Savings Account Interest Rates

Principal Amount

₹

₹10K₹1Cr

Compare what your savings actually earn across India's top banks — updated regularly from official sources.

Rates updated today·23 Mar 2026

Limit ₹5L per bank for low higher risk banks

Your deposits are government-insured up to ₹5 lakh per bank. Keep this on to stay within the safe limit for smaller banks.

Best Overall Returns

Bank	Deposit	Eff. Rate	Yearly InterestYearly
Slice (formerly North East Small Finance Bank)DICGC CRISIL BBB-	₹1,00,000	5.25%	₹5,250
Total	₹1,00,000	5.25%	₹5,250

How we pick

We keep no more than ₹5 lakh in any bank that doesn’t have a top-tier safety rating (AA- or above), so your money stays insured. When two banks pay the same rate, we pick the one with the better safety rating.