Savings Account Interest Rates 2026
Compare savings account interest rates for regular and senior citizens across SBI, HDFC, ICICI, Kotak, Axis, and small finance banks. Updated weekly.
| Bank | Regular Rate | Senior Citizen Rate | Notes |
|---|---|---|---|
| SBI | 2.50% | 3.00% | Flat rate for all balances |
| HDFC Bank | 2.50% | 3.50% | Up to ₹50L; 3.50% above ₹50L |
| ICICI Bank | 2.50% | 3.50% | Up to ₹50L; 3.50% above ₹50L |
| Axis Bank | 2.50% | 3.50–4.00% | Tiered: higher rate above ₹50L |
| Kotak Mahindra | 2.50% | 4.00–4.50% | Higher rate on ActivMoney sweep |
| IndusInd Bank | 2.50–5.00% | 4.50–5.50% | Tiered by balance |
| Yes Bank | 2.50–4.00% | 5.50–6.50% | Higher rate above ₹1L |
| IDFC First | 3.00–6.50% | 3.50–7.00% | Highly tiered; 6% on ₹5L+ |
| Bank of Baroda | 2.75% | 3.25% | Flat rate |
| Punjab National Bank | 2.50–4.25% | 3.20% | Flat rate |
| Equitas SFB | 2.75–7.00% | 4.00–7.50% | Best rate on ₹1L–₹5L |
| AU Small Finance | 2.50–6.50% | 4.00–7.75% | Highly tiered; ₹25L+ gets 7.25% |
| Jana SFB | 2.50–7.00% | 4.00–7.75% | Competitive across all slabs |
| Unity SFB | 4.50–7.50% | 5.00–8.00% | Highest base rate; best for ₹5L+ |
| Ujjivan SFB | 2.75–7.25% | 4.25–7.00% | Good rate above ₹1L |