The recent round of yield revisions spans multiple state-run and private institutions, including Punjab National Bank, Canara Bank, and Bank of Baroda. While the broader banking sector now features five-year peak rates of up to 8.25% for regular depositors and 8.60% for senior citizens, large private lenders like HDFC Bank and ICICI Bank top out at 6.60% and 7.20% respectively. Additionally, public sector banks have targeted specific windows, such as Bank of Baroda introducing a 7.45% return for super senior citizens on its 555-day scheme.
Key points
Senior citizens continue to benefit from preferential margins that elevate their yields a…: Senior citizens continue to benefit from preferential margins that elevate their yields above standard customer rates across multiple tenures.
Lenders such as Canara Bank, Bank of Baroda, and Indian Overseas Bank have selectively ra…: Lenders such as Canara Bank, Bank of Baroda, and Indian Overseas Bank have selectively raised returns on specific short-to-medium durations like 444-day and 555-day products.
Major private players HDFC Bank and ICICI Bank have capped their peak offerings at 6.60%…: Major private players HDFC Bank and ICICI Bank have capped their peak offerings at 6.60% for general customers on three- to five-year terms.
Sources checked by our analysis pipeline: 1
If you are planning to invest in a fixed deposit (FD), it is worth checking the latest interest rates offered by banks before locking in your money. Several banks, including HDFC Bank, ICICI Bank, Bank of Baroda, Indian Overseas Bank and Federal Bank, have revised their FD rates in the last one month.
These banks have increased FD interest rates on select FD tenures, providing up to 8.25% interest rate to general customers and up to 8.60% rate to senior citizens.
Here is a look at the latest FD interest rates offered by major banks. These also include the highest FD interest rates banks are providing to general customers and senior citizens.
The revised FD rates are effective from November 4, 2026, as per the bank's website.
Earlier, the bank was offering a 6.75% rate on the same tenure to the general public.
The revised FD rates are applicable from November 12, 2026.
The highest interest rate offered to senior citizens is 7.25% on 444 days. The revised FD rates of Indian Overseas Bank are effective from November 10, 2026.
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