SBI vs HDFC Bank vs ICICI Bank: Compare Best FD Rates After RBI Repo Cut; Where Should You Put Your Money?

In case you have been watching fixed deposits very carefully, then here is news that can change the whole situation. Towards the end of December 2025, the three largest Indian banks, namely SBI, HDFC Bank, and ICICI Bank, gradually lowered their FD interest rates, which primarily resulted from the Reserve Bank of India’s recent repo rate decrease.

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These new developments have definitely raised fresh doubts among depositors: is it better to lock in the rates now or wait for a longer period? Although the rates haven’t been slashed significantly, banks have adjusted returns up and down across the most important tenures, making some FDs more appealing than others, particularly for senior citizens and short-term investors. If security, guaranteed returns, and perfect timing are your main concerns, this rate change is the perfect reminder to be patient and compare tenures carefully before deciding where to put your money.

Comparison Of Best FD Rates (December 2025)

For deposits below ₹3 crore

Tenure	SBI (Public / Senior)	HDFC Bank (Public / Senior)	ICICI Bank (Public / Senior)
1 Year	6.25% / 6.75%	6.25% / 6.75%	6.25% / 6.75%
2 Years	6.40% / 6.90%	6.45% / 6.95%	6.40% / 6.90%
3 Years	6.30% / 6.80%	6.45% / 6.95%	6.60% / 7.20%
5 Years	6.05% / 7.05%	6.40% / 6.90%	6.60% / 7.20%

Best FD Interest Rates & Top Bank Schemes To Watch (December 2025)

Peak FD Interest Rates

SBI: 6.45% (general) / 6.95% (senior citizens) for a 444-day tenure
HDFC Bank: 6.60% (general) / 7.10% (senior citizens) for 18–21 months
ICICI Bank: 6.60% (general) / 7.20% (senior citizens) for 2–5 years

Best FD Options for Short-Term Investments

SBI: Amrit Vrishti Scheme offering 6.45% (general) and 6.95% (senior citizens) for 444 days
HDFC Bank: Highest regular rate of 6.60% for 18–21 months

Best FD Rates for Senior Citizens

ICICI Bank: Highest return of 7.20% for tenures from 2 years 1 day to 5 years
SBI: 7.05% for long-term deposits (5–10 years) under the We-Care Scheme

Are you curious about the actual earnings of your fixed deposit? Do not speculate, just do the math! Visit the official FD calculators available on the websites of SBI, HDFC Bank, or ICICI Bank. Simply input your amount and period, and allow the figures to uncover the gains your money can silently bloom into.

(With Inputs)

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SBI vs HDFC Bank vs ICICI Bank: Compare Best FD Rates After RBI Repo Cut; Where Should You Put Your Money?

SBI, HDFC Bank, and ICICI Bank revise FD rates after the RBI repo cut. Here’s a clear comparison of tenures, senior citizen benefits, and the best fixed deposit options in December 2025.

Comparison Of Best FD Rates (December 2025)

Best FD Interest Rates & Top Bank Schemes To Watch (December 2025)

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