If you do not want to take any risk in your investment and want to grow your savings safely and reliably, then a Fixed Deposit (FD) is a great option for you. In the year 2025, some of the leading financial institutions and small finance banks of the country are giving you excellent returns of up to 9.25% on FD, giving stable and attractive returns to the investors. This FD makes you a source of assured income. Let us know about the top 5 institutions here that are giving you better returns and can grow your money faster.

Top 5 Bank offering the highest interest on FD (2025)

These institutions are giving you the best interest rates on FD:

Utkarsh Small Finance Bank

Here you can get a maximum interest rate of up to 8.50% on an FD. A normal customer can get an FD for a period of 7 days to 10 years. Here, it is mandatory to get an FD of at least ₹ 5000.

Suryodaya Small Finance Bank

This bank can also give you great returns on an FD. In Suryodaya Small Finance Bank, you can make a fixed deposit at an interest rate of up to 8.40%. According to Motilal Oswal, at least a ₹ 5000 FD has to be done in this bank too.

Shriram Finance

As an NBFC (non-banking financial company), Shriram Finance is also offering great interest on FD. In this, you can get FD at an interest rate of up to 8.00%. In this institution, it is necessary to get an FD of at least ₹ 5000.

Shivalik Small Finance Bank

This bank is also giving great returns. According to the official website, in Shivalik Small Finance Bank, you can get an interest rate of up to 9.25% on an FD. This FD is special for women, which makes it even more attractive. In this bank, also, a minimum FD of ₹ 5000 has to be done.

Bajaj Finance

Bajaj Finance is also a better option for FD, as here you can make fixed deposits at an interest rate of up to 8.90%. In this institution, it is mandatory to make an FD of at least ₹ 5000.

Why is it the safest investment

FD not only gives good returns, but it also has many other benefits, which make it a safe and reliable investment option. The interest rate in FD is pre-fixed and it is not affected by fluctuations in the market. The investor knows in advance how much he will earn. The amount deposited in a bank FD is safe up to ₹ 5 lakh under the DICGC (Deposit Insurance and Credit Guarantee Corporation) guarantee of the Reserve Bank of India (RBI). This is the reason why the money deposited in your FD remains safe.

Senior citizens get 0.25% to 0.75% higher interest rates than the normal rate, thereby providing even better returns on their savings. You can easily avail a loan of up to 90% against your FD, so that you do not have to break your FD whenever you need money.