Bank FD rates in October 2026: How pre- and post-tax fixed deposit returns differ across HDFC, ICICI, SBI and PNB

Fixed deposits offer predictable returns, but taxes can reduce the interest you retain. A latest report compares FD rates across large banks and tenures. Here’s how to understand pre-tax and post-tax returns, FD taxation rules, and what a ₹5 lakh deposit could earn.