When it comes to earning good amount on your savings, nothing beats like Fixed Deposits (FD), as this gives you an opportunity to earn decent amount in form of interest earned on your savings.However, it is worth noting that FD interest rates differ from each bank and it becomes important for investors to choose the best bank which meets their long term investment goals.Which banks offer attractive FD rates as of AprilThe current gap in FD interest rates between banks impact your finances. At present, Small Finance Banks are offering the highest FD interest rates in India, going up to 8.60 per cent per annum for general citizens.Public sector banks, meanwhile, are stuck in the 6.40-6.75 per cent band. Let’s take a quick look at Small Finance Bank FD rates for April 2026:BankDurationMaximum FD Interest Rate (%)Unity Small Finance bank1001 days8.60Suryoday Small Finance Bank30-36 months8.40Shivalik Small Finance BankChose durations8.30Utkarsh Small Finance Bank2-3 years8.25Jana Small Finance Bank3 years8Interestingly, seniors citizens can get up to 8.75 per cent with a bank like Utkarsh since they receive an extra 0.50 per cent on top of all these rates.Meanwhile, the current cap on public sector bank FD rates for exceptional tenures is between 6.70 and 6.75 per cent per annum; in general, this category remains in the low-return range.  The current FD interest rates for government banks are as follows:BankMax Rate (General) (%)Senior Citizen Rate (%)Punjab & Sind BankRs 6.75Rs 7.25Bank of IndiaRs 6.70Rs 7.00Bank of MaharashtraRs 6.65Rs 7.15Punjab National BankRs 6.60Rs 6.80Canara BankUp to 6.60Up to 7.00State Bank of India6.406.90As of March 15, SBI FD interest rates for the general public range from 3.05 to 6.40 per cent annually. The ideal option at SBI is about 6.90 per cent as senior citizens receive an additional 0.50 per cent.Canara Bank’s 444-day special offer is 6.50 per cent for regular customers and 7 per cent for senior citizens. For certain terms, Bank of India’s FD interest rates can exceed 6.70 per cent.