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

Choosing the right savings account can maximize your income. Best Savings Account Interest Rates Choosing the right savings account can maximize your income.

Best Savings Account Interest Rates

Janvi Koli

May 31, 2025

Last update on May 31, 2025

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.

About Author

Janvi Koli

Digital Marketing Executive

Janvi is an expert content writer focused on taxation and compliance. She writes insightful articles on income tax, GST, company law, and government policies. Known for her practical approach, she simplifies complex regulations to help readers stay informed and compliant. She can be reached at [email protected]