Fixed Deposit Interest Rates in Patna (2026)

Patna investors looking for safe and reliable returns have plenty of fixed deposit options to choose from in 2026. With several banks offering FD interest rates above 8% p.a., fixed deposits remain one of the most popular savings instruments in the city. Compare the latest FD rates in Patna, monthly income payouts, and senior citizen benefits to find the right investment for your needs.

Best FD Rates in Patna

Investors in Patna can choose from a wide range of fixed deposit options offered by small finance banks, private banks, and public sector banks. The table below compares the best FD rates in Patna accross tenures with estimated monthly payouts.

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You can calculate returns from your fixed deposits in Patna 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.

Best FD Rates for Senior Citizens in Patna

Senior citizens can earn an additional interest of 0.25% to 0.75% above regular FD rates. These higher returns can significantly improve retirement income and long-term savings accumulation. The following table compares the highest senior citizen FD rates in Patna along with estimated monthly payouts on a ₹10 lakh investment.

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Tax on FD Interest in Patna

The taxation on FD interest in Patna follows the same rules applicable across India. Interest earned on fixed deposits is added to your total taxable income and taxed according to your income tax slab.

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

How to Open an FD in Patna Through Stable Money?

Stable Money enables investors to compare fixed deposit rates from multiple banks and book an FD completely online. Instead of checking multiple bank websites individually, you can compare interest rates, payout options, and tenures in one place. Follow the simple steps mentioned below to open an FD in Patna through Stable Money:

• Download the Stable Money App.
• Register using your Aadhaar-linked mobile number.
• Compare FD options from multiple banks.
• Select the FD that matches your goals.
• Enter the investment amount and tenure.
• Complete Aadhaar and PAN verification.
• Add nominee details.
• Link your bank account.
• Complete Video KYC.
• Make the payment and confirm your investment.

Once your FD is successfully booked, you can access the FD receipt through the app and receive confirmations via email, SMS, and WhatsApp.