Compare savings, FDs and current accounts
Find the best savings account rates, Fixed Deposit returns, and current accounts from India's leading banks. Transparent comparisons, updated daily.
Why choose Catfin
Savings up to 7.25% p.a.
High-yield savings accounts from digital banks.
FD up to 7.75% p.a.
Top Fixed Deposit rates for 1–5 year tenures.
Zero-balance options
Accounts with no minimum balance requirements.
RBI-regulated
All partner banks are licensed by the Reserve Bank of India.
Compare top lenders
Transparent side-by-side comparison of the most competitive offers on Catfin.
HDFC Bank Savings
IDFC First Bank Savings
RBI-Regulated Partners
All lenders on Catfin are licensed by the Reserve Bank of India.
Transparent Pricing
No hidden fees. All charges disclosed upfront before you apply.
Eligibility & documents
Who can apply
- Indian citizen, age 21–65 at loan maturity
- Monthly income ₹25,000+ (salaried) or turnover ₹40L+ (self-employed)
- CIBIL score 700+ for best interest rates
- Minimum 2 years work experience or business vintage
- Stable residence and employment history
Documents required
- PAN card and Aadhaar card (KYC)
- Salary slips (last 3 months) or ITR (last 2 years)
- Bank statements (last 6 months)
- Proof of address — utility bill / rent agreement
- For business: GST returns, financials, MSME / Udyam certificate
How Catfin works
From comparison to money in your account — four simple steps, fully digital.
Compare
Browse curated offers from RBI-regulated lenders.
Apply
Fill one simple form with Aadhaar-based digital KYC.
Approve
Instant in-principle decision from matched lenders.
Disburse
Money credited directly to your bank account.
Calculate your EMI
Estimate your monthly payment. Built for the Indian market — uses the standard reducing-balance formula used by every RBI-regulated lender.
- Principal
- ₹10,00,000
- Total Interest
- ₹2,89,634
- Total Payable
- ₹12,89,634
Fees & charges
| Charge | Amount |
|---|---|
| Processing fee | Up to 2.50% of loan amount |
| Prepayment (floating) | Nil for individual borrowers |
| Prepayment (fixed) | 2% – 5% of outstanding |
| Late payment | 2% per month on overdue EMI |
| Loan cancellation | ₹1,000 + GST |
| Document / statement reissue | ₹500 per request |
Indicative industry charges. Final fees vary by lender and borrower profile. All charges disclosed in the sanction letter before disbursal.
What our customers say
“Got my working capital loan in 48 hours. The comparison tool saved me 1.2% on interest.”
“Clear breakdown of fees and EMI. No surprises at disbursal. Best fintech experience in India.”
“Home loan balance transfer through Catfin saved my family ₹3.2 lakh over the remaining tenure.”
Frequently asked questions
Is my money safe?+
Deposits up to ₹5 Lakh per bank are insured by DICGC under RBI regulation.
What's HYSA?+
High-Yield Savings Account — accounts that offer interest rates significantly higher than the average.
Can I open account online?+
Yes. All partner banks support video KYC and fully digital account opening.
Interest rates shown are indicative and subject to change per RBI policy. Verify final rate on bank website.