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	U Utkarsh Small Finance	8.10%	8.25% Base + 0.15%	666 days ~1.8 years	Small Finance
2	S Suryoday Small Finance	8.10%	8.25% Base + 0.15%	30m	Small Finance
3	U Unity Small Finance	7.80%	8.30% Base + 0.50%	501 days ~1.4 years	Small Finance
4	S Shivalik Bank	7.80%	8.30% Base + 0.50%	~ 21m - 22m	Small Finance
5	J Jana Small Finance	7.77%	8.00% Base + 0.23%	3y - 5y	Small Finance
6	S Slice Small Finance	7.75%	7.75%	~ 18m	Small Finance
7	E ESAF Small Finance	7.75%	8.25% Base + 0.50%	2y - 3y	Small Finance
8	E Equitas Small Finance	7.75%	8.25% Base + 0.50%	888 days ~2.4 years	Small Finance
9	U Ujjivan Small Finance	7.55%	8.05% Base + 0.50%	~ 3y - 3y6m	Small Finance
10	D DCB Bank	7.50%	8.00% Base + 0.50%	24m - 25m	Private
11	A AU Small Finance	7.40%	7.90% Base + 0.50%	~ 30m - 36m	Small Finance
12	I IDFC First Bank	7.35%	7.60% Base + 0.25%	500d - 3y	Private
13	C Catholic Syrian Bank	7.35%	7.50% Base + 0.15%	18m	Private
14	Y Yes Bank	7.25%	7.75% Base + 0.50%	~ 18m - 24m	Private
15	C City Union Bank	7.25%	7.50% Base + 0.25%	555 days ~1.5 years	Private

Investment Insight

Utkarsh Small Finance leads this category with a peak rate of 8.10% (666 Days). 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.