FD rates October 2026 me sabse zyada byaaj kahan mil raha hai — yeh sawaal har us vyakti ke man me hai jiske paas bachat padi hai aur woh use “safe” jagah lagana chahta hai. Lekin yahi woh jagah hai jahan kai log phas jaate hain: bank ka board “7% tak byaaj” kehta hai, par woh rate 5 saal wali FD par hota hai jabki aapko 1 saal ke liye chahiye tha.
Is guide me SBI, HDFC Bank, ICICI Bank aur post office ki October 2026 ki asal rates tenure-wise di gayi hain — sab official rate cards se li hui. Padhne ke baad aap khud tay kar payenge ki aapki rakam, aapke samay par, kahan sabse zyada badhegi.
SBI FD Rates October 2026 (₹3 Crore Se Kam)
SBI ke retail domestic term deposit rates (15 Dec 2025 se lagu, 19 Oct 2026 ko update):
| Tenure | General | Senior citizen |
|---|---|---|
| 1 saal – 2 saal se kam | 6.25% | 6.75% |
| 2 saal – 3 saal se kam | 6.40% | 6.90% |
| 3 saal – 5 saal se kam | 6.30% | 6.80% |
| 5 saal – 10 saal | 6.05% | 7.05% (We-care sahit) |
| Amrit Vrishti (444 din) | 6.45% | 6.95% |
SBI me senior citizens ko aam taur par 0.50% zyada milta hai; 5-10 saal wali slab me We-care premium judkar 7.05% tak jaata hai.
HDFC Bank FD Rates (19 Aug 2026 Se Lagu)
| Tenure | General | Senior citizen |
|---|---|---|
| 1 saal – 15 mahine se kam | 6.25% | 6.75% |
| 18 mahine – 21 mahine | 6.45% | 6.95% |
| 3 saal 1 din – 4 saal 7 mahine se kam | 6.50% | 7.10% |
HDFC ka sabse zyada general rate 6.50% (lagbhag 3-4.5 saal wali slab) aur senior citizen ka 7.10% hai.
ICICI Bank FD Rates (21 Oct 2026 Se Lagu)
| Tenure | General | Senior citizen |
|---|---|---|
| 1 saal – 389 din | 6.25% | 6.75% |
| 2 saal 1 din – 3 saal | 6.45% | 6.95% |
| 3 saal 1 din – 5 saal | 6.50% | 7.10% |
ICICI ne 21 October 2026 se rates revise kiye hain — iska top general rate 6.50% aur senior citizen rate 7.10% hai.
Post Office Time Deposit: Bankon Se Aage?
FinMin ke Oct-Dec 2026 rates ke hisaab se post office TD: 1 saal 6.9%, 2 saal 7.0%, 3 saal 7.1%, 5 saal 7.5%. Dekhiye 5-saal ki tulna:
- SBI 5-10 saal: 6.05% (general) / 7.05% (senior)
- Post office 5-saal TD: 7.5% (sabke liye) + 80C benefit
Matlab 5 saal ke liye post office TD bade bankon ki FD se aage hai — aur us par 80C deduction bhi milta hai. Chhoti tenure (1-2 saal) me bank aur post office lagbhag barabar hain.
Real-Number Example: ₹5 Lakh, 1 Saal
- SBI (general, 6.25%): saal bhar me byaj = 5,00,000 × 6.25% = ₹31,250
- Post office 1-saal TD (6.9%): byaj = 5,00,000 × 6.9% = ₹34,500
- Fark: ₹3,250 — sirf jagah badalne se, bina koi risk liye.
Senior citizen SBI me 2-saal wali FD (6.90%) par ₹5 lakh par saal me lagbhag ₹34,500 byaj paate hain. Yahi 0.50% ka extra lambe samay me bada fark banata hai.
TDS Aur Premature Withdrawal: Do Zaroori Niyam
TDS: Ek financial year me FD byaj ₹50,000 (general) ya ₹1,00,000 (senior citizen, April 2025 se) se zyada hua to bank 10% TDS kaat lega (PAN diya ho to). TDS katna = tax dena nahi — apne slab ke hisaab se ITR me hisaab hoga. Form 15G/15H jama karke TDS rukwaya ja sakta hai (shartein lagu): https://jagatindia.com/form-15g-15h-kya-hai/
Premature withdrawal: FD samay se pehle todne par aam taur par 0.50%-1% penalty lagti hai — matlab wada kiya hua rate nahi milega. Isliye utne hi samay ki FD karein jitne samay tak paise ki zaroorat na ho. Emergency me FD par loan lena todne se behtar hota hai: https://jagatindia.com/fd-par-loan-kaise-lein/
FD se zyada return chahne walo ke liye debt fund bhi ek option hai: https://jagatindia.com/debt-fund-kya-hai/
Aam Galtiyan: Inse Bachein
- Sirf headline rate dekhna — “7.10% tak” sunkar khush hona, par woh rate 5-saal ya senior citizen slab ka hai. Hamesha apni tenure wali row dekhein.
- Auto-renewal bhoolna — maturity par bank FD ko purane rate par renew kar deta hai. Maturity se pehle khud faisla lein.
- TDS ko final tax samajhna — 10% TDS katne ka matlab yeh nahi ki tax poora ho gaya. 20-30% slab me hain to baaki tax ITR me dena hoga.
- 5-saal tax-saving FD ka lock-in bhoolna — 80C wali 5-saal FD ko beech me toda nahi ja sakta. Paisa phas sakta hai.
FAQs
October 2026 me sabse zyada FD rate kaunsa bank de raha hai? FD rates October 2026 ke hisaab se general customers ke liye HDFC aur ICICI 6.50% tak (3-5 saal slab), SBI 6.45% (Amrit Vrishti 444 din). Senior citizens ke liye HDFC/ICICI 7.10% tak. 5-saal ke liye post office TD 7.5% sabse aage hai.
Kya FD ka byaj poora tax-free hota hai?
Nahi. FD ka byaj aapki income me judta hai aur slab ke hisaab se tax lagta hai. Sirf PPF/SSY jaise kuch options ka byaj tax-free hai.
Senior citizen ko kitna extra byaaj milta hai?
Aam taur par 0.50% saal zyada. SBI ki kuch lambi tenure wali schemes me We-care premium judkar yeh aur badh jaata hai.
FD beech me todne par kya nuksan hai?
Aam taur par 0.50%-1% penalty — matlab kam byaj milega. Zaroorat ho to FD par loan lena aksar todne se sasta padta hai.
Kya chhote finance bank zyada byaaj dete hain?
Haan, aksar 0.50%-1% zyada dete hain, lekin DICGC insurance sirf ₹5 lakh tak hai — badi rakam se pehle yeh samajh lein.
Yeh sirf jaankari hai, financial advice nahi hai. Rates bank dwara badle ja sakte hain — nivesh se pehle bank ki official website se latest rates verify karein.
Sources: SBI/HDFC Bank/ICICI Bank official FD rate pages (Oct 2026); FinMin DEA OM 30 Sep 2026 (post office TD rates).