Published: Tuesday, June 9, 2026, 12:34 [IST]
Fixed Deposits (FDs) are considered one of the most trusted investment option for Indian investor. Although Mutual funds and the stock market may offer higher returns, many investors still prefer FD because they provide guaranteed returns and Ensure the safety of the Principal Amount. Today using the best FD app in India has Made it incredibly easy to Compare FD rates, invest online and manage your Fixed Deposit.
In recent year, the way people invest in FDs has Undergone a significant transformation. Investor no longer need to Visit bank branches, fill out forms or wait for a bank manager approval, they can open an FD from the comfort of their homes in just a few minute using a mobile app. These FD apps allow users to compare interest rates across different banks, Complete digital KYC and manage multiple deposit from a Single dashboard.
If you are looking for the Best FD App in India, this detailed Blog guide will help you understand how these apps work, how to compare top platforms, how to assess Security, and how to choose the right option for your investment goals.
Best FD Apps in India Comparison (2026)
Disclaimer: FD app rating and review count are subject to change. Always check the Latest details on the official app or Google Play Store before investing.
| FD App | FD Rates (Up To) | Minimum Investment | Google Play Rating | Download |
|---|---|---|---|---|
| Tata Neu | Up to 7.50% p.a. | ₹1,000 | ⭐ 4.2 | 50M+ |
| Amazon Pay | Up to 7.9% p.a. | ₹1,000 | ⭐ 4.2 | 500M+ |
| Jio Finance | Up to 8.1% p.a. | ₹1,000 | ⭐ 4.5 | 10M+ |
| Axio App | Up to 8.0% p.a. | ₹1,000 | ⭐ 4.4 | 10M+ |
| CRED App | Up to 8.0% p.a. | ₹1,000 | ⭐ 4.8 | 50M+ |
| Stable Money | Up to 8.15% p.a. | ₹1,000 | ⭐ 4.6 | 5M+ |
| Money View | Up to 8.25% p.a. | ₹1,000 | ⭐ 4.8 | 50M+ |
| Angel One | Up to 8.1% p.a. | ₹1,000 | ⭐ 4.4 | 100M+ |
| InCred Money | Up to 8.3% p.a. | ₹1,000 | ⭐ 4.7 | 1M+ |
| Super Money | Up to 8.25% p.a. | ₹1,000 | ⭐ 4.6 | 50M+ |
Note: Interest rate are subject to change based on Partner bank, NBFC and deposit tenure. Please check the respective app for the Latest rates.
Best FD app for Senior Citizens in india
Compared to general investor Senior citizens Receive interest rate that are 0.25% to 0.75% higher on fixed deposits (FD). Apps such as Tata Neu, Amazon Pay, Angel One and Stable Money allow Senior citizens to Compare Special FD rates offered by Partner banks and small finance banks. Before investing in an FD Senior citizens should Consider factor Such as Capital safety, the Facility for Premature withdrawal and option for Receiving Monthly interest payout. Choosing an app that facilitate deposit with RBI Regulated bank can offer greater Security and Convenience.
| FD App | FD Rates (Up To 0.20%) | Minimum Investment | Google Play Rating | Download |
|---|---|---|---|---|
| Tata Neu | Up to 7.50% to 8.25% p.a. | ₹1,000 | 4.2 | 50M+ |
| Amazon Pay | Up to 8.0% to 8.25% p.a. | ₹1,000 | 4.2 | 500M+ |
| Jio Finance | Up to 8.25% p.a. | ₹1,000 | 4.5 | 10M+ |
| Axio App | Up to 7.3% to 8.25% p.a. | ₹1,000 | 4.4 | 10M+ |
| CRED App | Up to 7.50% to 8.25% p.a. | ₹1,000 | 4.8 | 50M+ |
| Stable Money | Up to 7.90% to 8.30% p.a. | ₹1,000 | 4.6 | 5M+ |
| Money View | Up to 7.30% to 8.30% p.a. | ₹1,000 | 4.8 | 50M+ |
| Angel One | Up to 7.30% to 8.25% p.a. | ₹1,000 | 4.4 | 100M+ |
| InCred Money | Up to 4.15% to 8.25% p.a. | ₹5,000 | 4.7 | 1M+ |
| Super Money | Up to 7.8% to 8.25% p.a. | ₹1,000 | 4.6 | 50M+ |
What is the FD app?
An FD app is a Digital platform that enables user to invest in Fixed Deposit (FD) online. By partnering with bank and NBFC, these apps Facilitate the opening of Fixed Deposits directly through Mobile device.
Instead of opening Separate accounts with multiple bank, investor can compare FD interest rates across different bank and invest easily through a single platform.
Benefits of FD Apps in india
- You can open an FD Account 100% online from the Comfort of your home.
- Minimal Documentation is required, Video KYC Verification is Completed using only your Aadhaar and PAN card.
- You can compare FD rates across multiple bank in just a few minutes to identify the one offering the highest interest rates.
- There is no need to Visit a bank branch, you can open an FD account right from home.
- You can track FD investments from multiple banks within a Single Mobile app.
- You can book a Fixed deposit via the mobile app in less than 5 Minute.
- You can view real time information Regarding the interest earned on your FD.
Why Are Fixed Deposits so Popular in India?
Several factors have Contributed to the rapid growth of FD investment apps, such as:
1. Convenience : Users can easily open an FD from the Comfort of their homes in just a few minute.
2. Better Rate Comparison : While investors previously tended to open FD only with their existing banks, FD apps offer the facility to compare rates across multiple banks and NBFC.
3. Opportunitie to Earn Higher Interest Rates : Small Finance bank and partner institution often offer higher interest rates compared to traditional Large bank like SBI, HDFC Bank and ICICI Bank.
4. Portfolio Management : Investors can Track FD maturity date, returns and renewal schedule through a Single dashboard.
Top 10 Best FD Apps in India 2026
1. Tata Neu
The Tata Neu app integrates various Service offered by Tata Group companies into a Single platform. For instance, you can book flight ticket via Air India, Reserve hotel stays through IHCL, Purchase electronics (offline) at Croma and shop for Fashion and lifestyle products on Tata CLiQ Fashion. In the Financial Sector, it offer option such as Fixed Deposits (FDs).
- The app provide access to Product like Term life insurance, Personal Loan, Investment plans, Fixed deposit and Bonds, Credit card, Forex Cards, Gold Loan, Credit score checks and gift Card.
- With the Tata Neu app, you can open a Fixed deposit with an investment of just ₹1,000. It offer interest rates ranging from 7.25% to 8.25% on FD, Depending on the investment amount and the tenure Chosen.
Note: Interest rates differ between standard fixed deposits and fixed deposits for senior citizens.
2. Amazon Pay
As you may already know, the Amazon Pay app allows you to pay electricity bills, Recharge mobile phones and book travel ticket. Recently Amazon Pay introduced Financial service within the app, enabling you to Purchase Car, bike and health insurance, Pay insurance premium, check your CIBIL Score for free, buy digital gold, and open fixed deposit.
- By opening a Fixed deposit through Amazon Pay, you can earn interest rate ranging from 7.5% to 8.25%.
- It offer the option to open Fixed deposit with 10 Private bank, major NBFC and Government banks.
- You can book an FD on the Amazon Pay app With a Minimum amount of ₹1,000.
3. Jio Finance
Nowaday hardly anyone is Unfamiliar with the Jio app, people queued up to buy its SIM card as soon as its free Service was Launched. Now the same company has Launched its Financial Service, offering a zero balance bank account, Jio BlackRock mutual funds, Jio Gold, Loan Against Share, home loan, health insurance, life insurance and fixed deposit service all of which are now live.
- Currently you can open a Fixed deposit (FD) through Jio Finance across Six NBFC and bank.
- You can earn interest rate ranging from 7.25% to 8.30% on these Fixed deposit.
- You can open an FD on the Jio Finance app with a Minimum investment of ₹1,000.
4. Axio App
We are well aware that very few People have heard of the Axio app, as it rarely market its Financial Service directly to the general public, instead, most of its Service are offered through Partnerships such as Amazon Pay Later, where Axio acts as the Lending partner for the Credit limit Provided to you.
- They do have their own (Pay Later)service but it support only a limited number of online shopping platform.
- In Collaboration with Amazon, they also offer Personal loans of up to ₹4 lakh to their customer.
- Recently the Axio app Launched a Fixed deposit option.
- Through this, you can open fixed deposit with four different NBFC and banks.
- You can earn interest rate ranging from 6.85% to 8.25% on these deposit.
5. CRED App
CRED is a Mobile app highly Popular among users for paying Credit Card bills, offering reward in return. Beyond bill payment, the app provide feature such as gold and silver purchase, free CIBIL score checks and Fixed Deposit option.
- Upon Selecting the Fixed deposit option, user are presented with a List of the top 10 banks and NBFC.
- These bank and NBFC offer interest rates ranging from 6.80% to 8.10% on fixed deposit.
- Users can open fixed deposit ranging from a Minimum of ₹1,000 to a Maximum of ₹20,00,000.
6. Stable Money
If you want to book a Fixed Deposit (FD) from the Comfort of your home using only your PAN and Aadhaar card, you should Definitely check out the Stable Money app. It offer feature like Monthly Recurring Deposit (RD), FD backed Credit card and the option to book Fixed Deposit directly with 09 bank and 3 NBFC.
- The Stable Money app offer interest rate ranging from 7.80% to 8.25% on fixed deposit.
- The best part is that you do not need to visit any bank branch.
- You can start a Fixed deposit with an Amount as low as ₹1,000.
7. Money View
If you are looking for a Personal loan with Minimal documentation, the Money View app is Considered one of the best option available today. This Mobile app offer a wide range of Personal Finance product, including Personal Loans, Gold SIP, home loans, bike/Car insurance, Credit card and Fixed Deposit.
- Through the Money View app, you gain Access to six NBFC and Partner bank, allowing you to book a Fixed deposit starting from as little as ₹1,000.
- These bank and NBFC offer interest rates ranging from 7.30% to 8.30%.
8. Angel One
If you are Looking to invest in the stock market today with Minimal hassle the Angel One app stand out as a top Choice,With the Angel One app, you can Easily buy stock and invest in Mutual fund via SIP.
Recently New Financial Services Specifically Personal Loan and Fixed deposit have been introduced on the Angel One app.
- The app offer fixed deposit option through 08 Small Finance Banks and 02 NBFC.
- Investing in Fixed deposit through the Angel One app allow you to earn interest rate ranging from 7.30% to 8.25%.
- You can book a Fixed deposit on the Angel One app with a Minimum Amount of just ₹1,000.
9. Incred Money
The IncredMoney mobile app is well known among those who invest in unlisted stocks Currently, the app offers a Wide range of stock market related Service,Key service available on the InCredMoney app include stock Broking, Unlisted Share, Digital gold/Silver and Fixed deposit.
- You can invest in Fixed deposit through nine different bank and NBFC available on the Platform.
- The Partner bank and NBFC on the InCredMoney app offer interest rate ranging from 7.30% to 8.25% on Fixed deposit.
10. Super Money
Very few people are aware of the Super Money app, which is operated by Flipkart; it offers features such as bill payments, tuition fee payments, the Super Credit Card, Super Cash, and Super FD,It provide a direct option to open a fixed deposit with a small finance bank.
- The Super Money app allows you to open fixed deposit with eight different banks, offering interest rates ranging from 7.05% to 7.08%.
- You can open an FD with Slice SF Bank starting from ₹1,000 in less than two Minute.
Best FD App in India Interest Rate Comparison
In this Table we have Provided a Chart comparing Fixed Deposit rates across India best Public sector bank, Private bank, Non Banking Financial Companie (NBFC) and Small Finance bank, this will help you easily decide where to open your Fixed Deposit Account.
| FD Type | Typical Interest Rate |
|---|---|
| PSU Bank | 6.0% – 7.5% |
| Private Bank | 6.5% – 7.75% |
| Small Finance Bank | 7.5% – 8.25% |
| NBFC FD | 7.0% – 8.5% |
Note: FD rate vary based on tenure the bank or the customer Normal or Senior citizen Category. Some small finance bank are offering rate of up to 8.25% to their customer.
Who Should Use Which FD App?
Different FD app cater to different type of investors. Some platform focus Primarily on offering the highest FD interest rate, while other Prioritize convenience, bank Comparison tool or Seamless integration With existing Financial Service.
If your Primary goal is to Maximize return on your FD app like Stable Money and Angel One are Excellent choice, as they Facilitate fixed deposit across multiple partner banks. Existing Amazon users might find Amazon Pay highly Convenient due to its Familiar interface and integration with the Amazon ecosystem. For investor already active on stock market platform, a mobile app like Angel One can prove beneficial by allowing them to manage both investment and FD within a Single app.
Similarly Tata Neu user might prefer Tata Neu FD service, whereas user within the Jio Ecosystem might find Jio Finance more Convenient. Ultimately, the best FD app for you depends on your investment goal, preferred banking partner and the Specific feature you require.
Before investing, gather information on bank FD rate, lock in Period and Premature Withdrawal rule and be sure to check customer reviews to Select the best FD app in India.
Is Your FD Safe? Understanding DICGC Insurance
Capital safety is one of the primary reasons why most investors choose Fixed Deposit (FD). However many investors focus solely on the higher interest rates offered by FDs while completely overlooking the safety of their funds.
In India bank Fixed Deposit are protected by the Deposit Insurance and Credit Guarante Corporation (DICGC) a wholly owned subsidiary of the Reserve Bank of India (RBI). Under Current regulation deposit of up to ₹5 lakh Per depositor in each bank are insured this amount Cover both the Principal and the Accrued interest.
This insurance Coverage applies to Commercial banks, Private bank, Public Sector banks, foreign bank operating in India and small finance bank. Therefore, even if a bank face Financial Distres eligible depositor can avail of insurance Protection up to the Specified limit.
However investors should note that Corporate FD and many NBFC fixed deposit generally do not fall under the ambit of DICGC insurance. Consequently, before investing in high interest FD schemes, it is Crucial to Verify the Credit rating and Financial Stability of the issuing institution.
To Maximize the Safety of their funds, investor should Consider Diversifying Large FD investment across Multiple bank rather than keeping all their Money in a Single bank.
FD App vs Direct Bank FD: Which Is Better?
Investor often wonder whether they should open a Fixed Deposit (FD) Directly with a bank or use an FD investment app. Both option have their own advantage depending on the investor need.
FD apps simplify the investment proces significantly by allowing user to compare FD rate from multiple bank in one place. Instead of Searching across Various bank website investor can view interest rate, tenure option and maturity value on a single FD app platform.
Another major advantage of FD apps is that most platform offer fully digital KYC, online account opening and FD tracking facilitie. Investor can Manage multiple fixed deposit held across different bank through a single mobile app.
On the other hand, opening an FD directly with a bank offer greater convenience and a sense of trust for customer who already hold a savings account with that bank. Some investor prefer making fixed deposit directly with their own bank rather than using a third party platform.
For investor seeking higher FD rate and easy Vomparison, FD app can be a Better option. However investor should alway check the term and condition of the Partner bank before investing in an FD.
Are FD Apps Safe in India
Ultimately your money goes to the Following:
- Fixed deposit with Government or Private bank.
- Small Finance Banks: These are relatively small bank due to a need for fund, they offer higher interest rates on deposit.
- NBFC (Non Banking Financial Companies): Your money can also be Deposited as a fixed deposit with NBFC, examples include companies like Shriram Finance and Bajaj Finance.
- The safety of your FD depend on the issuing Entity.
Before Investing in FD Check :
Before opening a fixed deposit with any bank or NBFC, verify whether it is Covered by DICGC insurance.
For FD with NBFC alway review rating report from agencie like CRISIL, CARE or ICRA.
Thoroughly understand the rules regarding premature withdrawal of fund from the Fixed Deposit.
Note: Many FD investor have faced Significant disappointment because their return dropped drastically when they Withdrew their FD fund before Maturity.
How to Choose the Best FD App in India
If you want to Choose the best FD app in India, you should keep the Following point in mind:
1. Interest Rate: Do not open an FD Account with a bank or NBFC simply because it offer a high interest rate, a high rate isn’t alway the best indicator Prioritize the safety of your fund First.
2. Quality of the Institution: Alway opt for well known bank and Highly rated NBFC.
3. Customer Support: Good Customer Support is Crucial for situation such as closing an FD, Resolving Maturity related issues or addressing other Concerns.
4. App Review: Before investing in a Fixed Deposit through an app, read the experience of user who have already booked an FD using that platform.
5. Premature Withdrawal: Check whether the Fixed Deposit offers a Premature Withdrawal Facility and find out the applicable penaltie and Processing fee if a customer chooses to withdraw fund early.
Conclusion
The best FD app in India depend on your investment goals.
If you are looking for the highest FD rates platform such as InCred Money, Stable Money, Money View, and Angel One Provide access to Multiple bank and NBFC offering Competitive return.
If Convenience is your Priority, Tata Neu, Amazon Pay and Jio Finance integrate FD investments with a broader Financial Ecosystem.
Before investing, Compare interest rate, partner bank, DICGC Coverage, Premature Withdrawal rule and customer review. Remember that the safety of your investment depend on the bank or NBFC where the FD is booked rather than the app it self.
For most investor seeking a balance of return, safety and convenience, Stable Money, InCred Money and Angel One Currently stand out among the best FD app in India.
Best FD App in India (FAQ)
1. Which is the best FD app in India?
Stable Money, Money View, Jio Finance and Angel one are among the most popular FD apps in India.
2. Are FD apps regulated?
FD apps act as intermediarie. The actual deposit is Regulated through the Partner bank or NBFC.
3.Which FD app offers the highest interest rate?
Small finance bank and NBFC FD available through FD market place often offer rates above 8.25% annually.
4. Is Stable Money safe?
Stable Money itself is a platform. Safety depend on the bank where the FD is opened.
5. Can I Withdraw FD Before Maturity?
Most institution allow Premature Withdrawal, but Penaltie may apply. Alway check the terms before investing.
6. Should I invest through an FD app or directly through a bank?
FD apps are Useful for comparing rate acros institution. Direct bank FD may be Preferable if you want Relationship benefit and branch support.
7. Which bank is best for FD in 2026?
SBI, HDFC Bank, ICICI Bank and Bank of Baroda are the safest bank for FD in 2026. However Small Finance Bank offer higher returns on FD.
8. Which bank FD rate is high in 2026?
In 2026 Small Finance Banks offer the highest FD interest rates, ranging approximately from 7.50% to 8.25%. Private bank offer interest rates of Around 6.15% to 7.00%, while public Sector bank offer around 6.05% to 7.05%.
9.Which app is best for FD in India?
The best app for FD in India are Stable Money, Axio, Tata Neu, CRED and Jio Finance. These apps allow user to compare FD rates and invest online with ease.
10.Which bank gives 9.5 interest on FD?
No major bank in India routinely offers an FD interest rate of 9.5%. While some small finance banks may offer up to 8.25% for limited period or specific schemes, no bank is currently offering a 9.5% interest rate.
11.Which FD is best in India?
The best FD in India depends on your risk appetite and return expectations. SBI, HDFC Bank and ICICI Bank are the best choice for capital safety. For higher returns, small finance bank offer better interest rates, typically reaching up to 8.25%.
12.Which online FD is best?
The best online FD in India depends on your Financial goals.
For higher return Small finance banks and NBFC Such as Unity Small Finance Bank, Suryoday Small Finance Bank and Bajaj Finance offer return of 8.25%.
For Capital safety, SBI, HDFC Bank and ICICI Bank are the top choice though they offer lower return in the range of approximately 6.5% to 7%.Per Year.
13. Which app is best for FD in India?
Stable Money, Tata Neu, CRED and Angel One are the best app for FD investments in India.
Disclaimer : The information provided in this article is for general informational purposes only and should not be construed as financial or investment advice. Fixed Deposit (FD) interest rate, app feature and the terms and condition of bank or NBFC are subject to change without prior notice. Readers are advised to verify the latest rates directly with the respective bank, NBFC or app before making any investment decisions. Neither the author nor the ‘Money Mint Idea’ website shall be held liable for any financial loss or issues arising from the use of this information.
