Do you want to increase your money in 2025 in a safe and trusted behaviour? For Indian investors, fixed deposits (FDs) and recurring deposits (RDs) remain among the most trusted and popular options. FDs and RDs given by Top Banks offer security, reasonable interest rates, and easy access through Online Banking, Mobile Banking, and Net Banking, whether you’re saving for the future, creating an emergency fund, or making plans for immediate objectives.

The top Indian banks’ 2025 FD and RD plans will be discussed in this blog, along with their features, interest rates, and simplicity of management through tools like Moneyview.

📌 What Are FDs and RDs?

🔒 Fixed Deposits (FDs)

A fixed deposit is an only once investment in which a payment in one go is made at a fixed interest rate for a specific amount of time. You receive your principal and interest back at the conclusion of the period.

💡 Recurring Deposits (RDs)

An RD is a monthly deposit scheme. You invest a small amount every month, and the bank pays you interest on the total deposit at the end of the tenure.

Both FDs and RDs are low-risk investment options and ideal for conservative investors.

🏦 Why Choose FDs or RDs in 2025?

• Stable Returns: No risk of market fluctuation
  
• Flexible Tenures: From 7 days to 10 years
  
• Easy to Start: Open via through banks, Mobile Banking or Net Banking
  
• Loan Against FD: Need urgent cash? You can get a instant loan against your FD
  
• Tax Benefits: 5-year tax-saving FDs offer deductions under section 80C
  

🌟 Top Bank FD & RD Plans in 2025

Let’s review the top FD and RD programs that India’s top banks have to offer: 

1️⃣ State Bank of India (SBI)

• FD Interest Rate: 6.5% to 7.1% p.a. (senior citizens get 0.5% extra)
  
• RD Interest Rate: Similar to FDs, based on tenure
  
• Tenure: 7 days to 10 years
  
• Features:
  
  • Easy to manage via Online Banking
    
  • Auto-renewal and premature withdrawal options
    
  • Tax-saver FDs available
    

2️⃣ HDFC Bank

• FD Interest Rate: 6.6% to 7.2% p.a.
  
• RD Interest Rate: 6.5% to 7% p.a.
  
• Tenure: 6 months to 10 years
  
• Features:
  
  • Quick FD/RD opening via Mobile Banking
    
  • Auto debit from savings account
    
  • Higher rate for senior citizens
    

3️⃣ ICICI Bank

• FD Interest Rate: 6.4% to 7.1% p.a.
  
• RD Interest Rate: Similar to FDs
  
• Tenure: 6 months to 10 years
  
• Features:
  
  • Supports deposits through Net Banking
    
  • Flexible investment and withdrawal options
    
  • Available on Moneyview app
    

4️⃣ Axis Bank

• FD Interest Rate: 6.7% to 7.1% p.a.
  
• RD Interest Rate: Up to 7% p.a.
  
• Tenure: 6 months to 10 years
  
• Features:
  
  • Special FD offers for senior citizens
    
  • Auto sweep-in FD feature available
    
  • Easy tracking via Mobile Banking
    

5️⃣ Kotak Mahindra Bank

• FD Interest Rate: 6.6% to 7.25% p.a.
  
• RD Interest Rate: Up to 7.1% p.a.
  
• Tenure: 6 months to 10 years
  
• Features:
  
  • Best for short-term deposits
    
  • Option to open FDs via Online Banking
    
  • Simple and fast RD setup via mobile app
    

💻 How to Open an FD or RD Using Online Platforms

Gone are the days when you had to visit the branch. Today, you can open an FD or RD in just a few minutes using:

✅ Mobile Banking Apps

All major banks provide their own mobile apps where you can:

• Open, renew, or close deposits
  
• Track maturity dates
  
• View interest earnings
  
• Set auto-debit instructions
  

✅ Net Banking Portals

Login to your bank’s website, go to the deposits section, and start a new FD or RD instantly.

✅ Moneyview App

Moneyview is a personal finance and loan app that also lets you:

• Compare FD interest rates
  
• Apply for loans against your FD
  
• Get financial planning tips
  
• Manage all your bank accounts in one place
  

📝 Tips to Choose the Right FD or RD in 2025

1. Compare Interest Rates: Always check which Top Bank is offering the highest return for your desired tenure.
   
2. Check Premature Withdrawal Rules: Some banks charge penalties; others don’t.
   
3. Consider Tax Implications: Choose 5-year tax-saving FDs if you want tax benefits.
   
4. Use Online Tools: FD and RD calculators on Online Banking portals or Moneyview help you plan better.
   
5. Keep Liquidity in Mind: Don’t lock in all your funds; keep some money accessible for emergencies.
   

🔚 Final Thoughts

The greatest investment options for those who prefer steady development and little risk are still FDs and RDs. Indian banks are making investing easier than ever in 2025 by providing digital comfort and low interest rates.

It only takes a few clicks to open and manage your deposits via Mobile Banking, Net Banking, and websites like Moneyview. There is an FD or RD plan for everyone, no matter your status student, professional, or retired.

Get an affordable fixed deposit or recurring deposit from a top bank today, then look over the options above, compare features, and begin increasing your money!

Lucky Negi

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.