Fixed Deposit (FD) Rates for May 2026

Base rate

Senior Citizen (60 yr+)

Super Senior Citizen (80 yr+)

Rank	Bank Name	Base Rate	Term	Bank Type	Effective
1	Muthoot Capital	8.95%	36 months	NBFC	07-Feb-26
2	Jana Small Finance	8.11%	370 - 380 days	Small Finance	19-May-26
3	Utkarsh Small Finance	8.10%	666 days ~1.8 years	Small Finance	05-May-26
4	Suryoday Small Finance	8.10%	30 months	Small Finance	29-Mar-26
5	Shivalik Bank	7.80%	~ 21 - 22 months	Small Finance	27-Feb-26
6	Slice Small Finance	7.75%	~ 18 months	Small Finance	17-Sep-25
7	ESAF Small Finance	7.75%	2 - 3 years	Small Finance	01-May-26
8	Unity Small Finance	7.50%	12 months	Small Finance	09-Feb-26
9	Post Office	7.50%	5 years	Post Office	01-Jan-25
10	Ujjivan Small Finance	7.45%	24 months	Small Finance	05-Aug-25
11	Mahindra Finance	7.45%	48 months	NBFC	22-May-26
12	Equitas Small Finance	7.40%	888 days ~2.4 years	Small Finance	02-Mar-26
13	Bajaj Finserv	7.40%	31 - 60 months	NBFC	01-May-26
14	Catholic Syrian Bank	7.35%	18 months	Private	06-Apr-26
15	IDFC First Bank	7.25%	500d - 2y	Private	18-Apr-26
16	Tamilnad Merc. Bank	7.25%	567 days ~1.6 years	Private	10-Apr-26
17	Bandhan Bank	7.25%	2 - 3 years	Private	25-Mar-26
18	DCB Bank	7.25%	24 - 25 months	Private	02-May-26
19	J&K Bank	7.25%	888 days ~2.4 years	Private	11-Feb-26
20	AU Small Finance	7.25%	~ 30 - 36 months	Small Finance	23-Apr-26
21	Shriram Finance	7.25%	36 - 60 months	NBFC	06-May-26
22	Dhanlaxmi Bank	7.25%	1111 days ~3 years	Private	26-May-26
23	Karur Vysya Bank	7.20%	400 days ~1.1 years	Private	06-Apr-26
24	RBL Bank (Ratnakar)	7.20%	18 - 36 months	Private	24-Sep-25
25	Capital Small Finance	7.15%	600 days ~1.6 years	Small Finance	29-Apr-26
26	ICICI Home Finance	7.10%	45 months	NBFC	01-Sep-25
27	Deutsche Bank	7.00%	1 - 1.5 years	Foreign	25-Jul-25
28	City Union Bank	7.00%	400 days ~1.1 years	Private	15-Apr-26
29	IndusInd Bank	7.00%	1y 6m - 1y 7m	Private	25-Sep-25
30	Yes Bank	7.00%	~ 18 - 24 months	Private	05-Mar-26
31	Sundaram Finance	7.00%	24 months	NBFC	01-Jul-25
32	PNB Housing Finance	6.90%	36 - 47 months	NBFC	01-Jan-26
33	LIC Housing Finance	6.90%	5 years	NBFC	19-Jun-25
34	DBS Bank	6.85%	376 - 400 days	Foreign	06-May-26
35	Doha Bank	6.85%	13 - 18 months	Foreign	14-Oct-25
36	Kotak Bank	6.80%	2 - 3 years	Private	14-May-26
37	South Indian Bank	6.80%	30 months	Private	14-May-26
38	Karnataka Bank	6.75%	555 days ~1.5 years	Private	11-Apr-26
39	Punjab & Sind Bank	6.75%	666 days ~1.8 years	Public	16-Feb-26
40	Federal Bank	6.75%	36 months	Private	12-Mar-26
41	Bank of India	6.70%	3 years	Public	18-May-26
42	Central Bank of India	6.65%	333 days ~0.9 years	Public	10-May-26
43	Bank of Maharashtra	6.65%	400 days ~1.1 years	Public	08-Jan-26
44	Standard Chartered	6.60%	1y - 376d	Foreign	22-Dec-25
45	Indian Bank	6.60%	444 days ~1.2 years	Public	03-Mar-26
46	Indian Overseas Bank	6.60%	444 days ~1.2 years	Public	15-May-26
47	Nainital Bank	6.60%	444 days ~1.2 years	Private	10-Apr-26
48	Punjab National Bank	6.60%	444 days ~1.2 years	Public	24-Feb-26
49	Union Bank of India	6.60%	444 days ~1.2 years	Public	20-Apr-26
50	Canara Bank	6.60%	555 days ~1.5 years	Public	17-Mar-26
51	IDBI Bank	6.50%	2 - 3 years	Private	23-Feb-26
52	HDFC Bank	6.50%	~ 3y - 4y 7m	Private	06-Mar-26
53	ICICI Bank	6.50%	~ 3 - 5 years	Private	30-Dec-25
54	Bank of Baroda	6.45%	444 days ~1.2 years	Public	05-Jan-26
55	State Bank of India	6.45%	444 days ~1.2 years	Public	15-Dec-25
56	UCO Bank	6.45%	444 days ~1.2 years	Public	01-Apr-26
57	Axis Bank	6.45%	15 - 18 months	Private	05-Feb-26
58	Barclays Bank	5.89%	4 - 5 years	Foreign	13-May-26
59	HSBC Bank	5.50%	601 - 699 days	Foreign	17-Jul-25

1.Source: Official bank websites.
2.Rates displayed are for retail callable deposits less than ₹ 3cr, unless otherwise specified on the details page of the banks.

Bank	Term	Base Rate
#1 Jana Small Finance	370 - 380 days	8.11%
#2 Utkarsh Small Finance	666 days	8.10%
#3 Suryoday Small Finance	30 months	8.10%
#4 Shivalik Bank	~ 21 - 22 months	7.80%
#5 ESAF Small Finance	2 - 3 years	7.75%
#6 Slice Small Finance	~ 18 months	7.75%
#7 Unity Small Finance	12 months	7.50%
#8 Ujjivan Small Finance	24 months	7.45%
#9 Equitas Small Finance	888 days	7.40%
#10 AU Small Finance	~ 30 - 36 months	7.25%
#11 Capital Small Finance	600 days	7.15%

Bank	Term	Senior Rate
#1 Muthoot Capital	36 months	9.20%
#2 Shivalik Bank	~ 21 - 22 months	8.30%
#3 ESAF Small Finance	2 - 3 years	8.25%
#4 Utkarsh Small Finance	666 days	8.25%
#5 Suryoday Small Finance	30 months	8.25%
#6 Jana Small Finance	370 - 380 days	8.11%
#7 Equitas Small Finance	888 days	8.00%
#8 Unity Small Finance	12 months	8.00%
#9 Ujjivan Small Finance	24 months	7.95%
#10 DCB Bank	60 - 61 months	7.85%

Best FD Rates for May 2026

Bank Type

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Base rate

Senior Citizen (60 yr+)

Super Senior Citizen (80 yr+)

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