Bank FD: Which of the following is the most beneficial between SBI vs PNB vs HDFC?

DFC Bank FD Interest Rates: If you are also planning to make an FD, then you must know about the interest rate of the banks before investing. These days the interest rate is running at its high level. Earlier, FDs that gave lower returns than the inflation rate. However, banks have been offering interest rates of up to 7.75 per cent for some time. Not only this, some banks are offering an interest rate of 9 percent or even more.

In fact, after the increase in the repo rate by the Reserve Bank from May 2022 last year, the interest rate of FDs has been increased by banks. In the last few media reports, it was also expected that the interest rate of FD can be increased further in the coming time. In such a situation, it is important that you are aware of the interest rate currently running on behalf of the bank.

Interest rate on SBI FD (on deposits of less than Rs 2 crore)
1.) 7 days to 45 days: 3 percent for the general public; 3.50 percent
for senior citizens 2.) 46 days to 179 days: 4.50 percent for general public; 5.00 percent
for senior citizens 3.) 180 days to 210 days: 5.25 percent for general public; 5.75 percent
for senior citizens 4.) 211 days to less than one year: 5.75 percent for general public; 6.) 25.5 percent
for senior citizens More than 1 year to less than 2 years: 6.80% for general public; 7.30 percent
for senior citizens 6.) 2 years more than 3 years: 7.00% for general public; 7.50 percent
for senior citizens 7.) More than 3 years and less than 5 years: 6.50% for general public; 7.00 percent
for senior citizens 8.) 5 years plus and below 10 years: 6.50% for general public; 7.50 percent for senior citizens

HDFC Bank FD interest rate (on deposits less than Rs 2 crore)
1.) 7 days to 14 days: 3.00 percent for the general public; 3.50 percent
for senior citizens 2.) 15 days to 29 days: 3.00 percent for general public; 3.50 percent
for senior citizens 3.) 30 days to 45 days: 3.50 percent for general public; 4.00 percent
for senior citizens 4.) 46 days to 60 days: 4.50 percent for the general public; 5.00 percent
for senior citizens 5.) 61 days to 89 days: 4.50 percent for general public; 5.00 percent
for senior citizens 6.) Equivalent to 90 days to 6 months: 4.50 percent for the general public; 5.00 percent
for senior citizens 7.) 6 months 1 day to less than 9 months: 5.75 percent for the general public; 6.25 percent
for senior citizens 8.) 9 months 1 day to less than 1 year: 6.00 percent for the general public; 6.50 percent
for senior citizens 9.) 1 year to less than 15 months: 6.60 percent for the general public; 7.10 percent
for senior citizens 10.) 15 months to less than 18 months: 7.10 percent for the general public; 7.50 percent
for senior citizens 11.) 18 months 1 day to less than 21 months: 7.00 percent for the general public; 7.50 percent
for senior citizens 12.) 21 months to 2 years: 7.00 percent for general public; 7.50 percent
for senior citizens 13.) 2 years 1 day to 2 years less than 11 months: 7.00 percent for the general public; 7.50 percent
for senior citizens 14.) 2 years 11 months to 35 months: 7.00 percent for general public; 7.50 percent
for senior citizens 15.) 2 years 11 months 1 day to 4 years 7 months: 7.00 percent for general public; 7.50 percent
for senior citizens 16.) 4 years 7 months 1 day Less than or equal to 5 years: 7.00 percent for general public; 7.50 percent
for senior citizens 17.) 5 years 1 day to 10 years: 7.00 percent for general public; For senior citizens 7.75 percent

Interest rate on PNB FD (on deposits of less than Rs 2 crore)
1.) 7 days to 14 days: 3.50 percent for general public; For senior citizens – 4.00 percent
2.) 15 days to 29 days: 3.50 percent for general public; For Senior Citizens – 4.00 percent
3.) 30 days to 45 days: 3.50 percent for general public; For Senior Citizens – 4.00 percent
4.) 46 days to 90 days: 4.50 percent for general public; For Senior Citizens – 5.00 percent
5.) 91 days to 179 days: 4.50 percent for the general public; For Senior Citizens – 5.00 percent
6.) 180 days to 270 days: 5.50 percent for the general public; For Senior Citizens – 6.00 percent
7.) 271 days to less than 1 year: 5.80 percent for the general public; For senior citizens – 6.30 percent
8.) 1 year: 6.80 percent for the general public; For senior citizens – 7.30 percent
9.) 1 days from above 443 year: 6.80 percent for the general public; For senior citizens – 7.30 percent
10.) 444 days: 7.25 percent for the general public; For senior citizens – 7.75 percent
11.) 445 days to 2 years: 6.80 percent for general public; For senior citizens – 7.30 percent
12.) From 2 years to 3 years: 7.00 percent for the general public; For Senior Citizens 750 percent.