In short, you can easily earn some 0.25-1.35 per cent guaranteed higher returns by locking money in odd tenures than regular ones. Senior citizens can get an interest rate of 9.5 per cent for special deposits maturing in 1001 days in the Unity Small Finance Bank. Utkarsh Small Finance Bank will give senior citizens as high as 9.25 per cent for a 700-day special deposit. Small finance banks are even one step ahead in this number race. State Bank of India ( SBI) will give you an interest rate of 7.10 per cent, a whopping 1.35 per cent extra just for holding your deposit for 400 days while a fixed deposit maturing in less than a year earns only 5.75 per cent interest in this public sector bank. This is because there are special rates offered by many banks on some specific tenures which are different from regular tenures.įor instance, Kotak Mahindra Bank is offering a 7.2 per cent interest rate on FDs for 390 days whereas a 364-day deposit earns 6.2 per cent.

However, if you are looking for regular tenures like one year, two years, three years, five years, and 10 years, then you may miss some of the best FD rates currently being offered by banks. Mutual Funds Spend Credit Cards P2P Data Center Fuel Rates Diesel Rates Petrol Rates Bank Pan Number Bank holidays Penny Stocks MF Ratings & NAV Top Performing Schemes Top Star Rated Schemes Top Tax Saving Schemes Highest Risk Adjusted Return New Fund Offers Forthcoming Dividends NPS Top Performing NPS Scheme Most Consistent NPS schemes ETF Perfomance Latest Prices Listed Bonds Traded in Cash Market ULIPs ULIP Schemes Calculators Recurring Deposit Calculator Fixed Deposit Calculator LTCG Tax Calculator Income Tax Calculator Rent Receipt Generator SIP Calculator IFSC Bank Code NPS Calculator Invoice Generator EPF Calculator House Property Income HRA Calculator Sukanya Samriddhi Calculator Education Loan Calculator Car Loan Calculator Home Loan Calculator Personal Loan Calculator Risk Tolerance Calculator Financial Fitness Calculator Interest Rates Recurring Deposit Rates Fixed Deposit Rates Bank Fixed Deposits Rates Post Office Schemes Rates MCLR Loan EMI Participate & Win Stocks & Shares ET Wealth ET Wealth Editions Buy Wealth Magazine ET Wealth Newsletterīanks have been continuously raising interest rates on fixed deposits (FDs) of various tenures over the past one year.

Hdfc high return deposit