In April 2026, fixed deposit rates across major banks vary significantly. SBI offers 6.5–7% for 1–5 years, ICICI Bank provides 6.7–7.2%, while HDFC gives 6.6–7.1%. Senior citizens earn an extra 0.25–0.50%. Small finance banks like Ujjivan offer up to 7.5%, making short- and long-term deposits attractive for conservative investors.