Fixed Deposit (FD) is one of the most popular and safe investment options in India. This is ideal for those who want to get good returns while keeping their money safe. In recent years, FD interest rates have changed significantly, especially by small finance banks. In 2025, some banks have raised their interest rates to 9%, which is an attractive opportunity for investors.
If you also want to get maximum returns while keeping your money safe, then it is important to know which banks are paying the most interest and what their plans are. In this article, we will give you information about banks paying 9% interest on FD and explain their benefits in detail.
What is fixed deposit (FD)?
Fixed deposits are an investment option in which you deposit your amount in the bank for a certain period and receive guaranteed interest on it. This investment is risk-free and provides you fixed returns on time. FD’s interest rates vary on the basis of bank, duration and investment amount.
What are the 9% interest banks on FD?
In 2025, some small financial banks and other institutions are providing 9% interest rates on their FD schemes. Details of these banks are given below:
| Bank name | Interest rate (%) |
| Unity short finance bank | 9.00% (1001 days) |
| North East Small Finance Bank | 9.00% (18 months to 36 months) |
| Sunrise small finance bank | 8.60% (5 years) |
| Utkarsh small finance bank | 8.50% (2-3 years) |
| Mass small finance bank | 8.25% (1-3 years) |
| Ujjivan Small Finance Bank | 8.25% (18 months) |
Unity Small Finance Bank special plan
Unity Small Finance Bank is currently providing the highest interest rate. This bank pays 9% to ordinary citizens for a period of 1001 days and 9.50% per year to senior citizens. The scheme is suitable for long -term investors who want stable and high returns.
North East Small Finance Bank
North East Small Finance Bank also provides attractive interest rates. This bank pays interest at a rate of 9% per year for a period from 18 months to 36 months. The scheme is ideal for small and medium -term investors.
Other major banks and their plans
Below is the details of FD schemes of other banks:
- Suryoday Small Finance Bank: This bank provides 8.60% per year interest for a period of 5 years.
- Utkarsh Small Finance Bank: Utkarsh Bank pays 8.50% interest for a period of 2-3 years.
- Jana Small Finance Bank: Jana Bank gives 8.25% return for a period of 1-3 years.
- Ujjivan Small Finance Bank: Ujjivan Bank also offers 8.25% interest for a period of 18 months on its FD schemes.
Why is FD getting high interest rate?
Increased interest rates on FD are the result of changes in repo rates by the Reserve Bank of India (RBI). When repo rates increase, banks have to pay more interest on their deposit plans so that they can attract more investment. Small Finance Banks, which mainly serve small businesses and rural areas, remain in competition by giving high interest rates.
Noted things before investing in FD
Before investing in fixed deposits, it is important to pay attention to the following aspects:
- Bank’s reliability: When investing in small financial banks, their financial condition and DICGC insurance coverage should be checked.
- FD period: Choose the correct duration according to your needs so that you can meet your goals on time.
- Interest Rate Comparison: Compare the interest rates of different banks so that you get the best option.
- Senior Citizen Benefits: If you are a senior citizen, avail additional interest rate.
Who people who take advantage of FD?
Fixed deposit is ideal for those who:
- Want to invest risk-free.
- Want certain and stable returns.
- Want to meet long or medium -term financial goals.
- Senior citizens who want regular income.
conclusion
In 2025, FD schemes have become extremely attractive to investors, especially due to the highest interest rates introduced by small finance banks. Institutions like Unity Small Finance Bank and North East Small Finance Bank are giving 9% returns to ordinary citizens, which is much better than other options available in the market. However, it is necessary to be careful while investing in FD and deposit only the same amount that can be covered by DICGC insurance.
Disclaimer
This article is written only for the purpose of providing information. The highest interest rates on FD schemes are real but before investing, check the terms and reliability of the concerned bank carefully. Always consult your financial advisor.
