{"id":215111,"date":"2026-04-08T15:26:53","date_gmt":"2026-04-08T09:56:53","guid":{"rendered":"https:\/\/newsfed.in\/english\/?p=215111"},"modified":"2026-04-08T15:26:53","modified_gmt":"2026-04-08T09:56:53","slug":"no-change-in-emi-rbi-keeps-repo-rate-at-5-25-which-govt-bank-offers-best-fd-returns-now","status":"publish","type":"post","link":"https:\/\/newsfed.in\/english\/no-change-in-emi-rbi-keeps-repo-rate-at-5-25-which-govt-bank-offers-best-fd-returns-now\/","title":{"rendered":"No Change in EMI! RBI Keeps Repo Rate at 5.25%, Which Govt Bank Offers Best FD Returns Now?"},"content":{"rendered":"\n<p>The Reserve Bank of India (RBI) concluded its Monetary Policy Committee (MPC) meeting today, opting to keep the Repo Rate unchanged at <strong>5.25%<\/strong>. For the common man, this means stability in Home Loan and Car Loan EMIs. Simultaneously, interest rates on Fixed Deposits (FD) across major public sector banks are expected to remain attractive for savers.<\/p>\n\n\n\n<p>For short-term investors planning a 1-year deposit, <strong>Indian Overseas Bank<\/strong> leads the chart with a peak interest rate of 6.50%. Union Bank follows closely at 6.30%, while giants like SBI, PNB, and Canara Bank are offering a steady 6.25%. On the lower end, Punjab &amp; Sind Bank offers 5.85% for the same tenure.<\/p>\n\n\n\n<p>If you are looking at long-term wealth creation, <strong>Bank of Baroda<\/strong> is the top choice for a 5-year tenure, offering 6.30% interest. For a 3-year term, SBI and PNB remain highly competitive with rates starting at 6.30%. Given the current market stability, diversifying your savings into these secure government-backed FDs is a prudent financial move.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Bank Name<\/strong><\/td><td><strong>1 Year (%)<\/strong><\/td><td><strong>3 Year (%)<\/strong><\/td><td><strong>5 Year (%)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Indian Overseas Bank<\/td><td><strong>6.50<\/strong><\/td><td>6.10<\/td><td>6.10<\/td><\/tr><tr><td>Union Bank of India<\/td><td>6.30<\/td><td>6.25<\/td><td>6.00<\/td><\/tr><tr><td>State Bank of India<\/td><td>6.25<\/td><td><strong>6.30<\/strong><\/td><td>6.05<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>6.10<\/td><td>6.25<\/td><td><strong>6.30<\/strong><\/td><\/tr><tr><td>Bank of Maharashtra<\/td><td>6.20<\/td><td>5.25<\/td><td>5.00<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India (RBI) concluded its Monetary Policy Committee (MPC) meeting today, opting to keep the Repo Rate unchanged at 5.25%. For the common man, this means stability in Home Loan and Car Loan EMIs. Simultaneously, interest rates on Fixed Deposits (FD) across major public sector banks are expected to remain attractive for [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":215112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-215111","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latest-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>No Change in EMI! 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