Hi which bank give best intrest on FD?

I want to put over 2 lacks rupees in fixed deposit for 1 year which would be a safe bank which gives best returns after an year..
I think PSU banks are safe .. does punjab national bank has max intrest ?? if not then which one is better…

Why am i better off with this mortgage offer?

I have 8 years left on a 15 year mortgage 5.12 percentmortage,and was offered a new 15 year at the amount i owe at 4.50 percent why would i choose the new offer.To me there is no benefit except the intrest rate but i would be paying more intrest and extend my mortgage 7 years to 15 years if i accepted the offer