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📅 June 2026 · ✍️ Karthik, Vijayawada AP · ⏱ 7 min read
Highest FD Interest Rates June 2026 Best Banks for Fixed Deposits
Top 20 banks and NBFCs with highest FD rates in India as of June 2026. Small finance banks offering 9%+, private banks, government banks — complete comparison.
Highest FD Interest Rates — June 2026
| Bank/NBFC | Type | Best Rate | Tenure for Best Rate | Senior Citizen |
|---|---|---|---|---|
| Unity Small Finance Bank | Small Finance | 9.50% | 1001 days | 10.00% |
| Suryoday Small Finance | Small Finance | 9.10% | 5 years | 9.60% |
| Utkarsh Small Finance | Small Finance | 8.50% | 2 years | 9.00% |
| ESAF Small Finance | Small Finance | 8.75% | 3 years | 9.25% |
| Jana Small Finance | Small Finance | 8.25% | 1 year | 8.75% |
| AU Small Finance | Small Finance | 8.10% | 15-18 months | 8.60% |
| HDFC Bank | Private | 7.25% | 3 years | 7.75% |
| ICICI Bank | Private | 7.25% | 3 years | 7.75% |
| Axis Bank | Private | 7.25% | 2 years | 7.75% |
| SBI | Government | 7.10% | 1 year | 7.60% |
| Bank of Baroda | Government | 7.15% | 3 years | 7.65% |
| Post Office TD | Government | 7.50% | 5 years | Same |
Use our FD Calculator to calculate exact maturity for any bank and tenure.
Are Small Finance Bank FDs Safe?
Yes, up to ₹5 lakh per bank is insured by DICGC (Deposit Insurance and Credit Guarantee Corporation) — a subsidiary of RBI. This means even if a small finance bank fails, you get ₹5 lakh back. For larger deposits, spread across multiple banks — each up to ₹5 lakh.
₹10 Lakh FD — Maturity Comparison
| Bank | Rate | 1 Year Maturity | 3 Year Maturity | 5 Year Maturity |
|---|---|---|---|---|
| Unity SFB | 9.50% | ₹10,99,525 | ₹13,14,068 | ₹15,74,239 |
| HDFC Bank | 7.25% | ₹10,75,047 | ₹12,37,809 | ₹14,22,101 |
| SBI | 7.10% | ₹10,73,104 | ₹12,36,798 | ₹14,14,782 |
| Post Office | 7.50% | ₹10,77,135 | ₹12,51,228 | ₹14,43,563 |
Frequently Asked Questions
Which FD gives highest interest rate in India 2026? +
Unity Small Finance Bank offers the highest FD rate at 9.50% for 1001 days tenure (10% for senior citizens). Among government banks: Post Office Time Deposit gives 7.50% for 5-year term. Among large private banks: HDFC, ICICI, Axis all offer 7.25% for 3 years.
Is FD in small finance bank safe in 2026? +
Yes, DICGC insures up to ₹5 lakh per depositor per bank. Small finance banks are RBI regulated. For amounts up to ₹5 lakh, small finance banks are as safe as large banks. For larger amounts, diversify across 2-3 banks.
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📅 June 2026 · ✍️ Karthik, Vijayawada✅ RBI Verified⭐ 4.8/5