Fixed Deposit (FD)
Secure & Predictable Savings growth
Protect your savings and earn guaranteed returns. Compare the latest FD interest rates across major public/private banks and NBFCs with yields up to 8.75% p.a.
- Yields up to 8.75% p.a.
- Extra 0.50% for Seniors
- Tenures: 7 days to 10 yrs
- DICGC Insured up to ₹5L
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Latest FD Interest Rates (2026)
Compare fixed deposit interest rates from top banks and NBFC partners to get the best yields on your investment.
| Bank / NBFC Partner | Regular Interest Rate (p.a.) | Senior Citizen Rate (p.a.) | Minimum Investment |
|---|---|---|---|
| Unity Small Finance Bank | 8.50% - 9.00% | 9.00% - 9.50% | ₹10,000 |
| Shriram Finance FD | 7.80% - 8.60% | 8.30% - 9.10% | ₹5,000 |
| HDFC Bank | 7.25% - 7.75% | 7.75% - 8.25% | ₹10,000 |
| ICICI Bank | 7.20% - 7.75% | 7.70% - 8.25% | ₹10,000 |
| State Bank of India (SBI) | 6.80% - 7.25% | 7.30% - 7.75% | ₹1,000 |
Popular Types of Fixed Deposits
Choose an FD scheme matching your immediate liquidity and payout needs.
📈 Cumulative FDs
Interest is compounded quarterly and paid upon maturity along with the principal. Perfect for long-term wealth accumulation.
💰 Non-Cumulative FDs
Interest is paid out regularly at selected monthly, quarterly, or half-yearly intervals. Excellent for retirees seeking active regular income.
🛡️ Tax-Saving FDs
Provides tax deductions under Section 80C up to ₹1.5 Lakhs per year. These schemes carry a mandatory lock-in period of 5 years.
🔄 Flexi FDs (Sweep-In)
Linked directly with your savings bank account. Excess cash is automatically swept into high-interest FDs without affecting liquidity.
Key Features of Guardian FD Advisory
Understand the core parameters that make Fixed Deposits a classic choice for secure savings.
Safety & Insurability
- DICGC Insurance: All scheduled bank deposits are insured up to ₹5 Lakhs.
- NBFC Credit Ratings: We only partner with AAA/AA+ rated corporate entities.
- Guaranteed Yields: Rate locked at opening remains unchanged regardless of market corrections.
Liquidity & Loans
- Premature Withdrawal: Withdraw partially or fully before tenure by paying minor 0.5%-1% penal charges.
- Loan Against FD: Secure overdraft limits up to 90% of your FD value without breaking the deposit.
- Zero Risk: Market fluctuations have zero effect on your maturity payouts.
Frequently Asked Questions
The debt-to-income (DTI) ratio is the percentage of your monthly income that goes toward paying off existing debts (EMIs). Lenders prefer a DTI ratio below 40% to 50%. A high DTI ratio suggests you might be over-leveraged, which increases risk and can lead to loan rejection even if you have a good credit score.
Lenders look at several key factors: 1) Your credit score and repayment history, 2) Monthly net income and stability of employment, 3) Your age (typically between 21 and 60/65 years), 4) Your debt-to-income ratio, and 5) The type of employer you work for (corporate employees, PSU employees, and government staff are often considered low-risk).
In addition to the interest rate, you should watch out for: 1) Processing fees (usually 0.5% to 3% of the loan amount), 2) Prepayment or foreclosure charges (fees for paying off the loan early), 3) Documentation or stamp duty charges, and 4) Late payment fees or bounce charges in case of missed payments.