Fixed Deposit Interest Rates in Pune (2026)

Pune's growing investor base has made fixed deposits one of the most preferred savings instruments in the city. FD rates in Pune go up to 8.10% p.a. for general citizens and 8.50% p.a. for senior citizens. Read on to compare the latest fixed deposit interest rates in Pune across banks.

Best FD Rates in Pune

Pune investors have access to a wide range of fixed deposit schemes from national banks, private banks, and small finance banks. The table below lists the best FD rates in Pune currently available, along with estimated monthly payouts on a ₹10 lakh investment.

You can estimate your returns using an FD calculator by simply entering ,  your investment amount, tenure, and interest rate to see your projected maturity value and total interest earned.

Best FD Rates for Senior Citizens in Pune

Senior citizens in Pune typically earn an extra 0.25% to 0.50% interest over standard FD rates, making fixed deposits especially attractive for retirees seeking a steady, predictable income. The table below highlights the best senior citizen FD rates currently available in Pune.

Tax on FD Interest in Pune

The tax rules that apply to FD interest income are the same across all cities and states in India — there are no Pune-specific or Maharashtra-specific exemptions. The interest you earn from a fixed deposit is added to your total income for the year and taxed as per the income tax slab you 

How to Open an FD in Pune Through Stable Money?

Stable Money makes it easy to compare and invest in fixed deposits from multiple banks without visiting a branch. Pune investors can browse interest rates, check tenure options, compare monthly payout plans, and complete the entire booking process online through the app. Here's a step-by-step guide:

• Download the Stable Money App from the Google Play Store or Apple App Store.
• Register using your mobile number linked to your Aadhaar Card.
• Browse the FD options from multiple banks and NBFCs listed on the homepage.
• Compare FDs by interest rate, tenure, and payout frequency.
• Select the bank FD you want to invest in.
• Choose your preferred tenure.
• Tap Invest Now and enter your investment amount.
• Hit Continue to proceed.
• Enter your Aadhaar and PAN card details on the next screen.
• Add a nominee and review all the information carefully.
• Link your bank account for withdrawals.
• Complete the one-time VKYC (Video KYC) verification.
• Make your payment to finalise the investment.

Once your FD is booked, you'll receive a confirmation and your FD receipt via SMS, email, and WhatsApp. The receipt — which includes your FDR number, customer ID, and other key details — is also available in the Passbook section of the app.