Are you afraid of stock market risks? So invest money in FD schemes of these government and private banks, earn risk free. – ..

By Samira Vishwas On Dec 7, 2025

News India Live, Digital Desk: No matter how much we Indians hear about the share market or mutual funds, when it comes to keeping our hard-earned money safe, even today our first belief is Fixed Deposit (FD) But it happens. After all, why not? There is no fear of losing money and timely returns are guaranteed.

If you are also thinking of depositing some money in the bank, or your old FD is going to be renewed, then there is very good news for you. Big banks of the country have made their efforts to attract customers. Interest Rates Has increased.

Yes, SBI, HDFC, ICICI And many other banks have revised their FD rates. Let us understand in simple language which bank is ready to fill your pocket.

War breaks out between banks, customer benefits

At present there is a kind of race going on among the banks ‘who will get more deposits’. That’s why they are offering higher interest rates to attract customers.

SBI (State Bank of India): How could the country’s largest government bank remain behind? SBI has increased the interest rates on its FDs of different tenures. Especially in special schemes like ‘Amrit Kalash’, even more benefits are available.
HDFC and ICICI Bank: These two big private sector banks are also giving tough competition. Some of their schemes are giving returns ranging from 7.5% to 8% (depending on the tenure). If you use internet banking, you can check the new rates there.

The struggle of senior citizens (elderly people)

The elders of our house keep their pension or retirement money in FD only. Banks have taken special care of them. senior citizens compared to ordinary citizens 0.50% (half percent) Get extra interest. After the new changes, the elderly are getting very handsome interest in some schemes, which will help them in fighting inflation.

How to take the right decision?

Friends, do not go to the bank blindly before getting an FD. Show some smartness:

Compare: Look at the rates of government and private banks side by side. Small finance banks offer even higher interest (sometimes up to 9%), but risk and trust have their place.
Keep track of time: Often the highest interest is available on FDs of 1 year, 444 days or 3 years. So choose the right ‘Time Period’ as per your need.