Best DICGC Insured Bank Fixed Deposit Rates in India
Compare the highest DICGC Insured Bank fixed deposit rates across top institutions. Find the best yield for your savings with peak returns updated for 2026.
Note:All scheduled commercial, small finance, and co-operative banks in this ranking are insured under RBI's DICGC scheme up to ₹5,00,000 per depositor.
Fixed Deposit Rankings
Rank | Bank Name | General Rate | Senior Citizen | Term | Bank Type |
|---|---|---|---|---|---|
| 1 | 8.25% | 8.50% +0.25% | 5 Years | Small Finance | |
| 2 | 8.10% | 8.25% +0.15% | 666 Days | Small Finance | |
| 3 | 8.10% | 8.60% +0.50% | 3y - 3y6m | Small Finance | |
| 4 | 8.00% | 8.50% +0.50% | 501 Days | Small Finance | |
| 5 | 8.00% | 8.25% +0.25% | 23 - 27 months | Small Finance | |
| 6 | 8.00% | 8.50% +0.50% | 26 Months 8 Days | Small Finance | |
| 7 | 8.00% | 8.30% +0.30% | 3 Years | Small Finance | |
| 8 | 8.00% | 8.50% +0.50% | 3 Years 1 Day | Small Finance | |
| 9 | 7.75% | 7.75% | 1.5 - 2 years | Small Finance | |
| 10 | 7.50% | 8.00% +0.50% | 60 - 61 months | Private | |
| 11 | 7.45% | 7.95% +0.50% | 2 - 3 years | Private | |
| 12 | 7.40% | 7.90% +0.50% | 30 - 36 months | Small Finance | |
| 13 | 7.30% | 7.80% +0.50% | 18m - 2y | Foreign | |
| 14 | 7.30% | 7.50% +0.20% | 556d - 3y | Private | |
| 15 | 7.30% | 7.75% +0.45% | 730 Days | Co-operative | |
| 16 | 7.25% | 7.30% +0.05% | 445 Days | Co-operative | |
| 17 | 7.25% | 7.75% +0.50% | 18 - 24 months | Private | |
| 18 | 7.25% | 7.70% +0.45% | 567 Days | Private | |
| 19 | 7.25% | 7.75% +0.50% | 600 Days | Small Finance | |
| 20 | 7.25% | 7.75% +0.50% | 1111 Days | Private |
Rates are sourced from official 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.