Bank FD Rtae: These 5 banks are giving the highest returns on FD, you will have to invest at least this much

Bank FD deposits up to ₹5 lakh are protected under the DICGC guarantee of the Reserve Bank of India (RBI).

If you do not want to take risk in investment and want to grow your savings in a safe and reliable way, then Fixed Deposit (FD) is a better option for you. There are some financial institutions which are offering you excellent returns. In the year 2025, there are also some leading small finance banks in the country which are giving up to 9% interest on FD, giving stable and attractive returns to the investors. This FD creates a source of assured income. Let us know here the FDs of those top 5 institutions which are offering you better returns.

Utkarsh Small Finance Bank

If you want to make an FD in Utkarsh Small Finance Bank, then you can make an FD here at a maximum interest rate of up to 8.50%. Here, a general customer can make an FD for 7 days to 10 years. Yes, at least Rs 5000 FD has to be made here.

Surya Small Finance Bank

This bank can also give you a better return on FD. In Suryodaya Small Finance Bank, you can make a fixed deposit at an interest rate of up to 8.40 percent. According to Motilal Oswal, at least Rs 5000 FD has to be made in this bank.

Shriram Finance

As an NBFC, Shriram Finance is also offering great interest on FD. In this, you can make an FD at an interest rate of up to 8.00%. At least Rs 5000 FD has to be made in this bank.

Shivalik Small Finance Bank

This bank is also offering great returns. According to the official website, you can get FD in Shivalik Small Finance Bank at an interest rate of up to 9.25 percent. This FD is special for women. In this bank also, you will have to get an FD of at least Rs 5000.

Bajaj Finance

Bajaj Finance is also a better option for FD, because here you can get fixed deposit at an interest rate of up to 8.90 percent. In this bank also it is mandatory to get an FD of at least Rs 5000.

Benefits of getting FD

The interest rate in FD is fixed in advance and it is not affected by market fluctuations. The investor knows in advance how much he will earn. The deposit amount in bank FD is protected up to ₹ 5 lakh under the DICGC guarantee of the Reserve Bank of India (RBI). This is the reason that the money deposited in your FD gets a security. Senior citizens get 0.25% to 0.75% more interest than the normal rates. You can easily take a loan of up to 90% against FD, so that you do not have to break the FD in case of need of money.

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