The reviewed schedule effective 1 September 2026 ranges, for example, from 3.80% USD and 3.75% GBP at 1 year to under 2 years, with different rates for EUR, JPY, AUD, CAD and SGD.
Best fitNRIs who want a bank term deposit without converting the principal into INR and whose home/earning currency matches one of HDFC’s supported FCNR currencies.
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HDFC BankFixed deposit

HDFC Bank Five-Year Tax Saving Fixed Deposit

HDFC Bank’s resident five-year tax-saving FD with a fixed statutory lock-in, ₹5,000 minimum, ₹1.5 lakh financial-year cap and monthly, quarterly or reinvestment-style interest choices under current terms.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.
Best fitEligible resident individuals or HUFs using a deduction-eligible tax regime who want a large-bank five-year locked deposit and can accept taxable interest plus no normal liquidity during the lock-in.
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HDFC BankFixed deposit

HDFC Bank Fixed Deposit

HDFC Bank's retail fixed-deposit range below ₹3 crore, with a first-party Domestic/NRO/NRE rate table applicable from 19 August 2026, tenure-based resident senior-citizen premiums and payout/reinvestment choices.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFor retail deposits below ₹3 crore, the reviewed table applicable from 19 August 2026 ranges from 2.75% to 6.50% p.a. for general customers and from 3.25% to 7.10% p.a. for eligible resident senior citizens.
Best fitSavers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
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HDFC BankFixed deposit

HDFC Bank NRE Fixed Deposit

HDFC Bank's rupee NRE term deposit for eligible overseas funds, with a 1-to-10-year tenure, full repatriability and Indian tax-exempt interest under current NRE treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceFor deposits below ₹3 crore, the reviewed Domestic/NRO/NRE schedule effective 19 August 2026 pays 6.25% at 1 year, 6.45% around the 18-month-to-3-year bands and 6.50% in the 3-year-1-day to under-4-year-7-month band. Senior-citizen additions do not apply to NRIs.
Best fitNRIs/PIOs who want to convert eligible overseas funds into an INR term deposit while preserving full repatriability and NRE tax treatment.
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HDFC BankRecurring deposit

HDFC Bank NRE Recurring Deposit

HDFC Bank’s NRE recurring deposit combines fixed monthly instalments with NRE tax/repatriation treatment and rates stated to be at par with NRE fixed deposits.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed NRE RD uses rates at par with HDFC NRE Fixed Deposits; current comparable anchors therefore follow the bank’s NRE FD schedule rather than a separate promotional maximum.
Best fitNRIs who want systematic monthly saving from eligible NRE funds and can keep the deposit for at least one year.
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HDFC BankFixed deposit

HDFC Bank NRO Fixed Deposit

HDFC Bank's NRO rupee fixed deposit for Indian-source NRI funds, with tenures from 7 days to 10 years, taxable interest and NRO repatriation rules.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe same reviewed below-₹3-crore Domestic/NRO/NRE schedule effective 19 August 2026 applies to ordinary callable NRO deposits; senior-citizen additions do not apply to NRIs.
Best fitNRIs/PIOs who need to term-deposit Indian-source rupee balances and can work within NRO tax and outward-remittance rules.
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HDFC BankRecurring deposit

HDFC Bank NRO Recurring Deposit

HDFC Bank’s NRO recurring deposit is a systematic rupee deposit for NRI funds, with shorter starting tenures than NRE RD and interest taxable under NRO treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceHDFC states NRO RD rates are at par with NRO Fixed Deposits; the engine uses the current NRO FD schedule only for stored comparable anchors.
Best fitNRIs who want to save Indian-source or other permitted NRO rupee funds monthly and need a tenure starting below one year.
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HDFC BankRecurring deposit

HDFC Bank Recurring Deposit

A monthly savings deposit with tenure-specific rates, quarterly compounding and first-party per-tenure effective dates rather than one evergreen headline rate.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
Best fitHDFC customers who want disciplined monthly saving and can choose a tenure using the bank's dated RD rate table rather than a generic advertised maximum.
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ICICI BankFixed deposit

ICICI Bank FCNR(B) Fixed Deposit

ICICI Bank's FCNR(B) deposit keeps NRI funds in five supported foreign currencies with tax-free Indian interest and full repatriability.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe applicable interest rate is fixed at booking and varies by currency and tenure; ICICI directs customers to its dated FCNR(B) rate schedule rather than one universal headline rate.
Best fitNRIs/PIOs/OCIs who want to keep foreign earnings in the same currency rather than convert into INR before placing a term deposit.
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ICICI BankFixed deposit

ICICI Bank Fixed Deposit

ICICI Bank's retail fixed-deposit proposition with a first-party rate table effective 18 June 2026, tenure-based senior-citizen premiums and callable/premature-withdrawal treatment.

First-party checked1 bank sourceReviewed September 9, 2026
Current rate evidenceThe reviewed retail table effective 18 June 2026 reaches 6.50% p.a. for general customers and 7.10% p.a. for senior citizens in the applicable below-₹3-crore tenure bands.
Best fitSavers who want a large private-bank FD and prefer comparing current effective yields and tenure-specific rates immediately before booking.
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ICICI BankFixed deposit

ICICI Bank NRE Fixed Deposit

ICICI Bank's callable NRE fixed deposit for overseas NRI funds, with a 1-year minimum tenure, tax-free Indian interest and full repatriability.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceICICI’s reviewed callable retail schedule effective 18 June 2026 reaches 6.50% in the 3-year-1-day to 10-year bands below ₹3 crore; senior-citizen additions do not apply to NRI deposits.
Best fitNRIs/PIOs/OCIs who want an INR fixed return on eligible overseas funds with full NRE repatriability.
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ICICI BankRecurring deposit

ICICI Bank NRE Recurring Deposit

ICICI Bank’s NRE recurring deposit is a monthly NRI savings product funded from an active NRE relationship, with tax-exempt interest and full repatriability.

First-party checked1 bank sourceReviewed September 10, 2026
Current rate evidenceThe current NRI RD page publishes no single durable headline rate in the captured product evidence; the contracted rate is the live NRI RD rate at booking and interest compounds quarterly.
Best fitICICI NRE customers who want a fixed monthly saving plan for overseas earnings over a 1-to-10-year horizon.
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ICICI BankFixed deposit

ICICI Bank NRO Fixed Deposit

ICICI Bank's callable NRO fixed deposit for Indian-source NRI balances, with short-tenure availability, taxable interest and conditional principal repatriation.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceICICI’s reviewed callable retail FD schedule effective 18 June 2026 applies to NRO deposits; the current NRI product page separates NRO taxation from NRE tax-free treatment.
Best fitNRIs/PIOs/OCIs who want to lock Indian-source rupee funds while keeping NRO-compliant outward-remittance treatment.
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ICICI BankRecurring deposit

ICICI Bank NRO Recurring Deposit

ICICI Bank’s NRO recurring deposit is a systematic monthly deposit for India-based NRI income, with taxable interest and NRO repatriation treatment.

First-party checked1 bank sourceReviewed September 10, 2026
Current rate evidenceThe current NRI RD page leaves the exact numeric rate to the live rate resource; interest compounds quarterly and NRO interest is subject to TDS under applicable law.
Best fitICICI NRO customers who want a fixed monthly saving plan beginning from a six-month tenure.
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ICICI BankRecurring deposit

ICICI Bank Recurring Deposit

ICICI Bank's RD offers 6-month to 10-year tenures with a rate fixed at opening, quarterly interest calculation and an explicit missed-instalment penalty.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 29 December 2025 run from 4.50% to 6.50% p.a. for general customers and from 5.00% to 7.10% p.a. for senior citizens across the published tenure bands.
Best fitICICI customers who want a fixed monthly commitment and value knowing the contracted rate will not change during the RD tenure.
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ICICI BankFixed deposit

ICICI Bank Tax Saver Fixed Deposit

ICICI Bank’s fixed five-year Tax Saver FD for individuals/HUFs, with ₹10,000 minimum, ₹1.5 lakh per-PAN aggregate cap, cumulative or regular payout choices and no normal premature closure.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceICICI Bank’s current FD schedule effective 4 September 2026 places the 3-years-1-day-to-5-years bucket at 6.50% p.a. general and 7.10% p.a. senior citizen; the Tax Saver FD is fixed at exactly five years.
Best fitEligible ICICI Bank customers who want a current five-year locked deposit with clear online opening and maturity rules and can accept taxable interest.
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IDFC FIRST BankFixed deposit

IDFC FIRST Bank Fixed Deposit

IDFC FIRST Bank's retail FD range with a current sub-₹3-crore table, strong mid-tenure rates, flexible payout choices and special premature-withdrawal treatment for eligible senior citizens.

First-party checked1 bank sourceReviewed September 9, 2026
Current rate evidenceRates effective 25 July 2026 for deposits below ₹3 crore range from 3.25% to 7.25% p.a. for general customers and up to 7.50% p.a. for senior citizens; the 500-days-to-3-years band carries the reviewed peak rate.
Best fitSavers comparing higher mid-tenure bank FD rates who also value monthly/quarterly payout options and the bank's stated senior-citizen premature-closure concession.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank FCNR(B) Deposit

Kotak's FCNR(B) deposit holds NRI funds in five foreign currencies, with a current 1 September 2026 currency-by-tenure rate table and full repatriability.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceRates effective 1 September 2026 are currency-specific: at 1 year to under 2 years the reviewed table shows 4.00% USD, 4.00% GBP, 2.55% EUR, 4.35% AUD and 1.25% SGD for the displayed lower-value USD band.
Best fitKotak NRI customers who want to retain foreign currency and can choose among USD, GBP, EUR, AUD and SGD term-deposit tenures.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRE Fixed Deposit

Kotak's NRE fixed deposit for repatriable overseas funds, using the bank's current Domestic/NRO/NRE callable rupee rate schedule.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed Domestic/NRO/NRE callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.
Best fitKotak NRI customers who want a rupee term deposit with full NRE principal/interest repatriability and Indian tax-exempt interest.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRO Fixed Deposit

Kotak's NRO fixed deposit for Indian-source NRI funds, using the current shared Domestic/NRO/NRE rupee rate schedule with NRO tax and repatriation treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe current callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.
Best fitKotak NRI customers placing Indian-source rupee funds into a term deposit while retaining NRO-compliant repatriation.
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Kotak Mahindra BankRecurring deposit

Kotak Mahindra Bank Recurring Deposit

Kotak's resident recurring-deposit table publishes a clear 6-month-to-10-year rate ladder with special senior-citizen additions that vary by tenure band.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 run from 5.50% at 6 months to a reviewed peak of 6.80% for 24–33 months; resident senior-citizen additions are 0.50% for many tenures and 0.60% for the stated 3-to-under-5-year band.
Best fitKotak customers who want a straightforward monthly deposit and can choose among the published tenure bands instead of chasing one headline rate.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank Regular Fixed Deposit

Kotak Mahindra Bank’s resident callable fixed-deposit rate ladder below ₹3 crore, with tenure-specific general rates and additional interest for eligible resident senior citizens.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceThe reviewed callable schedule effective 10 June 2026 reaches 6.80% p.a. for general customers in the 2-year-to-under-3-year band; eligible resident senior rates are generally higher by 0.50 percentage point.
Best fitKotak customers who want a conventional callable FD and prefer choosing among clearly published tenure bands rather than relying on one headline maximum rate.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank Tax Saving Fixed Deposit

Kotak Mahindra Bank’s five-year tax-saving FD starting at ₹100, capped at ₹1.5 lakh for the qualifying investment, with quarterly payout or reinvestment and no premature/partial withdrawal during the lock.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceKotak’s current domestic/NRO/NRE callable rate table is effective 10 June 2026; the five-years-and-above-to-10-years band is 6.25% p.a. general and 6.75% p.a. for eligible resident senior citizens.
Best fitEligible Kotak customers who want a low-entry tax-saving deposit and can hold for the full five-year lock-in.
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State Bank of IndiaFixed deposit

SBI Domestic Bulk Term Deposit ₹3 Crore+

SBI's ₹3 crore-and-above domestic bulk deposit with a dated rate table that explicitly shows revised August 2026 rates beside the previous May 2026 schedule.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRevised public rates effective 15 August 2026 range from 4.25% for 7–14 days to 6.25% for 1 year to under 2 years; eligible senior-citizen bulk rates in the same table range from 4.75% to 6.75%.
Best fitBusinesses, institutions and high-value depositors comparing large SBI term deposits where deposit band and effective date materially change the rate.
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State Bank of IndiaRecurring deposit

SBI Recurring Deposit

SBI's standard recurring deposit uses regular monthly instalments over 12–120 months and applies the corresponding term-deposit rate for public or senior-citizen customers.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceSBI states that its RD earns the rate applicable to term deposits. The reviewed retail term-deposit schedule below ₹3 crore is effective from 15 December 2025.
Best fitSBI customers seeking a long-tenure disciplined savings plan with a very low ₹100 monthly starting amount and transparent missed-instalment rules.
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State Bank of IndiaFixed deposit

SBI Retail Domestic Term Deposit

State Bank of India's retail domestic term-deposit range below ₹3 crore, with standard tenure rates plus special-tenure and senior/super-senior treatments published separately by SBI.

First-party checked1 bank sourceReviewed September 9, 2026
Current rate evidenceThe reviewed SBI retail schedule below ₹3 crore is effective from 15 December 2025: standard public rates run from 3.05% to 6.40% p.a.; the 444-day Amrit Vrishti special tenor is listed at 6.45% p.a.
Best fitSBI customers and conservative savers who value a large public-sector bank and want to compare standard tenure rates with SBI's special-tenure deposit offers before booking.
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State Bank of IndiaFixed deposit

SBI Tax Savings Scheme Fixed Deposit

State Bank of India’s Tax Savings Scheme term/special-term deposit with a five-to-ten-year scheme window, ₹1,000 minimum and a ₹1.5 lakh annual qualifying ceiling.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceSBI states that the applicable rate is the prevailing Term Deposit rate for Public/Senior Citizens. The engine leaves the exact five-year numeric anchor refresh-gated because the current first-party rate page did not expose a safely attributable tax-saver five-year row in this review.
Best fitSBI customers who want a public-sector tax-saving deposit and are willing to verify the exact live five-year resident rate at booking rather than relying on an older cached rate.
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YES BANKFixed deposit

YES BANK Fixed Deposit

YES BANK's retail fixed deposit with a current sub-₹3-crore rate table, tenure-specific senior-citizen premiums and monthly, quarterly or maturity payout choices.

First-party checked1 bank sourceReviewed September 9, 2026
Current rate evidenceRates effective 2 June 2026 for deposits below ₹3 crore reach 7.25% p.a. for regular customers and 7.75% p.a. for eligible senior citizens in selected tenure bands.
Best fitDepositors comparing higher mid-tenure rates who can lock money for the relevant tenure and want the bank's published payout-frequency flexibility.
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YES BANKRecurring deposit

YES BANK Recurring Deposit

YES BANK’s resident recurring deposit with a dated six-month-to-10-year rate ladder, senior-citizen premiums and a separate Flexigain RD proposition for variable monthly contributions.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceResident RD rates effective 2 June 2026 range from 6.00% at six months to a reviewed peak of 7.25% at 21 months; eligible senior-citizen rates reach 7.75% in selected bands.
Best fitMonthly savers comparing higher mid-tenure RD rates who can commit to the chosen tenure and want both regular fixed-instalment and flexible-contribution options.
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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

01

Rate date

Treat the effective date as a core product field because deposit rates can move independently of page publication dates.

02

Tenure

Compare like-for-like tenures rather than each bank’s single highest advertised rate.

03

Payout and compounding

Monthly payout, quarterly payout and cumulative deposits can produce different effective outcomes.

04

Exit rules

Premature closure, sweep and non-callable rules determine how much liquidity you are giving up.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

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Decision fields

What this category should verify.

01Rate source, effective date and reset mechanism
02Tenure / maturity / contribution or deposit band
03Compounding / payout frequency
04Premature access, loan and collateral rules
05Tax / eligibility / customer-category conditions