Best DICGC Insured Fixed Deposit Rates in India

Compare the highest DICGC Insured fixed deposit rates across top Indian banks. Find the best yield for your savings with peak returns updated for 2025.

Fixed Deposit Rankings

Rank	Bank Name	General Rate	Senior Citizen	Term	Bank Type
1	S Sukanya Samriddhi	8.20%	8.20%	21y	Gov. Scheme
2	U Utkarsh Small Finance Bank	8.10%	8.25% Base + 0.15%	666 days ~1.8 years	Small Finance
3	S Suryoday Small Finance Bank	8.10%	8.25% Base + 0.15%	30m	Small Finance
4	S Shivalik Bank	8.00%	8.50% Base + 0.50%	~ 23m - 27m	Small Finance
5	J Jana Small Finance Bank	8.00%	8.30% Base + 0.30%	2y - 3y	Small Finance
6	E Equitas Small Finance Bank	8.00%	8.50% Base + 0.50%	3y1d ~3 years	Small Finance
7	U Unity Small Finance Bank	7.80%	8.30% Base + 0.50%	501 days ~1.4 years	Small Finance
8	U Ujjivan Small Finance Bank	7.80%	8.30% Base + 0.50%	2y	Small Finance
9	S Slice Small Finance Bank	7.75%	7.75%	~ 18m	Small Finance
10	E ESAF Small Finance Bank	7.75%	8.25% Base + 0.50%	2y - 3y	Small Finance
11	N National Savings Certificate	7.70%	7.70%	5y	Gov. Scheme
12	D DCB Bank	7.50%	8.00% Base + 0.50%	24m - 25m	Private
13	P Post Office	7.50%	7.50%	5y	Gov. Scheme
14	K Kisan Vikas Patra (KVP)	7.50%	7.50%	9y7m	Gov. Scheme
15	B Bandhan Bank	7.45%	7.95% Base + 0.50%	2y - 3y	Private

Investment Insight

Sukanya Samriddhi leads this category with a peak rate of 8.20% (21 Years). Compare all 15 options to find the best fit for your investment goals.

Rates are sourced from official bank disclosures and updated regularly. Always verify with the respective institution before making investment decisions. Rankings are based on the highest advertised rate for the applicable tenure.