Fixed Deposit Interest Rates in Guwahati (2026)

Looking for the best FD rates in Guwahati? Investors in Guwahati can choose from a wide range of fixed deposits currently offering interest rates above 8% p.a. Continue reading for the latest FD rates in Guwahati for general and senior citizens to identify the right deposit.

Best FD Rates in Guwahati

Investors seeking higher fixed deposit returns can compare rates across small finance banks, private banks, public sector banks, and regional banks operating in Guwahati. The table below highlights some of the best FD rates currently available, along with their preferred tenures and estimated monthly payouts on a ₹10 lakh deposit:

You can calculate returns from your fixed deposits with an FD calculator. Use the FD calculator below to estimate your maturity amount, total interest earned based on your investment amount, tenure, and interest rate.

Guwahati-Based Co-operative Banks FD Rates

Apart from national banks, Guwahati investors can also consider cooperative banks that cater specifically to customers in Guwahati. These banks often provide competitive FD rates and personalised banking services.

Best FD Rates for Senior Citizens in Guwahati

Senior citizens can earn additional interest of up to 0.75% over regular FD rates, depending on the bank and tenure chosen. This higher rate can significantly improve retirement income and long-term savings growth.

The table below compares the best senior citizen FD rates available in Guwahati along with estimated monthly payouts on a ₹10 lakh investment:

Tax on FD Interest in Guwahati

The taxation of fixed deposit interest in Guwahati is the same as in the rest of India. Interest earned from FDs is added to your total income and taxed according to your applicable income tax slab.

Banks may deduct TDS if the interest earned exceeds the prescribed threshold during a financial year. Eligible investors can submit Form 15G or Form 15H to avoid TDS deduction if their taxable income falls below the exemption limit.

How to Open an FD in Guwahati Through Stable Money?

Opening an FD through Stable Money is a fully digital process that allows you to compare multiple banks and book a fixed deposit within minutes. Here are the steps to invest in an FD in Guwahati using the Stable Money App:

• Download the Stable Money app.
• Register using your Aadhaar-linked mobile number.
• Browse FD options from partner banks.
• Compare interest rates, tenures, and payout frequencies.
• Select your preferred FD.
• Enter the investment amount and tenure.
• Complete PAN and Aadhaar verification.
• Add nominee details.
• Complete Video KYC.
• Make the payment and confirm your investment.

Once booked, your FD receipt is available through the app and is also shared via your registered email and mobile number.