HDFC Bank stock gained 2.09%, while Kotak Mahindra Bank and IDFC First Bank delivered a 5.9% and 5.67% return, respectively, to investors from March 2021 to March 2026, according to a Moneycontrol analysis. However, fixed deposit rates at these banks offered between 6% and 7% to depositors. Compounded over five years, these rates translate into returns of roughly 30-40%.