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Bank FD rates compared: What SBI, PNB, Canara, Bank of Baroda are offering
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6 min read | Updated on November 18, 2025, 10:15 IST
SUMMARY
Whether you are planning a short-term deposit or a long-term investment, here’s a handy guide to the latest FD rates offered by the State Bank of India (SBI), Punjab National Bank (PNB), Canara Bank, and Bank of Baroda ( BoB).
Here is a handy guide to the latest fixed deposit (FD) rates offered by top banks. | Image: Shutterstock.
Whether you are planning a short-term deposit or a long-term investment, here’s a handy guide to the latest FD rates offered by the State Bank of India (SBI), Punjab National Bank (PNB), Canara Bank, and Bank of Baroda ( BoB).
SBI FD interest rates 2025
PNB FD interest rates 2025
Punjab National Bank (PNB) FD rates, effective from 1st September 2025, start at 3.00% for 7–14 days and go up to 6.25% for 1-year deposits for the general public. Longer-term deposits up to 10 years fetch rates of up to 6.00%. Senior citizens benefit from higher returns, with rates reaching up to 6.80% for long-term deposits.
Canara Bank FD interest rates 2025
Canara Bank, for deposits below Rs 3 crore, offers rates starting at 3.25% for 7–45 days, going up to 6.25% for tenures of 1 year and above for the general public, effective from 7th August 2025. Senior citizens enjoy higher rates, ranging from 3.25% for 7–45 days to 6.75% for deposits above 1 year 3 months.
BoB FD interest rates 2025
Bank of Baroda (BOB), for domestic term deposits under Rs 3 crore, has revised its rates effective 12th September 2025. General customers can earn 3.50% for 7–14 days, 6.25% for 1-year deposits, and up to 6.50% for tenures above 1 year. Senior citizens earn higher interest, from 4.00% for the shortest tenures to 7.00% for deposits above 1 year.
Canara Bank
| Tenure | General Public | Senior Citizen |
|---|---|---|
| 7 Days to 45 Days | 3.25 | 3.25 |
| 46 Days to 90 Days | 4.25 | 4.25 |
| 91 Days to 179 Days | 4.50 | 4.50 |
| 180 Days to 269 Days | 5.50 | 6.00 |
| 270 Days to < 1 Year | 5.75 | 6.25 |
| 1 Year to 1 Year 3 Months | 6.25 | 6.75 |
| 444 Days | 6.50 | 7.00 |
| > 1 Year 3 Months to < 2 Years | 6.25 | 6.75 |
| 2 Years to < 3 Years | 6.25 | 6.75 |
| 3 Years to < 5 Years | 6.25 | 6.75 |
| 5 Years to 10 Years | 6.25 | 6.75 |
Bank of Baroda (BOB)
| Tenure | General Public | Senior Citizen |
|---|---|---|
| 7 Days to 14 Days | 3.50 | 4.00 |
| 15 Days to 45 Days | 3.50 | 4.00 |
| 46 Days to 90 Days | 5.00 | 5.50 |
| 91 Days to 180 Days | 5.00 | 5.50 |
| 181 Days to 210 Days | 5.50 | 6.00 |
| 211 Days to 270 Days | 5.75 | 6.25 |
| 271 Days to < 1 Year | 6.00 | 6.50 |
| 1 Year | 6.25 | 6.75 |
| Above 1 Year to 400 Days | 6.50 | 7.00 |
| Above 400 Days to 2 Years | 6.50 | 7.00 |
| Above 2 Years to 3 Years | 6.50 | 7.00 |
| Above 3 Years to 5 Years | 6.40 | 7.00 |
| Above 5 Years to 10 Years | 6.00 | 7.00 |
Punjab National Bank (PNB)
| Tenure | General Public | Senior Citizen |
|---|---|---|
| 7 to 14 Days | 3.00 | 3.50 |
| 15 to 29 Days | 3.00 | 3.50 |
| 30 to 45 Days | 3.00 | 3.50 |
| 46 to 60 Days | 4.50 | 5.00 |
| 61 to 90 Days | 4.50 | 5.00 |
| 91 to 179 Days | 4.90 | 5.40 |
| 180 to 270 Days | 5.60 | 6.10 |
| 271 to 302 Days | 5.60 | 6.10 |
| 303 Days | 5.50 | 6.00 |
| 304 Days to < 1 Year | 5.60 | 6.10 |
| 1 Year | 6.25 | 6.75 |
| > 1 Year to 389 Days | 6.40 | 6.90 |
| 390 Days | 6.60 | 7.10 |
| 391 to 505 Days | 6.40 | 6.90 |
| 506 Days | 6.30 | 6.80 |
| 507 Days to 2 Years | 6.40 | 6.90 |
| > 2 Years to 3 Years | 6.40 | 6.90 |
| > 3 Years to 1203 Days | 6.25 | 6.75 |
| 1204 Days | 6.15 | 6.65 |
| 1205 Days to 5 Years | 6.25 | 6.75 |
| > 5 Years to 1894 Days | 6.00 | 6.80 |
| 1895 Days | 5.85 | 6.65 |
| 1896 Days to 10 Years | 6.00 | 6.80 |
State Bank of India (SBI)
| Tenure | General Public | Senior Citizen |
|---|---|---|
| 7 Days to 45 Days | 3.05 | 3.55 |
| 46 Days to 179 Days | 4.90 | 5.40 |
| 180 Days to 210 Days | 5.65 | 6.15 |
| 211 Days to < 1 Year | 5.90 | 6.40 |
| 1 Year to < 2 Years | 6.25 | 6.75 |
| 2 Years to < 3 Years | 6.45 | 6.95 |
| 3 Years to < 5 Years | 6.30 | 6.80 |
| 5 Years to 10 Years | 6.05 | 7.05 |
Whether you are planning for short-term liquidity or long-term growth, senior citizens benefit from extra interest across all these banks, making fixed deposits a safe and rewarding option for stable returns.
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