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Best 12-month fixed deposit rates in India

Best 12-month rate per provider for a ₹100,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Ujjivan Small Finance BankDomestic Fixed Deposit (below ₹3 crore)	7.25%≈ ₹7,250 in 12 months	12 months	Not stated	Board rate General rate; senior citizens get +0.50%; Deposits below ₹3 crore	Go to bank
IDFC FIRST BankFixed Deposit (below ₹3 crore)	6.50%≈ ₹6,500 in 12 months	12 months	Not stated	Board rate General rate; senior citizens get more; Deposits below ₹3 crore	Go to bank
AU Small Finance BankRetail Fixed Deposit (below ₹3 crore)	6.35%≈ ₹6,350 in 12 months	12 months	Not stated	Board rate General rate (senior citizens: separate table); Deposits below ₹3 crore; Interest rate column, not annualised yield	Go to bank
Kotak Mahindra BankFixed Deposit (below ₹3 crore, premature withdrawal allowed)	6.35%≈ ₹6,350 in 12 months	12 months	₹5,000 +	Board rate Regular (non-senior) rate; Deposits below ₹3 crore; Minimum ₹5,000	Go to bank
Axis BankDomestic Fixed Deposit (below ₹3 crore), key tenures	6.25%≈ ₹6,250 in 12 months	12 months	Not stated	Board rate General rate; senior citizens get more; Deposits below ₹3 crore; Only the key tenures shown on the page; full chart behind 'View rates'	Go to bank
Bank of BarodaFixed Deposit, callable (below ₹3 crore)	6.25%≈ ₹6,250 in 12 months	12 months	Not stated	Board rate General public rate; senior citizens get more; Domestic deposits below ₹3 crore; Rows labelled 'Above 1 year ...' are not parsed	Go to bank
HDFC BankFixed Deposit (below ₹3 crore)	6.25%≈ ₹6,250 in 12 months	12 months	Not stated	Board rate General rate; senior citizens (60+, resident) get more; Deposits below ₹3 crore	Go to bank
Punjab National BankDomestic Fixed Deposit (below ₹3 crore)	6.25%≈ ₹6,250 in 12 months	12 months	Not stated	Board rate Rate for the public; senior and super-senior citizens get more; Deposits below ₹3 crore	Go to bank
State Bank of IndiaRetail Domestic Term Deposit (below ₹3 crore)	6.25%≈ ₹6,250 in 12 months	12 months	Not stated	Board rate General public rate; senior citizens get more (separate column); Deposits below ₹3 crore	Go to bank

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Deposit protection: DICGC

Limit₹500,000

DICGC insures deposits (savings, current, fixed, recurring) at insured banks up to ₹5 lakh per depositor per bank, principal and interest combined, across all accounts held in the same right and capacity. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.