Top 10 Bank FD Schemes in 2025 – In 2025, fixed deposits (FDs) continue to remain one of the most reliable investment avenues for conservative investors in India. With changes in repo rates and monetary policy over the past year, several banks especially smaller finance institutions have begun offering attractive interest rates, sometimes reaching close to or even exceeding 9 percent annually. These returns are not only secure but also predictable, making them an excellent choice for individuals who value capital preservation and consistent growth.
Fixed deposits are favored for their simplicity, guaranteed returns, and low risk. Unlike market-linked instruments, FDs offer safety, especially with insurance coverage up to ₹5 lakh per bank under the Deposit Insurance and Credit Guarantee Corporation (DICGC). The interest rates differ across institutions and tenures, and senior citizens typically receive additional benefits through preferential rates. Let’s explore ten of the most promising FD schemes offered by Indian banks in 2025, along with the key reasons why they stand out.
Unity Small Finance Bank
Unity Small Finance Bank has emerged as a top choice for fixed deposit investors in 2025. Offering a maximum interest rate of up to 8.60 percent for regular depositors and as much as 9.10 percent for senior citizens, it provides one of the most lucrative options in the banking sector today. The bank is gaining credibility steadily, and for investors willing to look beyond the bigger names, Unity SFB presents an opportunity to earn more without compromising too much on security. Its FD offerings are particularly attractive for medium to long-term investment periods.
Suryoday Small Finance Bank
Suryoday Small Finance Bank is another strong contender with its FD schemes providing up to 8.40 percent interest for regular customers. Senior citizens receive an additional margin, taking the effective rate up to 8.80 percent. Known for its focused retail banking operations and steady performance, Suryoday appeals to those seeking high-yielding FDs without venturing into riskier assets. The bank offers multiple tenure options, which makes it easier for depositors to plan laddered investments or customize their portfolios.
Utkarsh Small Finance Bank
Utkarsh Small Finance Bank continues to offer attractive FD returns in 2025, with rates reaching 8.25 percent for general depositors and 8.75 percent for senior citizens. As with many small finance banks, these rates are applicable for specific tenures, typically ranging from 12 months to 24 months. The bank’s rising popularity and expanding branch network also contribute to greater accessibility and trust among depositors. Investors who wish to optimize returns while diversifying across smaller financial institutions may find this a rewarding choice.
Jana Small Finance Bank
Jana Small Finance Bank is providing fixed deposit interest rates of up to 8.20 percent for regular depositors and 8.70 percent for senior citizens. The bank is known for maintaining a balanced risk profile while offering higher-than-average FD rates. Its FD plans are structured in a way that allows flexibility and accessibility, whether you are parking short-term surplus funds or investing for retirement. With improving service infrastructure and regulatory backing, Jana SFB stands tall among its peers.
Shivalik Small Finance Bank
Shivalik Small Finance Bank, a relatively newer name in the banking landscape, is offering FD rates up to 8.05 percent for regular depositors and 8.55 percent for senior citizens. While the absolute numbers might be slightly lower than the top contenders, the bank has built a reputation for customer-friendly service and hassle-free digital account operations. For investors seeking to diversify their FD holdings across smaller banks, Shivalik offers both safety and performance, particularly over mid-range tenures of 1 to 2 years.
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank continues to retain its position as a reliable high-interest FD provider in 2025. With rates going up to 8.05 percent for general investors and 8.55 percent for senior citizens, it remains competitive in the market. Ujjivan’s strong urban and semi-urban presence enhances convenience for investors across various demographics. The bank’s FD products are also known for flexible reinvestment and interest payout options, which can be tailored to suit the financial needs of different customer segments.
SBM Bank India
SBM Bank India is offering fixed deposit rates of up to 8.05 percent for regular depositors and 8.55 percent for seniors. Unlike some of the other banks on this list, SBM is a foreign bank operating in India, and its strong global connections lend additional confidence to depositors. It has been increasing its footprint in retail banking, and the elevated FD rates are part of its strategy to attract new customers. For those looking for a stable bank that is not part of the SFB category, SBM stands out as a worthwhile option.
DCB Bank
DCB Bank continues to provide reliable FD returns, offering rates of up to 7.75 percent for regular customers and 8.25 percent for senior citizens. Although it does not offer the absolute highest rate in the market, its standing as a traditional private sector bank with a long-standing presence gives it an edge in terms of trust. Many conservative investors still prefer DCB due to its stable performance, transparency, and wider range of financial services that complement FD investments.
Bandhan Bank
Bandhan Bank is offering FD rates reaching up to 7.75 percent for regular customers and 8.25 percent for seniors. As one of the largest small finance institutions to transition into a full-fledged bank, Bandhan enjoys a strong retail presence and credibility. Its rates are attractive, and the bank’s tenure options allow for short, medium, and long-term FDs to be structured according to the investor’s financial goals. Its widespread branch network further enhances accessibility for depositors across urban and rural India.
IndusInd Bank
IndusInd Bank has positioned itself well among private sector players, offering fixed deposit interest rates of up to approximately 7.99 percent for general depositors and up to 8.49 percent for senior citizens. While not the absolute highest, the rates remain very competitive, especially when combined with the strength of the institution and its seamless online banking experience. For investors who are wary of parking funds in small finance banks but still want returns approaching the 9 percent mark, IndusInd provides an excellent middle ground.
Final Thoughts on Choosing the Right FD in 2025
In the current financial landscape, where market volatility and inflation are pressing concerns, fixed deposits offer peace of mind and guaranteed growth. While small finance banks lead the interest rate race, traditional banks provide enhanced stability and broader financial services. A well-planned FD strategy in 2025 may involve distributing funds across multiple banks and tenures to minimize risk and maximize returns. Senior citizens, in particular, should take advantage of preferential rates available exclusively to them.
Investing in high-interest FD schemes this year can be a rewarding decision if approached with proper research and planning. Whether your goal is capital preservation, monthly income, or safe returns over time, the above-listed banks provide options that suit a wide range of financial needs. Always review the terms, penalties for early withdrawal, compounding frequency, and applicable taxes before locking in your funds.
If you’re ready to invest but unsure which FD matches your risk appetite and tenure preference, a bit of personal financial assessment can go a long way. With banks offering returns as high as 9 percent, 2025 is proving to be a golden year for smart, low-risk fixed income investments.
Disclaimer: The interest rates mentioned are subject to change based on bank policies. Investors are advised to verify details with the respective banks before investing. This content is for informational purposes only and does not constitute financial advice.