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% | 2.50% | Flat rate for all balances; no separate senior rate |
| HDFC Bank | 2.50% | 2.50% | Flat 2.50% on all balances |
| ICICI Bank | 2.50% | 2.50% | Flat 2.50% on all balances |
| Axis Bank | 2.50% | 2.50% | 2.50% below ₹2,000 crore; MIBOR + 1.01% at ₹2,000 crore and above (from 3 Apr 2026) |
| Kotak Mahindra | 2.50% | 2.50% | 2.50% up to ₹1,000 crore; MIBOR-linked above that |
| IndusInd Bank | 2.50–7.05% | 2.50–7.05% | 2.50% to ₹1L; 3% to ₹25L; 4% to ₹5 crore; 5% to ₹100 crore; about 7% above that |
| Yes Bank | 2.50–4.00% | — | Not re-verified in Oct 2026; check Yes Bank rate page |
| IDFC First | 2.50–7.00% | 2.50–7.00% | 2.50% to ₹3L; 7% on ₹3L–25L; 6% above ₹25L |
| Bank of Baroda | 2.50% | 2.50% | Flat rate up to ₹50 crore |
| Punjab National Bank | 2.50% | 2.50% | Flat rate up to ₹100 crore |
| Equitas SFB | 2.75–7.00% | — | Not re-verified since early 2025 slabs; check Equitas rate page |
| AU Small Finance | 2.50–6.75% | 2.50–6.75% | 2.50% to ₹3L; 6.50% on ₹10L–25 crore; 6.75% above |
| Jana SFB | 2.50–7.00% | 2.50–7.00% | Tiered; 7.00% above ₹50L |
| Unity SFB | 4.50–7.00% | 4.50–7.00% | 4.50% to ₹1L; 6% to ₹10L; 7% above ₹10L |
| Ujjivan SFB | 2.50–7.15% | 2.50–7.15% | 2.50% to ₹3L; 6.50% on ₹5–25L; 6.75% to ₹25 crore; 7.15% above; no extra for senior citizens |