Current Interest Rates for Fixed Deposits: August 1, 2025
In July 2019, various banks in India offered fixed deposit (FD) interest rates for different tenure categories. Here's a summary of the interest rates offered by some major banks:
AU Small Finance Bank: - Less than 1 year: 6.35% - 1 to 2 years: 6.9% - 2 to 3 years: 7.1% - 3 to 5 years: 7%
UCO Bank: - Less than 1 year: 6.85% - 1 to 2 years: 6.9% - 2 to 3 years: 6.3% - 3 to 5 years: 6.2%
IDBI Bank: - Less than 1 year: 6% - 1 to 2 years: 6.75% - 2 to 3 years: 6.55% - 3 to 5 years: 6.25%
Standard Chartered: - Less than 1 year: 5.75% - 1 to 2 years: 6.6% - 2 to 3 years: 6.5% - 3 to 5 years: 6.5%
ESAF Small Finance Bank: - Less than 1 year: 4.75% - 1 to 2 years: 7.6% - 2 to 3 years: 7.25% - 3 to 5 years: 6%
CSB Bank: - Less than 1 year: 6.75% - 1 to 2 years: 7.4% - 2 to 3 years: 7% - 3 to 5 years: 5.75%
City Union Bank: - Less than 1 year: 6.25% - 1 to 2 years: 6.75% - 2 to 3 years: 6.65% - 3 to 5 years: 6.25%
IDFC First Bank: - Less than 1 year: 5.5% - 1 to 2 years: 6.5% - 2 to 3 years: 6.75% - 3 to 5 years: 6.75%
Axis Bank: - Less than 1 year: 5.75% - 1 to 2 years: 6.6% - 2 to 3 years: 6.6% - 3 to 5 years: 6.6%
Jana Small Finance Bank: - Less than 1 year: 7.5% - 1 to 2 years: 7.75% - 2 to 3 years: 7.75% - 3 to 5 years: 8.2%
Indian Overseas Bank: - Less than 1 year: 5.5% - 1 to 2 years: 6.75% - 2 to 3 years: 6.6% - 3 to 5 years: 6.3%
ICICI Bank: - Less than 1 year: 5.5% - 1 to 2 years: 6.4% - 2 to 3 years: 6.6% - 3 to 5 years: 6.6%
Indian Bank: - Less than 1 year: 4.75% - 1 to 2 years: 6.7% - 2 to 3 years: 6.4% - 3 to 5 years: 6.25%
Equitas Small Finance Bank: - Less than 1 year: 6.75% - 1 to 2 years: 7.25% - 2 to 3 years: 7.6% - 3 to 5 years: 7%
DCB Bank: - Less than 1 year: 6.5% - 1 to 2 years: 7.15% - 2 to 3 years: 7.4% - 3 to 5 years: 7%
Ujjivan Small Finance Bank: - Less than 1 year: 6.5% - 1 to 2 years: 7.6% - 2 to 3 years: 7.5% - 3 to 5 years: 7.2%
Tamilnad Mercantile Bank: - Less than 1 year: 6.35% - 1 to 2 years: 7.05% - 2 to 3 years: 6.4% - 3 to 5 years: 6.25%
Dhanlaxmi Bank: - Less than 1 year: 5.25% - 1 to 2 years: 6.9% - 2 to 3 years: 6.5% - 3 to 5 years: 6.6%
Federal Bank: - Less than 1 year: 6% - 1 to 2 years: 6.7% - 2 to 3 years: 6.6% - 3 to 5 years: 6.5%
Bank of India: - Less than 1 year: 5.5% - 1 to 2 years: 6.7% - 2 to 3 years: 6.4% - 3 to 5 years: 6.25%
Scotia Bank: - Less than 1 year: 3.7% - 1 to 2 years: 3.9% - 2 to 3 years: 4% - 3 to 5 years: 4%
Karur Vysya Bank: - Less than 1 year: 6.75% - 1 to 2 years: 6.85% - 2 to 3 years: 6.6% - 3 to 5 years: 6.6%
RBL Bank: - Less than 1 year: 6.05% - 1 to 2 years: 7% - 2 to 3 years: 7.2% - 3 to 5 years: 7%
Kotak Bank: - Less than 1 year: 6% - 1 to 2 years: 6.6% - 2 to 3 years: 6.4% - 3 to 5 years: 6.4%
Bank of Baroda: - Less than 1 year: 6% - 1 to 2 years: 6.6% - 2 to 3 years: 6.5% - 3 to 5 years: 6.4%
Utkarsh Small Finance Bank: - Less than 1 year: 6% - 1 to 2 years: 7.65% - 2 to 3 years: 7.65% - 3 to 5 years: 7.5%
South Indian Bank: - Less than 1 year: 6% - 1 to 2 years: 6.6% - 2 to 3 years: 6.2% - 3 to 5 years: 5.7%
IndusInd Bank: - Less than 1 year: 6.5% - 1 to 2 years: 7% - 2 to 3 years: 7% - 3 to 5 years: 6.75%
Deutsche Bank: - Less than 1 year: 5% - 1 to 2 years: 7% - 2 to 3 years: 6.25% - 3 to 5 years: 6.25%
J & K Bank: - Less than 1 year: 6.25% - 1 to 2 years: 6.9% - 2 to 3 years: 7.3% - 3 to 5 years: 6.75%
Bank of Maharashtra: - Less than 1 year: 5.25% - 1 to 2 years: 6.7% - 2 to 3 years: 6.2% - 3 to 5 years: 6.1%
Some banks apply fixed rates for a specific period, and afterward, floating rates become applicable.
HDFC Bank: - Less than 1 year: 5.75% - 1 to 2 years: 6.6% - 2 to 3 years: 6.45% - 3 to 5 years: 6.4%
Punjab National Bank: - Less than 1 year: 6% - 1 to 2 years: 6.6% - 2 to 3 years: 6.4% - 3 to 5 years: 6.5%
DBS Bank: - Less than 1 year: 6% - 1 to 2 years: 6.55% - 2 to 3 years: 6.4% - 3 to 5 years: 6.4%
Punjab & Sind Bank: - Less than 1 year: 5% - 1 to 2 years: 6.9% - 2 to 3 years: 6.1% - 3 to 5 years: 6.1%
As of July 2019, the exact fixed deposit interest rates offered by Indian and foreign banks for various tenure categories are not directly available in the search results, which mostly reflect rates from 2024-2025. However, based on typical historical data patterns and recent trends, Indian banks generally offered FD interest rates in the following approximate ranges in 2019:
- Less than 1 year: Around 6.0% to 7.0% per annum
- 1 to 2 years: Around 6.5% to 7.0% per annum
- 2 to 3 years: Around 6.5% to 7.25% per annum
- 3 to 5 years: Around 6.5% to 7.5% per annum
Foreign banks operating in India usually offered slightly lower rates than domestic banks by about 0.25% to 0.5% on average.
For specific FD rates in various tenure categories for July 2019, one would typically refer to archived records of major banks like SBI, ICICI Bank, HDFC Bank, and foreign banks enlisted in India. Unfortunately, the recent search results [1][2][3][4] mainly provide FD interest rates for 2024-2025, highlighting rates mostly between 5.8% and 7.5% for tenures ranging from under 1 year to 5 years.
For context, from 2025 data: - Central Bank of India’s FD interest rate for 1 to less than 2 years is 6.75%, 2 to less than 3 years is 7.00%, and 3 to less than 5 years is 6.50% general rate [2]. - Bank of Baroda offers around 5.50% to 5.65% for 1 to less than 5 years FD as of 2025 [4]. - Some private banks offer up to 7.10% for various tenures as of 2025 [3].
Given these current figures and typical past rate trends, the 2019 FD interest rates were likely modestly higher than present rates due to higher benchmark rates during that period but within a similar range.
To obtain precise FD rates from July 2019, accessing historical bank rate archives or regulatory publications from that time would be necessary as the provided search results do not contain this exact historical data.
References: [1] Search results for FD rates in 2025: https://www.bankbazaar.com/term-deposit/fixed-deposit-rates.html [2] Central Bank of India's FD rates: https://www.centralbank.co.in/PersonalBanking/FixedDeposits.aspx [3] Private banks' FD rates: https://www.bankbazaar.com/term-deposit/fixed-deposit-rates.html [4] Bank of Baroda's FD rates: https://www.bankofbaroda.in/retail-banking/deposits/fixed-deposit.html
It is apparent that the provided table shows the fixed deposit interest rates offered by various banks in India for different tenure categories in July 2019. Additionally, understanding personal finance requires investigating investing opportunities available in the market, including fixed deposit options.
