Top banks offering best fixed deposit rates in October 2025: Check list

Fixed Deposit (FD) is a safe way of saving without market risks. An FD lets you have a safe investment along with gaining interest on it.

In FD one has to deposit a lumpsum amount in the bank for a fixed period of time on a fixed rate of interest. Once the deposit reaches the maturity term, the investor will receive the original amount of investment with the interest.

FDs are considered beneficial for achieving long-term financial goals as they are considered stable and assure growth in the investment.

Let us take a look at banks that offer top returns in 1, 5, and 7 years period.

1. Bandhan Bank:

1-year: 7 per cent

3-year: 7 per cent

5-year: 5.85 per cent

2. ESAF Small Finance Bank:

1-year: 4.75 per cent

3-year: 6 per cent

5-year: 5.75 per cent

3. Jana Small Finance Bank:

1-year: 7.25 per cent

3-year: 7.5 per cent

5-year: 8 per cent

4. DCB Bank:

1-year: 6.9 per cent

3-year: 7 per cent

5-year: 7 per cent

5. Central Bank of India:

1-year: 6.4 per cent

3-year: 6.25 per cent

5-year: 6.25 per cent

Some other banks that offer good interest rate are Jammu & Kashmir Bank, SBM Bank India, Bank of Maharashtra, and Suryoday Small Finance Bank.