Fixed Deposit rates soar up to 8.05% for general public with 5-year investment term; Check out the complete list of banks

by | Nov 9, 2025 | Axis bank, Bank of Baroda, DCB Bank, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India

Fixed Deposit (FD) Rates Up to 8.05% for General Citizens Investing for Five Years

In a move to encourage savings and investments, several banks in the country have increased their fixed deposit (FD) interest rates. For general citizens investing for a period of five years, the interest rates can go up to 8.05%. This is a significant increase, making FDs an attractive option for those looking to grow their savings.

List of Banks Offering High FD Rates

Here is a list of banks offering high FD rates for a five-year investment period:

  1. DCB Bank: 8.05% interest rate for a five-year FD
  2. Yes Bank: 7.75% interest rate for a five-year FD
  3. IndusInd Bank: 7.75% interest rate for a five-year FD
  4. Kotak Mahindra Bank: 7.70% interest rate for a five-year FD
  5. Axis Bank: 7.60% interest rate for a five-year FD
  6. HDFC Bank: 7.55% interest rate for a five-year FD
  7. ICICI Bank: 7.50% interest rate for a five-year FD
  8. State Bank of India (SBI): 7.40% interest rate for a five-year FD
  9. Bank of Baroda: 7.35% interest rate for a five-year FD
  10. Punjab National Bank (PNB): 7.30% interest rate for a five-year FD

Benefits of Investing in FDs

Investing in FDs offers several benefits, including:

  • Guaranteed returns: FDs offer a fixed interest rate, ensuring that your investment grows at a guaranteed rate.
  • Low risk: FDs are a low-risk investment option, making them suitable for conservative investors.
  • Liquidity: FDs can be easily liquidated, allowing you to access your funds when needed.
  • Tax benefits: Interest earned on FDs is taxable, but you can claim a tax deduction on the interest income.

How to Invest in FDs

To invest in an FD, you can visit the website of the bank or visit a branch in person. You can also invest through mobile banking or online banking platforms. The minimum deposit amount and investment period may vary depending on the bank and the type of FD.

Overall, investing in FDs can be a great way to grow your savings and earn a fixed income. With interest rates up to 8.05% for a five-year investment period, now is a good time to consider investing in an FD.