₹25 lakh FD for 1 year: what you get back at 33 banks

Last checked 3 November 2026. Card rates for a regular deposit below ₹3 crore.

₹25 lakh in a 1-year fixed deposit grows to ₹26,86,238 at Ujjivan Small Finance Bank, the highest rate in our list at 7.25%. At SBI's 6.25% it becomes ₹26,59,950, which is ₹26,287 less. The post office 1-year time deposit at 6.9% would grow it to ₹26,77,015.

₹26.86 lakhBest maturity, Ujjivan SFB

₹1,86,238Interest at the top rate

₹1,99,454Senior citizen interest, Ujjivan SFB

₹1,59,950Interest at SBI

Top 10 banks for ₹25 lakh over 1 year

Bank	Rate	Interest earned	You get back	Senior gets back
Ujjivan Small Finance Bank Small finance bank, ranked 1st of 33	7.25%	₹1,86,238	₹26,86,238	₹26,99,454
Equitas Small Finance Bank Small finance bank, ranked 2nd of 33	7.10%	₹1,82,282	₹26,82,282	₹26,95,484
Bandhan Bank Private, ranked 3rd of 33	7.00%	₹1,79,648	₹26,79,648	₹26,92,840
Jana Small Finance Bank Small finance bank, ranked 4th of 33	7.00%	₹1,79,648	₹26,79,648	₹26,92,840
RBL Bank Private, ranked 5th of 33	6.90%	₹1,77,015	₹26,77,015	₹26,90,197
DCB Bank Private, ranked 6th of 33	6.90%	₹1,77,015	₹26,77,015	₹26,83,600
IndusInd Bank Private, ranked 7th of 33	6.75%	₹1,73,070	₹26,73,070	₹26,86,238
Yes Bank Private, ranked 8th of 33	6.65%	₹1,70,442	₹26,70,442	₹26,83,600
City Union Bank Private, ranked 9th of 33	6.65%	₹1,70,442	₹26,70,442	₹26,75,699
Bank of India Public sector, ranked 10th of 33	6.60%	₹1,69,129	₹26,69,129	₹26,82,282

The big banks for ₹25 lakh over 1 year

Bank	Rate	Interest earned	You get back	Senior gets back
State Bank of India Public sector, ranked 25th of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
HDFC Bank Private, ranked 21st of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
ICICI Bank Private, ranked 22nd of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
Axis Bank Private, ranked 18th of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
Kotak Mahindra Bank Private, ranked 14th of 33	6.45%	₹1,65,192	₹26,65,192	₹26,78,331
Bank of Baroda Public sector, ranked 19th of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
Punjab National Bank Public sector, ranked 23rd of 33	6.25%	₹1,59,950	₹26,59,950	₹26,73,070
Canara Bank Public sector, ranked 16th of 33	6.40%	₹1,63,881	₹26,63,881	₹26,77,015
Union Bank of India Public sector, ranked 27th of 33	6.20%	₹1,58,641	₹26,58,641	₹26,71,756

Interest compounds every quarter and is paid at maturity, before tax. Rates are each bank's card rate for exactly 1 year. See all 33 banks for 1 year.

Is ₹25 lakh fully insured?

DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together. At the top rate, ₹25 lakh grows to ₹26,86,238. To keep every rupee covered, split it across at least 6 banks, about ₹4,16,667 in each.

Will TDS be deducted?

Banks deduct TDS when your total FD interest at that bank in a financial year crosses ₹50,000, or ₹1,00,000 for senior citizens. At 7.25%, ₹25 lakh earns about ₹1,86,238 in the first year, so TDS will be deducted for a regular depositor unless they have other deposits at the same bank. A senior citizen at 7.75% earns about ₹1,99,454 in the first year, so TDS will apply. The interest is taxable at your slab rate either way.

Taking interest out every quarter

If you need regular income, choose quarterly payout. ₹25 lakh at 7.25% pays ₹45,313 every quarter and returns the ₹25 lakh at the end. At SBI it pays ₹39,063 a quarter.

Other amounts and terms

₹1 lakh for 1 year · ₹2 lakh for 1 year · ₹5 lakh for 1 year · ₹10 lakh for 1 year · ₹25 lakh for 2 years · ₹25 lakh for 3 years · ₹25 lakh for 5 years

We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

How much interest will I get on ₹25 lakh FD for 1 year?

At Ujjivan SFB's 7.25% you earn ₹1,86,238 and get back ₹26,86,238. At SBI's 6.25% you earn ₹1,59,950. Both figures assume interest is reinvested every quarter and paid at maturity.

What is the monthly or quarterly interest on ₹25 lakh?

If you take interest out every quarter instead of reinvesting it, ₹25 lakh at 7.25% pays ₹45,313 a quarter. At 6.25% it pays ₹39,063. Monthly payouts are slightly lower than a third of this, because banks discount them.

Is ₹25 lakh in one bank FD safe?

Only up to ₹5 lakh is insured. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together. To keep all of it covered, spread it across at least 6 banks.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate