Top 5 Fixed Deposit (FD) Schemes Offering High Interest Rates Before March 31, 2025

Discover the top 5 FD schemes offering high interest rates before March 31, 2025. Learn about their benefits, eligibility, and how much you can earn from your investment.

By Praveen Singh
Published on
Top 5 Fixed Deposit (FD) Schemes Offering High Interest Rates Before March 31, 2025
Top 5 Fixed Deposit (FD) Schemes

Fixed Deposits (FDs) have always been a popular choice for Indian investors looking for stable and guaranteed returns—especially in times of stock market fluctuations. With the financial year ending on March 31, 2025, banks are offering special FD schemes with higher interest rates for a limited time.

Top 5 Fixed Deposit (FD) Schemes

FeatureDetails
Best FD SchemesSBI Amrit Vrishti, SBI Amrit Kalash, IDBI Utsav Callable FD, Indian Bank IND Super 400 Days, Unity Small Finance Bank 1001 Days FD
Highest Interest RateUp to 9.00% per annum (Unity Small Finance Bank)
EligibilityGeneral Public, Senior Citizens, Super Senior Citizens
Investment Period400 days to 1001 days
Last Date to ApplyMarch 31, 2025

If you’re looking for safe investments with high returns, these 5 FD schemes are your best bet before March 31, 2025. They provide assured income, flexible tenure, and higher interest rates than regular savings accounts. Invest now before these special rates expire!

Why Invest in FDs Now?

In uncertain times, Fixed Deposits provide a safe and predictable investment option. Here’s why now is the best time to invest:

Limited-Time High Interest Rates: Special FDs with increased returns expire after March 31, 2025.

Guaranteed Returns: Unlike stocks, FDs do not fluctuate and provide fixed interest.

Senior Citizen Benefits: Special rates for senior citizens (60+) and super senior citizens (80+).

Flexible Tenure Options: Investment periods ranging from 400 days to 1001 days.

Now, let’s look at the top 5 FD schemes that you should consider investing in before the deadline.

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1. SBI Amrit Vrishti (444 Days FD)

Interest Rate: 7.25% (General), 7.75% (Senior Citizens)
Tenure: 444 Days
Minimum Deposit: ₹5,000
Last Date to Apply: March 31, 2025
Official Website: SBI

Why Choose SBI Amrit Vrishti?

  • Safe and reliable investment backed by India’s largest bank.
  • Higher interest rates compared to regular FD schemes.
  • Available for both domestic and NRI customers.

Example: If you invest ₹1,00,000 for 444 days, you’ll earn ₹9,090 in interest as a senior citizen.

2. SBI Amrit Kalash (400 Days FD)

Interest Rate: 7.10% (General), 7.60% (Senior Citizens)
Tenure: 400 Days
Minimum Deposit: ₹10,000
Last Date to Apply: March 31, 2025
Official Website: SBI

Why Choose SBI Amrit Kalash?

  • A shorter tenure of 400 days makes it a great option for liquidity.
  • Higher returns compared to normal savings accounts.
  • Easy premature withdrawal and loan facilities.

Example: A ₹2,00,000 investment for 400 days will generate ₹15,210 interest for senior citizens.

3. IDBI Utsav Callable FD (555 Days)

Interest Rate: 7.40% (General), 7.90% (Senior Citizens), 8.05% (Super Senior Citizens)
Tenure: 555 Days
Minimum Deposit: ₹10,000
Last Date to Apply: March 31, 2025
Official Website: IDBI Bank

Why Choose IDBI Utsav FD?

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  • Higher interest for 80+ investors (Super Senior Citizens get 8.05%).
  • Ideal for people who want fixed but higher returns.
  • Option to avail a loan against the FD.

Example: Investing ₹5,00,000 will yield ₹65,375 in interest for super senior citizens.

4. Indian Bank IND Super 400 Days FD

Interest Rate: 7.30% (General), 7.80% (Senior Citizens), 8.05% (Super Senior Citizens)
Tenure: 400 Days
Minimum Deposit: ₹5,000
Last Date to Apply: March 31, 2025
Official Website: Indian Bank

Why Choose Indian Bank IND Super FD?

  • Competitive interest rates for both regular and senior citizens.
  • Safe investment with government backing.
  • Best suited for investors looking for short-term yet high returns.

Example: If a super senior citizen invests ₹3,00,000, they will earn ₹32,150 interest in 400 days.

5. Unity Small Finance Bank 1001 Days FD

Interest Rate: 9.00% (General Public)
Tenure: 1001 Days
Minimum Deposit: ₹10,000
Last Date to Apply: March 31, 2025
Official Website: Unity Small Finance Bank

Why Choose Unity Small Finance Bank FD?

  • Highest interest rate in India (9.00%).
  • Best suited for long-term investors looking for maximum returns.
  • Backed by RBI-approved banking regulations.

Example: A ₹5,00,000 investment will generate ₹1,21,775 interest in 1001 days.

see also: SBI Bank FD Rates 2025 You will invest immediately after seeing the benefits

Top 5 Fixed Deposit (FD) Schemes FAQs

1. Are these FD rates guaranteed?

Yes, the interest rates mentioned are fixed until March 31, 2025, but banks may change them after this period.

2. Can I withdraw my FD before maturity?

Yes, most banks allow premature withdrawal, but a penalty may apply.

3. Are FD returns taxable?

Yes, TDS (Tax Deducted at Source) is applicable if interest exceeds ₹40,000 (₹50,000 for senior citizens).

4. Which is the best FD scheme?

For short-term, SBI Amrit Kalash is great. For long-term, Unity Small Finance Bank offers 9.00% returns.

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