April 2026 FD Interest Rates: Compare SBI, HDFC, ICICI, and Yes Bank Offers

Q: What is the highest FD rate currently available?

The highest FD rate is **7.75%** offered by Yes Bank for senior citizens on deposits over three years.

Original: Bank FDs earn up to 7.75%! Check latest interest rate in April 2026—compare SBI, HDFC, ICICI and Yes Bank fixed deposits

Mint•Apr 6, 20264 min

In a Nutshell

In April 2026, fixed deposit (FD) interest rates vary among major Indian banks, with Yes Bank offering the highest rate of 7.75% for senior citizens on deposits over three years. SBI, HDFC, and ICICI follow with competitive rates, making FDs a reliable investment option for conservative investors.

Key Points

01Yes Bank offers the highest FD rate of 7.75% for senior citizens.
02SBI provides up to 6.95% for senior citizens on two-year deposits.
03HDFC Bank's top rate is 6.95% for senior citizens on specific tenures.
04ICICI Bank offers 7.10% for senior citizens on three to five-year deposits.
05Regular customers generally receive lower rates compared to senior citizens.

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Full Summary

As of April 2026, fixed deposits (FDs) remain a popular investment choice in India, providing higher interest rates compared to savings accounts. Yes Bank leads with an attractive 7.75% interest rate for senior citizens on deposits exceeding three years. State Bank of India (SBI) offers 6.95% for senior citizens on two-year deposits, while HDFC Bank provides 6.95% for similar tenures. ICICI Bank's highest rate is 7.10% for senior citizens investing in three to five-year FDs. Regular customers typically receive lower rates, with SBI offering 6.45%, HDFC at 6.50%, and ICICI Bank also at 6.50%. Investors are encouraged to compare rates before committing to an FD, as banks often provide better rates for longer tenures and senior citizens.