Fixed Deposits (FDs) are one of the most trusted and safe investment options in India. Whether you’re planning to save for a future goal or just want to grow your money safely, FDs offer stable returns with minimal risk. In this article, we’ll look at the latest Fixed Deposit Interest Rates in 2025 offered by top Indian banks and how you can easily invest using Mobile Banking, Net Banking, or financial platforms like Moneyview.
✅ What is a Fixed Deposit?
Banks and non banking financial companies (NBFCs) offer fixed deposits (FDs), which are financial instruments in which you deposit a large amount of money for a specific amount of time at an interest rate that has been set. You receive both the principle and interest at the end of the term.
FDs are popular among conservative investors because they offer:
- Assured returns
- Flexible tenures
- Loan facility against FD
- Higher rates for senior citizens
🏦 Bank-Wise Fixed Deposit Interest Rates (As of June 2025)
Here’s a comparison of Fixed Deposit Interest Rates offered by some of the top banks in India for regular citizens. Depending on the duration and deposit amount, the rates could change a little.
| Bank Name | 1 Year FD Rate | 2 Year FD Rate | 5 Year FD Rate | Senior Citizen Rates (approx.) |
| SBI (State Bank) | 6.80% | 7.00% | 6.50% | +0.50% extra |
| HDFC Bank | 7.00% | 7.25% | 7.00% | +0.50% extra |
| ICICI Bank | 7.10% | 7.25% | 6.90% | +0.50% extra |
| Axis Bank | 7.05% | 7.30% | 7.00% | +0.50% extra |
| Kotak Mahindra Bank | 7.00% | 7.10% | 6.75% | +0.50% extra |
| IDFC First Bank | 7.25% | 7.50% | 7.25% | +0.60% extra |
| Yes Bank | 7.50% | 7.75% | 7.50% | +0.75% extra |
| Bank of Baroda | 6.90% | 7.10% | 6.80% | +0.50% extra |
| PNB (Punjab National Bank) | 6.85% | 7.00% | 6.75% | +0.50% extra |
Note: These rates are subject to change. Please verify the latest rates using the bank’s website or mobile app.
📱 How to Open an FD Using Mobile Banking or Net Banking?
Gone are the days when you had to visit a branch to open a Fixed Deposit. In 2025, most banks allow you to open an FD from the comfort of your home using Mobile Banking or Net Banking.
👉 Steps to Open an FD via Mobile Banking:
- Login to your bank’s mobile app.
- Go to “Deposits” or “Fixed Deposit” section.
- Choose the deposit amount and tenure.
- Decide whether to pay interest on a quarterly, monthly, or yearly basis.
- Confirm and submit.
👉 Steps to Open an FD via Net Banking:
- Visit your bank’s official website and log in.
- Select “Fixed Deposit” from the “Investments” or “Accounts” menu.
- Enter deposit details – amount, duration, payout.
- Review and confirm the details.
- Submit and receive confirmation instantly.
Most banks also allow you to track your Fixed Deposit through mobile or net banking anytime.
💡 Benefits of Fixed Deposits in 2025
- ✅ Safe Investment: No market risk involved
- ✅ Guaranteed Returns: Interest is fixed for the entire term
- ✅ Loan Facility: Avail loan against FD without breaking it
- ✅ Easy to Manage: Fully digital process via mobile/net banking
🧓 Special FD Rates for Senior Citizens
In 2025, many banks offer additional interest of 0.50% to 0.75% for senior citizens. This makes FDs a great option for retirees looking for fixed income. For example:
- Senior persons receive 7.30% if SBI gives regular consumers 6.80%.
- Yes Bank offers up to 8.25% to senior citizens on selected tenures.
You can use Moneyview or bank apps to check which bank offers the highest return for your age and amount.
📊 FD Interest Payout Options
You have a choice in how your interest is paid when you open an FD:
- Monthly or Quarterly Payouts – Ideal for retirees or those needing regular income.
- Cumulative (at Maturity) – Interest is compounded and paid along with the principal at the end. Gives better returns over time.
🔧 Use Moneyview to Compare and Invest in FDs
If you want to compare interest rates across multiple banks, platforms like Moneyview make it easy. You can:
- View live FD interest rates
- Compare tenure-wise returns
- Invest directly through the app
- Get reminders for maturity dates
Moneyview is a trusted digital financial platform in India that helps users manage and grow their money smartly.
🏁 Final Thoughts
In 2025, FDs still an intelligent and secure investment for the comsumer. Investing in a fixed deposit is now simpler than ever thanks to increased interest rates and online banking choices. To compare, invest, and monitor your FDs without going to the branch, use Mobile Banking, Net Banking, or apps like Moneyview.
FDs are definitely something to think about if you’re searching for an investment with little risk with steady returns. Plan for the future, pick a bank with the greatest fixed deposit interest rate, and begin saving right now!
I am a digital marketing executive as well as content writer in the banking blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of banking.
