Top 10 Banks With The Most Savings Account Interest Rates in 2025

In 2025, Indian banks are offering competitive interest rates on savings accounts, with some institutions providing rates as high as 8.00% per annum. These rates vary based on the account balance and the bank’s policies. For instance, DCB Bank offers up to 8.00% interest for balances between ₹1 crore and ₹3 crore, while ESAF Small Finance Bank provides up to 7.50% for balances above ₹5 lakh up to ₹15 crore. Similarly, Utkarsh Small Finance Bank offers up to 7.50% for balances above ₹5 lakh up to ₹50 crore.

Other banks like Suryoday Small Finance Bank, Ujjivan Small Finance Bank, Jana Small Finance Bank, RBL Bank, IDFC FIRST Bank, AU Small Finance Bank, and DBS Bank (Digibank) also offer attractive rates ranging from 7.00% to 7.50% depending on the balance maintained.

Here’s The List of Top 10 Banks

1. DCB Bank – 8.00% p.a.

• Balance Required: Rs 1 crore to Rs 3 crores
• The interest is credited quarterly

2. DBS Bank (Digibank) – 7.00% p.a.

• Balance required: Rs. 4–5 lakh
• Most accessible option for moderate savers

3. Utkarsh Small Finance Bank – 7.50%

• Balance Required: Above Rs 5 lakh (up to Rs 50 crore)
• The interest received every quarter

4. Suryoday Small Finance Bank – 7.50%

• Balance Required: Above Rs 10 lakh (up to Rs 2 crore)
• The rate of interest is slab-based.

5. ESAF Small Finance Bank – 7.50% p.a.

• Balance Required: Above Rs 5 lakh (up to Rs 15 crore)
• premium rate on your incremental balance above Rs 5 lakh

6. Jana Small Finance Bank – 7.50%

• Balance Required: Above Rs 10 lakh (up to Rs 10 crore)
• Comprehensive tier system.

7. RBL Bank – 7.50%

• Balance required: Rs 25 lakh to Rs 3 crore
• Interest is credited to your account quarterly.

8. IDFC FIRST Bank – 7.00% p.a.

• Balance required: above Rs 5 lakh (up to Rs 25 crore)
• Interesting feature: interest is credited monthly, which promotes compounding.

9. AU Small Finance Bank – 7.00% p.a.

• Balance required: Rs 1 crore
• Offers premium rates for extremely high balances.

10. Ujjivan Small Finance Bank – 7.50%

• Balance required: above Rs 25 lakh
• Aims to attract HNWI (High-Net-Worth Individual)

Key Notes

• Most banks credited interest quarterly.
• Typically, higher balances earn better rates.
• Rates were current as of May 2025 and can change anytime.
• Always check to see the current rates and terms before opening any accounts.
• Check minimum balance requirements, fees and other add-on services you wish to have when you decide.