FD rates April 2026: HDFC Bank vs Kotak Mahindra vs ICICI Bank vs Axis Bank — Who offers better returns?

Private sector banks continue to offer competitive yet stable FD rates in April 2026, with most large lenders clustering in the 6.25%–6.50% range across key tenures. While returns are broadly aligned, subtle differences between HDFC Bank, Kotak Mahindra Bank, ICICI Bank, and Axis Bank can influence where investors lock in their deposits.

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