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FD पर ये बैंक दे रहे तगड़ा इंटरेस्ट, जानें रेपो रेट पर RBI के फैसले के बाद हुआ कितना बदलाव?

FD पर ये बैंक दे रहे तगड़ा इंटरेस्ट, जानें रेपो रेट पर RBI के फैसले के बाद हुआ कितना बदलाव?

by | Feb 11, 2026 | Business


Banks FD Rate: रिजर्व बैंक ऑफ इंडिया (Reserve Bank of India) ने बीते 4-6 फरवरी के बीच हुई मॉनिटरी पॉलिसी की बैठक में रेपो रेट में कोई बदलाव नहीं किया. इसे 5.25 परसेंट पर बरकरार रखा गया. आइए जानते हैं कि रेपो रेट पर रिजर्व बैंक के इस फैसले के बाद इसका जानते हैं कि इसका बैंक में आपके फिक्स्ड डिपॉजिट के रिटर्न पर क्या असर पड़ेगा?

सबसे पहले आपको बता दें कि चूंकि RBI ने अपनी मॉनेटरी पॉलिसी कमिटी की मीटिंग में रेपो रेट को 5.25 परसेंट पर बरकरार रखा इसलिए बैंकों के जल्द ही अपनी फिक्स्ड डिपॉजिट स्कीम पर इंटरेस्ट रेट कम करने की उम्मीद कम है.

इक्विटास स्मॉल फाइनेंस बैंक

इक्विटास स्मॉल फाइनेंस बैंक ने 2 फरवरी, 2026 से फिक्स्ड डिपॉजिट पर अपनी ब्याज दरें बदल दी हैं। बैंक अलग-अलग समय के लिए डिपॉजिटर्स को 3.50 परसेंट से 7.20 परसेंट के बीच ब्याज दे रहा है। सबसे ज़्यादा 7.20 परसेंट की दर 888 दिन के समय पर मिल रही है।

बैंक अलग-अलग समय के लिए की गई FD स्कीम्स पर 3.50 परसेंट से 7.20 परसेंट के बीच इंटरेस्ट दे रहा है. इनमें सबसे ज्यादा 7.20 परसेंट रेट 888 दिन की FD पर  दी जा रही है. 

इंडियन बैंक 

इंडियन बैंक (Indian Bank) ने 4 फरवरी, 2026 से FD पर अपने इंटरेस्ट रेट में बदलाव किया है. अलग-अलग टाइम पीरियड के लिए डिपॉजिट करने वालों को 2.80 परसेंट से 6.95 परसेंट के बीच इंटरेस्ट मिल रहा है. बैंक ने IND Secure नाम की एक नई स्कीम शुरू की है, जो 444 दिनों में मैच्योर होगी. इस स्कीम के तहत आम लोगों को 6.45 परसेंट और सीनियर सिटिजन्स को 6.95 परसेंट की दर से उनकी जमा राशि पर अंटरेस्ट दिया जा रहा है.  

पंजाब नेशनल बैंक 

पंजाब नेशनल बैंक (PNB) ने 1 फरवरी, 2026 को अपनी ब्याज दरें बदलीं. पब्लिक सेक्टर का यह बैंक आम लोगों के लिए डिपॉजिट पर 3 परसेंट से 6.40 परसेंट और सीनियर सिटिजन के लिए 3.50 परसेंट से 6.90 परसेंट के बीच रेट दे रहा है. 390 दिनों के टेन्योर के डिपॉजिट पर सबसे ज्यादा 6.40 परसेंट और 6.90 परसेंट का ब्याज मिल रहा है.

ये बैंक भी दे रहे FD पर शानदार रिटर्न 

1. उत्कर्ष स्मॉल फाइनेंस बैंक सीनियर सिटिजन को अपनी तीन साल की FD पर 8 परसेंट ब्याज दर दे रहा है.

2. जन स्मॉल फाइनेंस बैंक अपनी दो से तीन साल की सीनियर सिटिजन FD पर 8 परसेंट ब्याज दर दे रहा है.

3. ICICI बैंक 3 साल और 1 दिन से लेकर 10 साल तक के टर्म के लिए 7.1 परसेंट पर अपनी सबसे ज्यादा FD ब्याज दर दे रहा है.

4. केनरा बैंक 555 दिनों के टेन्योर पर 7 परसेंट पर अपनी सबसे ज़्यादा FD ब्याज दर दे रहा है.

शेयर बाजार के उलट फिक्स्ड डिपॉजिट को सबसे सुरक्षित निवेश विकल्पों में से एक बना हुआ है. RBI समय-समय पर रेपो रेट में बदलाव करता रहता है और बैंक इसके बाद महंगाई या क्रेडिट डिमांड को देखते हुए FD रेट्स में बदलाव करते हैं. फरवरी 2026 में पंजाब नेशनल बैंक, इंडियन बैंक और इक्विटास SFB जैसे टॉप भारतीय बैंकों ने अपने FD रेट में बदलाव किया.              

ये भी पढ़ें:

FD की जगह दूसरे निवेश ऑप्शन खोज रहे हैं? पोस्ट ऑफिस की इस स्कीम से हर महीने मिलेंगे 9000 रुपये, जानें डिटेल 



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Govt to sell up to 5% in BHEL at ₹254/share; OFS opens Wednesday

Govt to sell up to 5% in BHEL at ₹254/share; OFS opens Wednesday

by | Feb 10, 2026 | Business


The government holds 63.17 per cent in BHEL.
| Photo Credit:
SHIV KUMAR PUSHPAKAR

The government will sell up to 5 per cent stake in Bharat Heavy Electricals Ltd (BHEL) via an offer-for-sale (OFS) beginning on Wednesday at a floor price of ₹254 a share.

“Government offers to disinvest 3 per cent equity in the BHEL with an additional 2 per cent as green shoe option,” Department of Investment and Public Asset Management (DIPAM) Secretary Arunish Chawla said on X.

The issue will open for non-retail investors on Wednesday, while retail investors will get to put in price bid on Thursday.

If fully subscribed at the floor price, sale of 17.41 crore shares, or 5 per cent stake, would fetch the government ₹4,422 crore.

The floor price of ₹254 a share is about 8 per cent below BHEL’s closing share price of ₹276.05 on the BSE.

The base issue size comprises over 10.44 crore shares, or 3 per cent stake, in BHEL, plus a greenshoe option to sell over 6.96 crore shares or 2 per cent.

The government holds 63.17 per cent in BHEL. Shares of BHEL closed at ₹276.05, up 0.53 per cent over its previous close on Tuesday.

So far in the current fiscal year, the government has raised ₹8,768 crore through PSU disinvestments.

Published on February 10, 2026



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FIIs trim, DIIs take the wheel

FIIs trim, DIIs take the wheel

by | Feb 10, 2026 | Business



Prime Database Group’s report on Indian equity ownership shows FIIs steadily reducing their shareholding since 2021, a trend that continued in Q3FY26. DIIs overtook FIIs by March 2025, and mutual funds, part of the DII pool, have continued narrowing the gap. In several instances, DII buying has absorbed FII selling. In Q3FY26, the value of FII holdings rose the most among major investor groups, indicating FIIs outperformed other equity owners during the quarter



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ED gives fresh dates to Anil Ambani, wife Tina for questioning in PMLA cases

ED gives fresh dates to Anil Ambani, wife Tina for questioning in PMLA cases

by | Feb 10, 2026 | Business


Anil Ambani, Chairman, Reliance Group along with is wife Tina Ambani
| Photo Credit:
PAUL NORONHA

Reliance Group chairman Anil Ambani and his wife Tina Ambani were issued fresh summons by the Enforcement Directorate, asking them to appear separately for questioning next week in a money laundering case.

Tina Ambani, who did not appear before sleuths on Monday despite summons issued to her, has now been asked to depose on February 17 before the ED officials at its headquarters here to probe use of alleged laundered money for purchasing an apartment in Manhattan, New York, at a cost of ₹70 crore.

On February 18, Anil Ambani has been asked to appear before the ED in the overall ₹40,000 crore worth bank fraud money laundering case. Their statements will be recorded under the Prevention of Money Laundering Act (PMLA).

He, however, was questioned by the ED once last year as part of these investigations linked to multiple Reliance Group companies and their bank loans.

The ED has already arrested Punit Garg, former RCOM (Reliance Communication) president and close associate of Anil Ambani, in the PMLA Manhattan apartment case.

The ED officials suspect that the apartment was purchased out of funneling of large bank loans Anil Ambani’s group companies had availed for business purposes.

“Fraudulently” sold

It had alleged earlier that the New York property was “fraudulently” sold in 2023 during the corporate insolvency resolution process (CIRP) of RCOM by Garg. The RCOM is said to have informed the stock exchange about this sale in 2025.

“The sale proceeds of $8.3 million (about ₹69.55 crore in 2023) were remitted from the USA under the guise of a sham investment arrangement with a Dubai-based entity controlled by a Pakistan-linked individual, without the knowledge or consent of the Resolution Professional (RP),” the ED said.

The agency has set up a special investigative team on the directions of the Supreme Court to carry out a comprehensive probe in the alleged money laundering case against Anil Dhirubhai Ambani Group (ADAG) companies.

Last week, the SC had pulled up the ED for the “unexplained delay” in probing bank loan fraud of over ₹40,000 crores by ADAG companies.

Published on February 10, 2026



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RBI proposes stringent draft guidelines for de-registration of type-1 NBFCs

RBI proposes stringent draft guidelines for de-registration of type-1 NBFCs

by | Feb 10, 2026 | Business


The Reserve Bank of India (RBI) on Tuesday issued stringent draft guidelines pertaining to de-registration of type-1 non-banking finance companies (NBFCs) with less than ₹1,000 crore in assets.

The regulator has sought public feedback on the draft guidelines by March 4, 2026. According to the draft norms, type-1 NBFCs have time till September 2026 to apply for de-registration of their license.

“Existing eligible NBFCs not availing public funds and also not having customer interface as their conscious business model, with asset size of less than ₹1,000 crore may apply for de-registration within the stipulated timeline of six months i.e., by September 30, 2026,” the RBI said.

‘Type-1 NBFC’ means NBFC not availing public funds and not having any customer interface’ and holding Certificate of Registration as ‘Type-1 NBFC’ issued by the Reserve Bank.

The RBI said in case any type-1 NBFCs which intends to access public funds and/ or have customer interface, it shall invariably seek registration as ‘Type-2 NBFC’.

NBFCs who seek to apply for de-registration must ensure holding annual Board Resolution that the company will not avail public funds and will also not have customer interface during the year.

Auditors of the NBFCs shall submit an ‘Exception Report’ to the regulator in case of violation of conditions on public funds and/or customer interface.

Strict guidelines

According to Vinod Kothari, director at Vinod Kothari consultants, while it was difficult for NBFCs to get their registration done with the RBI, with the proposed guidelines, de-registration will also be equally tough.

This is because the RBI has proposed it will assess the last 3 years’ financial statements of NBFCs which opt to apply for de-regisgtration. In these financial statements, there must be no direct or “indirect” access to “public funds” (including loans from loans from directors/shareholders), nor should there be any lending within the group or outside.

The meaning of ‘customer interface’ has been clarified, saying it includes customer-oriented activity like lending or providing a guarantee, including to ‘entities in the Group’, its shareholders, its directors, or providing any other “product or service” to a customer.

More importantly, money from any director/shareholder will be classified as “public” funds, automatically barring many NBFCs who raise funds from their promoters. ENDS

Published on February 10, 2026



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