Unity Small Finance Bank offers the highest interest rates, reaching up to 9.5% for senior citizens on specific tenures, notably 1001 days. Other options for high-interest FDs (often 9%+) include small finance banks like NorthEast Small Finance Bank (up to 9.25%) and Suryoday Small Finance Bank (up to 9.1%).
The SBI Amrit Vrishti Scheme 2026 (also known as the SBI 444 Days FD) is a special fixed deposit product from State Bank of India offering a fixed tenure of 444 days with competitive interest rates. As of December 19, 2025, the scheme offers 6.45% p.a. to regular investors.
SBI Amrit Kalash is a tenure-specific term deposit scheme offered to domestic and NRI depositors for tenures of 400 days. Under this scheme, senior citizens are offered FD interest rates at 7.60% p.a. This scheme can be availed through the SBI branch, internet banking and SBI YONO mobile banking app.
Fixed Tenure Options: The scheme is available for 444 days, allowing depositors to choose tenures that match their financial plans. Higher Interest Rates: The scheme offers higher HDFC Bank FD rates for 444 days compared to regular fixed deposits, providing better returns for selected durations.
If you want your 20 lakhs to grow to a larger sum, it would be wise to invest it in ULIPs, or the equity market. However, if you are averse to risks, you can look at traditional savings plans or pension plans to ensure a guaranteed monthly income for life.
Key Takeaways
Use an FD when interest rates are relatively high and expected to drop, so you lock in better returns before the rate falls. Compare bank FD rates and terms, check for premature withdrawal penalties and then deploy funds in an FD to secure capital and earn steady interest.
To earn Rs. 50,000 per month from an FD, you need to consider the interest rate offered. For example, at an 8% annual interest rate, you'd need an FD of around Rs. 75 lakhs.
With transparent terms and a range of tenure options, Airtel Finance's FD is a reliable addition to your investment portfolio. Use their FD interest calculator to estimate your potential returns and take the first step towards securing your financial future.
It is a special retail term deposit option introduced for a tenure of 444 days. This scheme offers a single tenure of 444 days, providing an attractive interest rate of 6.45% per annum for regular customers, 6.95% per annum for senior citizens and 7.05% per annum for Super Senior Citizens.
Fixed deposits can be a great way for you to earn stable returns on your investments, especially when investing large amounts such as ₹2 Crores. You need to compare the interest rates across issuers and choose a suitable tenure. Your interest earnings depend on the tenure you choose and the FD rate.
Your investment in a bank is insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme, which covers your deposits up to Rs. 1 lakh for both principal and interest amount held in the same capacity and same right. So, even if the bank goes insolvent, your fd investment will be safe.
Double Deposit Scheme in India offers investors the opportunity to double their investment over a certain period, typically ranging from 5 to 10 years. Here is a list of banks in India that offer double deposit schemes: State Bank of India (SBI)