Fixed Deposits (FDs) are still one of the favorite choices to invest money in the year 2025, plus they are characterized by the security and the return which is not very low. Repo rate remained unchanged at 5.5% and thus the Reserve Bank of India made it possible for the three major banks, i.e. SBI, HDFC Bank, and ICICI Bank, to keep their FD interest rates steady and competitive for the regular public as well as for the elderly.
Updated FD Rates from Top Banks
The latest FD rates for the year 2025 as on October 2025 for the three leading banks, State Bank of India (SBI), HDFC Bank, and ICICI Bank is given in the below-stated table:
| Bank | 1-Year Rate | 3-Year Rate | Senior Citizen Rate (Max) |
|---|---|---|---|
| SBI | 6.80% | 6.90% | 7.10% |
| HDFC Bank | 6.75% | 7.00% | 7.10% |
| ICICI Bank | 6.60% | 6.90% | 7.10% |
Deposits with the amount being less than ₹2 crore and with different tenures and branches are subject to slight variations in rates. In addition, senior citizens are becoming a reliable source of income during retired life due to the extra 0.50% interest across the most of the tenures for the elderly the fixation of which is done through the FDs.
Why FDs Remain a Safe Bet
FDs guarantee the return of money and the period for which the money is kept is flexible starting from 7 days and going up to 10 years. Monthly, quarterly or cumulative are the choices available for the investors when it comes to the interest payouts. Banks allow premature withdrawals of deposits against FD amounts, adding to their convenience.
The security of the principal amount is the main attraction for conservative investors in the case of FDs. Due to the controlling of inflation and stability in interest rates, the FDs provide a very clear income without the fear of volatility in the market.
Final Thoughts
Bank FDs in 2025 continue to be the way to go for investors who want to gradually build their wealth through a safe investment option. The interest rates offered by top three banks are very good, ranging from 6.60% to 7.10%. Depending on how short or long of a time you want to save, you can always rely on FDs for their stability and peace of mind.
Disclaimer: Interest rates may vary depending on the RBI policy change and individual bank decision. It is advised that investors check the latest rates with their bank before investing and also consider their financial objectives and the tax implications.