Best 3 years FD rates · October 2026

The banks offering the highest fixed-deposit rate for a 3 years tenure, ranked.

Rates updated 19 Oct 2026

Best 3 years FD rates

General public · below ₹3 crore · Dataset refreshed 19 Oct 2026

#	Bank	Rate	Applies to
1	Kolar and Chikkaballapur District Central Co-operative Bank Co-operative Karnataka	8.25%	3 to 5 years
2	Jilla Sahakari Kendriya Bank Maryadit, Dewas Co-operative Madhya Pradesh	8.05%	3 years and above
3	Jilla Sahakari Kendriya Bank Maryadit, Jhabua Co-operative Madhya Pradesh	8.05%	3 years and above
4	Jana Small Finance Bank Small Finance Nationwide	8.00%	>2 years - 3 years (1095 days)
5	South Canara District Central Co-operative Bank Co-operative Karnataka	8.00%	3 to 5 years
6	The Bapunagar Mahila Co-operative Bank Ltd. Co-operative Gujarat	8.00%	24 months to 60 months
7	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	7.75%	3 to 5 years
8	Hyderabad District Central Co-operative Bank Ltd. Co-operative Telangana	7.75%	3 to less than 5 years
9	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	7.60%	1 to 10 years
10	Raichur District Co-operative Central Bank Co-operative Karnataka	7.60%	Above 2 years
11	Surendranagar District Central Co-operative Bank Co-operative Gujarat	7.60%	3 to 5 years
12	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	7.50%	1 year and above
13	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.50%	2 to 5 years
14	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	7.50%	3 years and above
15	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	7.50%	Above 3 years
16	Mysore City District Co-operative Central Bank Co-operative Karnataka	7.50%	1 year and above
17	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.50%	1 year and above
18	Rohtak District Central Co-operative Bank Co-operative Haryana	7.50%	3 to 5 years
19	Sangli District Central Co-operative Bank Co-operative Maharashtra	7.50%	3 to 5 years
20	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	7.50%	2 years 1 day - 3 years
21	The Akola Urban Co-operative Bank Ltd. Co-operative Maharashtra	7.50%	For 401 days to 3 years
22	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	7.50%	Above 2 years & upto 3 years
23	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.50%	Above 2 years
24	Utkarsh Small Finance Bank Small Finance Nationwide	7.50%	2 years to 3 years
25	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.40%	3 to less than 5 years
26	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.35%	3 year up to less than 5 year
27	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.35%	2 to 5 years
28	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	7.30%	3 years to 5 years
29	Sikkim State Co-operative Bank Co-operative Sikkim	7.30%	3 years to 10 years
30	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	7.25%	1 year to less than 5 years
31	Bandhan Bank Private Nationwide	7.25%	3 years to less than 5 years
32	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	7.25%	More than 1 to 5 years
33	Kaithal District Central Co-operative Bank Co-operative Haryana	7.25%	3 to 4 years
34	Kurukshetra District Central Co-operative Bank Co-operative Haryana	7.25%	3 to 5 years
35	Mahendragarh District Central Co-operative Bank Co-operative Haryana	7.25%	Above 3 years
36	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	7.25%	3 to 5 years
37	Suryoday Small Finance Bank Small Finance Gujarat +5 states	7.25%	Above 30 months to 3 years
38	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	7.25%	2 years and above
39	Ujjivan Small Finance Bank Small Finance Nationwide	7.25%	2 year 1 day - 3 year
40	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	7.25%	Above 3 years
41	Warangal District Central Co-operative Bank Co-operative Telangana	7.25%	Above 3 years
42	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	7.25%	3 to 5 years
43	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	7.20%	3 to 5 years
44	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.20%	3 to 5 years
45	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	7.15%	2 year 1 day to 10 years
46	Rewari District Central Co-operative Bank Co-operative Haryana	7.15%	Above 3 years
47	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	7.15%	2 years and above
48	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	7.10%	889 day to 3 years
49	IDFC First Bank Private Nationwide	7.10%	500 days – 3 years
50	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	7.10%	3 to 5 years
51	Post Office Savings Schemes Government Scheme	7.10%	3 years
52	Sirsa District Central Co-operative Bank Co-operative Haryana	7.10%	Above 2 years
53	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	7.05%	1 year and above
54	RBL Bank Private Nationwide	7.05%	36 months 1 day to less than 60 months
55	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	3 to 10 years
56	Amanath Co-operative Bank Ltd. Co-operative Karnataka	7.00%	Above 2 years & up to 3 years
57	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	2 year to Less than 5 year
58	Assam Gramin Vikash Bank Regional Rural Assam	7.00%	3 years to less than equal to 5 years
59	AU Small Finance Bank Small Finance Nationwide	7.00%	36 months 1 day to 45 months
60	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	3 to 5 years
61	Capital Small Finance Bank Small Finance Chandigarh +7 states	7.00%	1 year to less than 5 years
62	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	7.00%	3 years and above
63	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	2 to 5 years
64	DCB Bank Private Nationwide	7.00%	35 months to less than 37 months
65	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	3 to 5 years
66	Goa State Co-operative Bank Co-operative Goa	7.00%	1 year and above
67	Gujarat Gramin Bank Regional Rural Gujarat	7.00%	Above 2 years and up to 3 years
68	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	3 to 5 years
69	IndusInd Bank Private Nationwide	7.00%	2 years to 3 years
70	Jharkhand State Co-operative Bank Co-operative Jharkhand	7.00%	2 years to 3 years
71	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	7.00%	3 to 5 years
72	Kerala State Co-operative Bank Co-operative Kerala	7.00%	2 years and above
73	Maharashtra State Co-operative Bank Co-operative Maharashtra	7.00%	More than 2 years to up to 3 years
74	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	7.00%	2 to 3 years
75	Nayagarh District Central Co-operative Bank Co-operative Odisha	7.00%	3 to 5 years
76	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	Above 3 years
77	Odisha State Co-operative Bank Co-operative Odisha	7.00%	3 to less than 5 years
78	Panchmahals District Central Co-operative Bank Co-operative Gujarat	7.00%	Above 3 years
79	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	Above 3 years
80	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	7.00%	3 to 5 years
81	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	3 to 5 years
82	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	7.00%	Above 24 months to 36 months
83	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	7.00%	1 year and above
84	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	7.00%	Above 2 year up to 3 years
85	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	7.00%	3 to 5 years
86	Yes Bank Private Nationwide	7.00%	36 months to < 60 months
87	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.90%	25 months to 36 months
88	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	6.90%	Greater than 18 up to 36 months
89	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.90%	3 to 5 years
90	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	6.90%	3 to 10 years
91	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.90%	Above 2 years to 3 years
92	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.90%	3 to 5 years
93	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	6.85%	36 months and above
94	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	6.85%	Above 2 years to 3 years
95	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	6.80%	3 to 5 years
96	The Haryana State Co-operative Apex Bank Co-operative Haryana	6.80%	3 years and above
97	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.80%	18 months (One Day) to 36 months
98	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.75%	556 days and above
99	District Co-operative Bank Rampur Co-operative Uttar Pradesh	6.75%	3 to 5 years
100	Greater Co-operative Bank Ltd. Co-operative Maharashtra	6.75%	3 years up to 5 years
101	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	6.75%	731 to 1825 days
102	Meghalaya Rural Bank Regional Rural Meghalaya	6.75%	3 years and less than 5 years
103	Nagaland State Co-operative Bank Co-operative Nagaland	6.75%	2 to 3 years
104	Nagpur District Central Co-operative Bank Co-operative Maharashtra	6.75%	3 to 5 years
105	Rohika District Central Co-operative Bank Co-operative Bihar	6.75%	Above 3 years
106	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	More than 24 months, up to 36 months
107	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to 5 years
108	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to 5 years
109	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	Above 3 years to 5 years
110	Bank of India Public Sector Nationwide	6.70%	3 years
111	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	6.70%	1095 to 1824 days
112	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	6.70%	3 to 5 years
113	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	6.70%	1095 to 1824 days
114	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.70%	3 to less than 5 years
115	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
116	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.70%	Above 18 months to 3 years
117	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
118	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
119	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	6.70%	3 years to less than 5 years
120	Magadh District Central Co-operative Bank Co-operative Bihar	6.70%	3 to 5 years
121	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	6.70%	3 to 5 years
122	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	6.70%	3 years to less than 5 years
123	Tamilnad Mercantile Bank Private Nationwide	6.70%	3 years to 10 years
124	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	6.70%	Above 2 years to 3 years
125	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	6.70%	Above 1 year to 3 years
126	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	6.70%	Above 3 to 5 years
127	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	6.65%	3 to 5 years
128	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	6.65%	Above 24 months to 36 months
129	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	Above 3 years
130	Panchkula District Central Co-operative Bank Co-operative Haryana	6.60%	3 to 5 years
131	The Akola Janata Commercial Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.60%	Above 2 years to 5 years
132	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.55%	Above 24 months to 36 months
133	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.55%	731 days to 1097 days
134	City Union Bank Private Nationwide	6.55%	Over 3 years upto 5 years
135	Karur Vysya Bank Private Nationwide	6.55%	Above 2 years up to 3 years
136	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.55%	2 to less than 3 years
137	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	6.55%	732 to 1096 days
138	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	From 1 year to 5 year
139	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.50%	3 years to less than 5 years
140	Axis Bank Private Nationwide	6.50%	3 years < 5 years
141	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.50%	3 years and above
142	Bihar Gramin Bank Regional Rural Bihar	6.50%	>2 years to 3 years
143	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
144	Central Co-operative Bank Kota Co-operative Rajasthan	6.50%	3 to 5 years
145	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.50%	3 to 5 years
146	Dhanlaxmi Bank Private Andhra Pradesh +15 states	6.50%	Above 2 years upto & inclusive of 3 years
147	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	6.50%	3 to 5 years
148	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	6.50%	3 to 5 years
149	Federal Bank Private Nationwide	6.50%	Above 24 months to less than 48 months
150	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.50%	More than 3 to less than 5 years
151	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	6.50%	3 years to less than 5 years
152	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.50%	3 to 5 years
153	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.50%	3 to less than 5 years
154	Karnataka Grameena Bank Regional Rural Karnataka	6.50%	Above 2 years upto & inclusive 3 years
155	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.50%	3 years and above
156	Mumbai District Central Co-operative Bank Co-operative Maharashtra	6.50%	3 to 5 years
157	Nagaland Rural Bank Regional Rural Nagaland	6.50%	3 years to less than 5 years
158	Nawada District Central Co-operative Bank Co-operative Bihar	6.50%	3 to 5 years
159	Puducherry Grama Bank Regional Rural Puducherry	6.50%	3 years to less than 5 years
160	Rajasthan Gramin Bank Regional Rural Rajasthan	6.50%	3 years to less than 5 years
161	Shivamogga District Co-operative Central Bank Co-operative Karnataka	6.50%	3 to 5 years
162	Siwan District Central Co-operative Bank Co-operative Bihar	6.50%	3 to 5 years
163	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	6.50%	3 yrs < 4 yrs
164	Telangana Grameena Bank Regional Rural Telangana	6.50%	3 years to less than 5 years
165	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.50%	Over 2 years to 3 years
166	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	6.45%	2 years to 5 years
167	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	6.45%	3 to 5 years
168	HDFC Bank Private Nationwide	6.45%	2 years 11 months 1 day <= 3 year
169	ICICI Bank Private Nationwide	6.45%	2 years 1 day to 3 years
170	Kerala Gramin Bank Regional Rural Kerala	6.45%	Above 2 years to including 3 years
171	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.40%	2 years and above
172	Assam Co-operative Apex Bank Co-operative Assam	6.40%	3 years to less than 5 years
173	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	6.40%	3 to less than 5 years
174	Kotak Mahindra Bank Private Nationwide	6.40%	3 years and above but less than 4 years
175	Mizoram Rural Bank Regional Rural Mizoram	6.40%	3 years to less than 5 years
176	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	6.35%	25 months to 36 months
177	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	6.35%	3 to less than 5 years
178	IDBI Bank Private Nationwide	6.35%	3 years to <5 years
179	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	3 years only
180	Tripura Gramin Bank Regional Rural Tripura	6.35%	3 years to less than 5 years
181	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	6.30%	Above 3 years to 5 years
182	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	6.30%	>3 years to <5 years
183	Bank of Baroda Public Sector Nationwide	6.30%	Above 3 years and upto 5 years
184	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	6.30%	3 to 5 years
185	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	6.30%	>2 year to 3 year
186	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	6.30%	3 years to less than 5 years
187	Punjab National Bank Public Sector Nationwide	6.30%	above 2 to 3 years
188	State Bank of India Public Sector Nationwide	6.30%	3 years to less than 5 years
189	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	6.30%	02 yrs to up to 3 yrs
190	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	6.30%	3 to 5 years
191	Uttarakhand Gramin Bank Regional Rural Uttarakhand	6.30%	3 years to less than 5 years
192	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.30%	3 to 5 years
193	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	6.25%	2 to 5 years
194	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	6.25%	3 years to 5 years
195	Canara Bank Public Sector Nationwide	6.25%	3 years & above to less than 5 years
196	CSB Bank Private Nationwide	6.25%	Above 750 days to 5 years
197	Deutsche Bank India Foreign Bank Delhi +8 states	6.25%	> 2 yrs - 3 yrs
198	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	6.25%	3 years to less than 5 years
199	Haryana Gramin Bank Regional Rural Haryana	6.25%	Over 2 years to 3 years
200	Nainital Bank Private Delhi +5 states	6.25%	Above 2 years to 3 years
201	Punjab Gramin Bank Regional Rural Punjab	6.25%	> 2-3 years
202	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	6.25%	3 year to 5 year
203	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	6.25%	Above 2 yrs to 3 yrs
204	Shivalik Small Finance Bank Small Finance Delhi +9 states	6.25%	36 months 1 day to 60 months
205	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.25%	3 years and above
206	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.25%	More than 2 years - upto 3 years
207	The West Bengal State Co-operative Bank Co-operative West Bengal	6.25%	3 to 5 years
208	West Bengal Gramin Bank Regional Rural West Bengal	6.25%	2 years 1 day to 3 years
209	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.20%	3 years to less than 5 years
210	South Indian Bank Private Nationwide	6.20%	3 years to less than 5 years
211	Karnataka Bank Private Nationwide	6.15%	Above 2 years to 3 years
212	Patliputra District Central Co-operative Bank Co-operative Bihar	6.15%	3 to 5 years
213	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.10%	3 to 5 years
214	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	6.10%	3 years upto 5 years
215	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.10%	3 years to less than 5 years
216	Indian Overseas Bank Public Sector Nationwide	6.10%	3 years and above
217	Maharashtra Gramin Bank Regional Rural Maharashtra	6.10%	3 years to less than 5 years
218	Union Bank of India Public Sector Nationwide	6.10%	998 days to 3 years
219	Indian Bank Public Sector Nationwide	6.05%	3 years to less than 5 years
220	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.00%	Over 1 year
221	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	6.00%	3 to 5 years
222	Central Bank of India Public Sector Nationwide	6.00%	3 years to less than 5 years
223	Central Co-operative Bank Pali Co-operative Rajasthan	6.00%	730 to 1824 days
224	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	6.00%	3 years to less than 5 years
225	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	6.00%	3 to less than 5 years
226	ESAF Small Finance Bank Small Finance Nationwide	6.00%	3 years to less than 5 years
227	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	6.00%	3 to 5 years
228	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	6.00%	3 year to less than 5 years
229	Mandya District Co-operative Central Bank Co-operative Karnataka	6.00%	Above 3 years
230	Manipur Rural Bank Regional Rural Manipur	6.00%	3 years to less than 5 years
231	The Bihar State Co-operative Bank Co-operative Bihar	6.00%	3 years to less than 5 years
232	UCO Bank Public Sector Nationwide	6.00%	1001 days to 3 years
233	Odisha Grameen Bank Regional Rural Odisha	5.95%	3 years to less than 5 years
234	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.90%	2 years and above
235	Manipur State Co-operative Bank Co-operative Manipur	5.90%	2 to 3 years
236	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	5.90%	3 year to Less than 5 year
237	Punjab & Sind Bank Public Sector Nationwide	5.85%	3 years to 43 months
238	Motihari District Central Co-operative Bank Co-operative Bihar	5.80%	Above 3 years
239	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.75%	1 year to 3 years
240	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	5.75%	More than 30 months to 60 months
241	Puducherry State Co-operative Bank Co-operative Puducherry	5.65%	3 years and above
242	Sitamarhi District Central Co-operative Bank Co-operative Bihar	5.50%	2 to 5 years
243	HSBC India Foreign Bank Andhra Pradesh +13 states	5.35%	36 months to less than 37 months
244	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	5.30%	1 to 5 years
245	Bank of Maharashtra Public Sector Nationwide	5.25%	Above 2 years to 3 years
246	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	5.25%	3 years and above

Best FD rate by tenure

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State

Deposit amount

Looking for the best 3 years fixed deposit rate? A 3 years FD locks your money for 3 years at a rate fixed for the full term, so you know your maturity value the day you invest. As of 19 Oct 2026, the highest 3 years FD rate we track is 8.25% at Kolar and Chikkaballapur District Central Co-operative Bank.

Rates for this tenure differ sharply between banks — small finance and private banks often lead, public sector banks follow — so comparing is worth it. All banks below are RBI-licensed with DICGC cover up to ₹5 lakh per depositor. The table is ranked best-first for a general depositor below ₹3 crore; estimate your exact payout with the FD calculator or check senior citizen rates.

Frequently Asked Questions

What is the highest 3 years FD rate in India right now?

As of 19 Oct 2026, Kolar and Chikkaballapur District Central Co-operative Bank offers the highest 3 years FD rate at 8.25% p.a. for general depositors. Other top options include JSKB Dewas at 8.05% and JSKB Jhabua at 8.05%. Always confirm the current rate on the bank's official website before investing.

Which type of bank offers the best 3 years fixed deposit rates?

Both private sector banks and small finance banks regularly offer competitive 3 years FD rates. Public sector banks tend to offer lower but historically stable rates backed by government ownership.

Do senior citizens get a better rate on 3 years FDs?

Yes. Senior citizens (aged 60+) typically earn 0.25%–0.75% p.a. more than the general rate. For 3 years FDs, KCDCCB currently offers the highest senior citizen rate at 8.75% p.a. (as of 19 Oct 2026).

Is TDS deducted on 3 years fixed deposit interest?

Yes. Interest earned on FDs is fully taxable as income. Banks deduct TDS at 10% if your total FD interest from a single bank exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). Submit Form 15G (general public) or Form 15H (senior citizens) if your total income is below the taxable threshold to prevent TDS deduction.

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