Best 1-Year FD Rates in 2025: Top Banks Offering Highest Returns After RBI Repo Cut
Fixed Deposit: The Reserve Bank of India (RBI) has cut the repo rate twice this year. After a cut of 0.25 percent first in February and then 0.25 percent in April, the repo rate has come down from 6.50 percent to 6.00 percent. After this
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5 Best Banks For Fixed Deposits
Fixed Deposit: The Reserve Bank of India (RBI) has cut the repo rate twice this year. After a cut of 0.25 percent first in February and then 0.25 percent in April, the repo rate has come down from 6.50 percent to 6.00 percent. After this reduction in the repo rate, on one hand, banks started reducing interest rates on loans, on the other hand interest rates on fixed deposits (FD) also started decreasing.
In such a situation, if you also want to earn good profits by investing your hard-earned money in an FD, then it is very important to know which big banks are still giving the highest interest on a 12-month FD. So, let’s know about those banks that can give you great returns.
These are the top banks which are giving the highest interest on 12-month FD. Senior citizens will get more benefits. Here is a list of major banks that are offering the highest interest on 12-month FDs:
State Bank of India (SBI)
The country’s largest public sector bank, State Bank of India (SBI), is offering 6.5 percent interest to general citizens and 7.0 percent interest to senior citizens on 12-month FDs. This is a safe and reliable option.
Bank of Baroda (BOB)
The country’s second-largest public sector bank by market cap, Bank of Baroda, is offering 6.8 percent interest to general citizens and 7.30 percent interest to senior citizens on 12-month FDs. This is also a good option.
Punjab National Bank (PNB)
Punjab National Bank i.e. PNB is also a public sector bank. This bank is offering 6.7 percent interest to general citizens and 7.20 percent interest to senior citizens on 12-month FDs. You can also consider this.
HDFC Bank
The largest private sector bank, HDFC Bank is offering 6.6 percent interest to general citizens and 7.1 percent interest to senior citizens on 12-month FDs! It is a popular and trusted bank.
ICICI Bank
ICICI Bank is offering 6.7 percent interest to general citizens and 7.2 percent interest to senior citizens on 12-month FDs. It also has a good reputation.
Axis Bank
Private sector Axis Bank is offering 6.7 percent interest to general citizens and 7.2 percent interest to senior citizens on 12-month FDs. This is also a competitive option.
You can invest in any of these banks as per your need and convenience. Remember, senior citizens always get slightly higher interest, which is a big advantage for them. So, don’t delay and book your FD today.
Vikram Singh
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