Synopsis: This article lists the 1year, 3 year, 5 year and 10-year interest rates and tenure range of small finance banks, private sector banks, and public sector banks. It also highlights the highest slab of each bank.
Fixed deposits seem like the safe option given the market volatility and uncertainty. The interest rates of the leading lenders in India vary between 4-7%. Depositors can get up to 7.9% as interest in February 2026.
Interest Rate of FDs in Small Finance Banks
Interest Rate of FDs in Private Sector Banks
Interest Rate of FDs in Public Sector Banks
Source: Interest rate data and bank details mentioned in this article have been compiled using information available on Paisabazaar and are for informational purposes only. Rates are subject to change as per bank policies
Conclusion
With interest rates reaching 7.90% in February 2026, it seems like a good time for depositors to invest for stable and predictable returns. However, investors must also look at factors like deposit insurance coverage, how the term matches their financial goals, liquidity needs, and their overall risk tolerance before committing funds.
Written by Nila Maria Jacob
