SBI, PNB, ICICI, BoB, Canara Bank Latest FD Rates As RBI Keeps Repo Rate Steady | Check Full List

The RBI kept its benchmark interest rate unchanged on Friday. The repo rate was kept unchanged at 5.25% as inflation remained at manageable levels, and growth concerns eased following trade agreements with the US and the European Union.

The RBI's six-member MPC voted unanimously to keep the repurchase rate at 5.25%. The RBI MPC had maintained a neutral policy stance, an indication that the rates will remain low for some time.

"On growth, the RBI's tone is quietly confident. FY26 GDP growth is estimated at a strong 7.4%, driven largely by domestic engines: private consumption, fixed investment, and resilient services activity. High capacity utilisation, healthy balance sheets, robust credit growth, and continued public capex form a sturdy foundation," stated InCred Money Team expert.

"The external picture remains mixed. Net exports continue to be a drag, even as recent trade agreements, notably with the EU, the US, New Zealand and Oman, offer medium-term diversification benefits. The RBI remains alert to geopolitical tensions and commodity price swings, which keep downside risks alive," the expert added.

RBI's decision to keep the repo rate unchanged is expected to prevent banks from cutting FD rates in the near term. Here are the latest bank FD rates.

PNB FD Rates

Period	Public (%)	Senior Citizens (%)	Super Senior Citizens (%)
7 to 14 Days	3.00	3.50	3.80
15 to 45 Days	3.00	3.50	3.80
46 to 90 Days	4.50	5.00	5.30
91 to 154 Days	4.90	5.40	5.70
155 Days	5.55	6.05	6.35
156 to 179 Days	4.90	5.40	5.70
180 to 270 Days	5.60	6.10	6.40
271 to 302 Days	5.60	6.10	6.40
303 Days	5.55	6.05	6.35
304 Days to	5.80	6.30	6.60
1 Year	6.10	6.60	6.90
> 1 Year to 389 Days	6.30	6.80	7.10
390 Days	6.40	6.90	7.20
391 Days to 2 Years	6.30	6.80	7.10
> 2 to 3 Years	6.30	6.80	7.10
> 3 Years to 1203 Days	6.10	6.60	6.90
1204 Days	6.05	6.55	6.85
1205 Days to 5 Years	6.10	6.60	6.90
> 5 Years to 10 Years	6.00	6.80	6.80

SBI FD Rates

Tenors	Existing Rates for Public (w.e.f. 15/07/2025)	Revised Rates for Public (w.e.f. 15/12/2025)	Existing Rates for Senior Citizens (w.e.f. 15/07/2025)	Revised Rates for Senior Citizens (w.e.f. 15/12/2025)
7 days to 45 days	3.05	3.05	3.55	3.55
46 days to 179 days	4.90	4.90	5.40	5.40
180 days to 210 days	5.65	5.65	6.15	6.15
211 days to less than 1 year	5.90	5.90	6.40	6.40
1 year to less than 2 years	6.25	6.25	6.75	6.75
2 years to less than 3 years	6.45	6.40	6.95	6.90
3 years to less than 5 years	6.30	6.30	6.80	6.80
5 years and up to 10 years	6.05	6.05	7.05*	7.05*

ICICI Bank FD Rates

Tenure	Public (%)	Senior Citizens (%)
7 to 45 Days	2.75	3.25
46 to 90 Days	4.00	4.50
91 to 184 Days	4.50	5.00
185 Days to	5.50	6.00
1 Year to	6.25	6.75
18 Months to 2 Years	6.30	6.80
2 Years 1 Day to 3 Years	6.45	6.95
3 Years 1 Day to 5 Years	6.50 (Highest)	7.10 (Highest)
5 Years 1 Day to 10 Years	6.50 (Highest)	7.00
5Y (Tax Saver FD)	6.50 (Highest)	7.10 (Highest)

Bank of Baroda

Tenors	Residents / General Public (%)	Resident Indian Senior Citizen (%)	Resident Super Senior Citizen (%)
7 days to 14 days	3.50	4.00*	4.00*
15 days to 45 days	3.50	4.00*	4.00*
46 days to 90 days	5.00	5.50*	5.50*
91 days to 180 days	5.00	5.50*	5.50*
181 days to 210 days	5.50	6.00*	6.00*
1 year	6.10	6.60*	6.60*
Above 1 year to 400 days	6.25	6.75*	6.85$
Above 400 days and up to 2 years (except 444 days)	6.25	6.75*	6.85$
Above 2 years and up to 3 years	6.25	6.75*	6.85$
Above 3 years and up to 5 years	6.30	6.90#	7.00$
Above 5 years and up to 10 years	6.00	7.00**	7.00**
Above 10 years (MACAD only)	5.50	6.00*	6.00*

Union Bank of India

Revised Interest Rates (Deposits

Period	Revised Interest Rate (%)
7–14 Days	2.75
15–30 Days	3.00
31–45 Days	3.25
46–90 Days	4.40
91–120 Days	4.75
121–180 Days	5.00
181–270 Days	5.75
1 Year	6.25
> 1 Year to 399 Days	6.20
400 Days	6.30
401 Days to 2 Years	6.00
> 2 Years to 996 Days	6.00
997 Days	5.95
998 Days to 3 Years	6.00
> 3 Years to 10 Years	5.90