Fixed Deposit Interest Rates in Kolkata (2026)

Kolkata's investors have always had a reputation for being careful and methodical with their savings and fixed deposits remain a preferred choice for those who want stable, predictable returns. FD rates in Kolkata currently 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 Kolkata across banks.

Best FD Rates in Kolkata

Across banks operating in Kolkata, small finance banks tend to offer the most attractive FD rates, while large public and private sector banks provide greater familiarity and branch accessibility. Here's a look at the highest FD interest rates in Kolkata currently available to general citizens, along with the estimated monthly payout on a ₹10 lakh deposit.

You can use an FD calculator to quickly figure out how much your deposit will grow by maturity. You just need to enter the principal, tenure, and interest rate to get an instant estimate.

Best FD Rates for Senior Citizens in Kolkata

Senior citizens across Kolkata can benefit from an additional interest rate of up to 0.50% over the standard FD rate. This extra return can make a meaningful difference for those relying on FD income as a primary source of monthly cash flow. Below are the best senior citizen FD rates in Kolkata in 2026.

Tax on FD Interest in Kolkata

The tax treatment of FD interest income is the same whether you invest in Kolkata, Chennai, Pune, or any other city in India, there is no city-level variation in taxation rules.

How to Open an FD in Kolkata Through Stable Money?

Stable Money is a platform that lets you compare FD interest rates from multiple banks in one place and invest directly without visiting a branch. For Kolkata investors who prefer a fast, paperless process, it can be a convenient option. Here's how to get started:

• Download the Stable Money App from the Google Play Store or Apple App Store.
• Register using the mobile number linked to your Aadhaar card.
• Browse FD options from various banks and NBFCs listed on the homepage.
• Compare interest rates, tenures, and payout frequencies side by side.
• Select the FD that fits your goals and click on Invest Now.
• Enter your investment amount and click Continue.
• Submit your KYC details — Aadhaar and PAN card information.
• Add a nominee and review all the details you've entered.
• Link your bank account for future withdrawals.
• Complete VKYC — a one-time video-based verification step.
• Make the payment to confirm your FD booking.

Once booked, you'll receive your FD receipt via SMS, email, and WhatsApp. You can also access it anytime in the app's passbook section, which includes details like your FDR number, customer ID, maturity date, and interest rate.