Best 3 years FD rates · November 2026

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

Best 3 years FD rates

General public · below ₹3 crore · Dataset refreshed 14 Nov 2026

#BankRateApplies to
1 10.00% Above 2 years
2 9.50% 365 days and above
3 9.50% 3 years to less than 5 years
4 9.25% 3 years to less than 5 years
5 9.25% 3 years to less than 5 years
6 9.25% Above 24 months to 36 months
7 9.00% 36 months to 59 months
8 9.00% 3 year to Less than 5 year
9 9.00% 730 days and above
10 9.00% 1 year to 4 years
11 9.00% 3 years to 5 years
12 9.00% 365 days to 1095 days
13 9.00% above 2 years to 3 years
14 9.00% 2 years to 3 years
15 8.80% Above 2 years
16 8.75% above 2 years
17 8.75% 3 years to less than 5 years
18 8.75% Above 2 years to 3 years
19 8.75% Above 2 years to 3 years
20 8.75% 36 months to 59 months
21 8.75% Above 2 years to 3 years
22 8.75% 3 years to less than 5 years
23 8.50% 3 years and above
24 8.50% 3 years
25 8.50% above 15 months
26 8.50% 3 YEARS TO 5 YEARS
27 8.50% 3 years to 5 years
28 8.50% 13 months to 36 months
29 8.50% 25 months and above ()
30 8.50% Above 2 years up to 3 years
31 8.50% above 2 years to 3 years
32 8.50% 36 months
33 8.45% above 1 years to 3 years
34 8.40% 3 years to 4 years
35 8.25% 3 to 5 years
36 8.25% 3 years and above
37 8.25% above 2 years
38 8.25% above 24 months to 36 months
39 8.25% 731 - 3650 days
40 8.25% above 2 years to 3 years
41 8.25% above 2 years to 3 years
42 8.25% 3 years to 5 years
43 8.25% 3 years to 5 years
44 8.25% 2 years and above
45 8.20% 2 years to 3 years
46 8.15% 3 years to less than 4 years
47 8.10% 2 years 1 day to 3 years
48 8.05% 3 years and above
49 8.05% 3 years and above
50 8.05% 2 years 1 day to 3 years
51 8.00% Above 1 year to 3 years
52 8.00% Above 2 years to 3 years
53 8.00% 365 days to 3 years
54 8.00% More than 2 years up to 5 years
55 8.00% 36 months
56 8.00% Above 1 year up to 3 years
57 8.00% 365 DAYS TO 36 MONTH
58 8.00% 1 year to 3 years
59
Jana Small Finance Bank
Small Finance Nationwide
8.00% 3 years (1095 days)
60
Krishna Bhima Samruddhi Local Area Bank Ltd.
Local Area Bank Telangana +2 states
8.00% Above 2 years up to 10 years
61 8.00% above 25 months
62 8.00% 2 year to 3 year
63 8.00% 1 year to 3 years
64 8.00% 3 year to Less than 4 year
65 8.00% 25 months to 36 months
66 8.00% Above 1 year - 3 years
67 8.00% 3 years and above
68 8.00% above 1 year to 3 years
69 8.00% 1 year - 3 years
70 8.00% Above 2 years
71 8.00% Above 1 year up to 3 years
72 8.00% 2 years and above
73 8.00% 1 years 1 day to 3 years
74 8.00% 1 years and above
75 8.00% above 2 years to 3 years
76 8.00% Above 1 year up to 3 years
77 8.00% above 2 year to 3 years
78 8.00% Above 2 years
79 8.00% above 2 year to 3 years
80 8.00% 1 YEAR up to 3 YEARS
81 8.00% 2 years to 3 years
82 8.00% Above 2 years
83 8.00% 2 years to 3 years
84 8.00% 1 years and above
85 8.00% 25 months to 120 months
86 8.00% 1 year to less than 5 years
87 8.00% 36 months · 36-month deposit
88 8.00% 2 year to less than 10 year
89 8.00% Above 2 years to 3 years
90 8.00% 3 years to less than 5 years
91 8.00% 3 years to 5 years
92 8.00% Above 2 years to 3 years
93 7.90% 3 year to 5 years
94 7.90% 1 year to 3 years
95 7.90% Above 12 months
96 7.90% 25 months to 36 months
97 7.85% 36 months to 60 months
98 7.85% Above 1 year to 3 years
99 7.75% 3 years and Above
100 7.75% 3 years and Above
101 7.75% 3 to 5 years
102 7.75% 3 to less than 5 years
103 7.75% 731 days to 1095 days
104 7.75% Above 24 months up to 3 years
105 7.75% 1 years and above
106 7.75% 731 days to 1095 days
107 7.75% Above 12 months
108 7.75% 3 years to less than 5 years
109 7.75% Above 1 year 3 months to 3 years
110 7.75% Above 24 months up to 36 months
111 7.75% From 555 days to 1095 days
112 7.75% 25 months to 36 months
113 7.75% 720 days to 1825 days
114 7.75% 3 years
115 7.75% 1 year to 3 years
116 7.75% 3 years to less than 5 years
117 7.75% Above 1 year
118 7.75% 365 to 3 years
119 7.75% 1 year up to 3 years
120 7.75% 1 year up to 3 years
121 7.75% 2 year to 5 years
122 7.75% 1 YEAR AND ABOVE
123 7.75% above 1 years to 5 years
124 7.75% 13 months to 36 months
125 7.70% 1 year to 3 years
126 7.65% 731 days to 1095 days
127 7.65% Above 2 years to 3 years
128 7.60% 1 to 10 years
129 7.60% 3 years to less than 5 years
130 7.60% 36 months to 36 months
131 7.60% Above 2 years
132 7.60% 3 YEARS up to 5 YEARS
133 7.60% 3 to 5 years
134 7.60% 3 years to less than 5 years
135 7.60% 1 year to 3 years
136 7.60% above 18 months to 3 years
137 7.60% 3 years and above
138 7.55% 25 months to 36 months
139 7.50% 13 month to 3 years
140 7.50% Above 2 years to 3 years
141 7.50% 1 year and above
142 7.50% above 1 year up to 3 years
143 7.50% 1 year to 5 years
144 7.50% 13 months to 37 months
145 7.50% 365 days and above
146 7.50% 2 year to 5 years
147 7.50% 1 year to 3 years
148 7.50% above 2 years to 5 years
149 7.50% 25 months to 36 months
150 7.50% Above 2 years to 3 years
151 7.50% 2 to 5 years
152
Jivaji Sahakari Bank Ltd.
Co-op Maharashtra
7.50% 13 months to 36 months
153 7.50% 1 year to 3 years
154 7.50% Above 2 years
155 7.50% 3 years and above
156 7.50% Above 2 years up to 3 years
157 7.50% 13 months to 60 months
158 7.50% Above 3 years
159 7.50% 1 year and above
160 7.50% 3 years to less than 5 years
161 7.50% 1 year and above
162
Pune Sahakari Bank Ltd.
Co-op Maharashtra
7.50% above 25 months
163 7.50% 3 to 5 years
164 7.50% 3 to 5 years
165 7.50% 1 year to 3 years
166 7.50% 24 months and above
167 7.50% 366 days to 1125 days
168 7.50% 24 months to 36 months
169 7.50% 365 days and above
170 7.50% Above 2 years
171 7.50% 731 days to 1825 days
172
Slice Small Finance Bank
Small Finance Arunachal Pradesh +11 states
7.50% 2 years 1 day - 3 years
173 7.50% 24 months to 60 months
174 7.50% Above 15 months to 3 years
175 7.50% 3 YEARS TO 5 YEARS
176 7.50% Above 1 year upto 3 years
177 7.50% ABOVE 24 MONTHS TO 36 MONTHS
178
SSMS Bank, Athani
Co-op Karnataka
7.50% 1 year and above
179 7.50% above 2 years
180 7.50% 25 months to 60 months
181 7.50% Above 1 year up to 3 years
182 7.50% Above 2 years & upto 3 years
183 7.50% For 401 days to 3 years
184 7.50% 3 years to less than 5 years
185 7.50% 36 months
186 7.50% 2 years to less than 5 years
187 7.50% 36 months to 59 months
188 7.50% 3 years to less than 6 years
189 7.50% 2 years to 3 years
190 7.50% Above 24 months
191 7.50% 25 MONTHS to 36 MONTHS
192 7.50% Above 2 years to 3 years
193 7.50% 731 days to 1095 days
194 7.50% above 1 year to 3 years
195 7.50% 1 year and above
196 7.50% 3 year to less than 10 year
197 7.50% 15 months to 5 years
198 7.50% 25 months to 60 months
199 7.50% above 1 year to 3 years
200 7.50% 3 years (36 months) to below 4 years
201 7.50% 25 months to 36 months
202 7.50% above 730 days
203 7.50% 3 years to less than 5 years
204 7.50% 3 years to less than 5 years
205 7.50% 3 years to 5 years
206 7.50% 457 days to 1095 days
207 7.50% 1 YEAR to 4 YEARS
208 7.50% Above 18 months
209 7.50% 27 months to 36 months
210 7.50% Above 1 year to 5 years
211 7.50% 2 years to less than 5 years
212 7.50% 12 month and above
213 7.50% 25 months and above
214 7.50% 25 months to 36 months
215 7.50% 1 year 1 day to 3 years
216 7.50% 25 months & above
217 7.50% Above 21 months to 36 months
218 7.50% 3 years and above
219 7.50% 25 months to 36 months
220 7.50% above 2 YEARS TO 5 YEARS
221 7.50% 1 years and above
222 7.50% Above 2 years
223 7.50% Above 2 years to 5 years
224 7.50% ABOVE 2 years - 3 years
225 7.50% From 3 year to 4 year
226
Utkarsh Small Finance Bank
Small Finance Nationwide
7.50% 2 years to 3 years
227 7.50% 25 MONTHS TO 36 MONTHS
228 7.45% above 1 year to 3 years
229 7.45% Above 24 months to 36 months
230 7.40% 3 years to 5 years
231 7.40% Above 1 years upto 3 years
232 7.40% 3 to less than 5 years
233 7.40% Above 2 years to 3 years
234 7.40% 3 years to 10 years
235 7.40% Above 2 years to 3 years
236 7.40% 3 years to less than 5 years
237 7.35% 3 year up to less than 5 year
238 7.35% 2 to 5 years
239 7.35% 25 months to 60 months
240 7.30% Above 1 year upto 3 years
241 7.30% 3 years to 5 years
242
City Union Bank
Private Nationwide
7.30% 556 days to 3 years
243
QNB (Q.P.S.C.) (India)
Foreign Maharashtra
7.30% 366 days and above
244 7.30% 3 years to 10 years
245 7.30% Above 1 year to 3 years
246 7.30% 3 years to 5 years
247 7.30% 3 year to Less than 5 year
248 7.30% above 24 months up to 36 months
249 7.30% 3 years and above
250 7.30% 3 years & above
251
Andaman & Nicobar State Co-operative Bank
Co-op Andaman and Nicobar Islands
7.25% 1 year to less than 5 years
252
Arvind Sahakari Bank Ltd.
Co-op Maharashtra
7.25% Above 24 months to 36 months
253
Bandhan Bank
Private Nationwide
7.25% 3 years to less than 5 years
254 7.25% 3 years to less than 5 years
255 7.25% 2 years to 3 years
256 7.25% 24 months to 120 months
257 7.25% 13 months to 60 months
258 7.25% 24 months 1 day to 36 months · FDM / FDQ
259
IndusInd Bank
Private Nationwide
7.25% 2 years to 3 years
260 7.25% 1 year to 3 years
261 7.25% 3 years and above
262 7.25% More than 1 to 5 years
263 7.25% Above 24 months to 36 months
264 7.25% 3 to 4 years
265 7.25% 3 years to 5 years
266 7.25% Above 24 months
267 7.25% Above 3 years
268 7.25% 2 years TO 5 years
269 7.25% 2 year to 3 year
270 7.25% above 2 years
271 7.25% 36 months to less than 60 months
272 7.25% 731 days to 1095 days
273 7.25% Above 2 years to 3 years
274 7.25% above 1 years to 3 years
275
Samata Sahakari Bank Ltd.
Co-op Maharashtra
7.25% 3 years and above
276 7.25% 3 years to 5 years
277 7.25% Above 24 months - 36 months
278 7.25% 3 to 5 years
279 7.25% 3 years and above
280 7.25% 36 months and above
281 7.25% above 2 years to 3 years
282 7.25% Above 2 years up to 3 years
283 7.25% Above 2 years
284
Suryoday Small Finance Bank
Small Finance Gujarat +5 states
7.25% Above 30 months to 3 years
285 7.25% 25 months to 36 months
286 7.25% Above 24 months to 36 months
287 7.25% 3 years upto 5 years
288 7.25% 3 years to 5 years
289 7.25% 25 months to 36 months
290 7.25% 3 years to less than 5 years
291 7.25% 3 years to 5 years
292 7.25% 2 years and above
293 7.25% Above 2 year
294 7.25% above 1 year
295 7.25% 2 years 1 day to 3 years
296 7.25% 3 years to 5 years
297 7.25% 3 years to less than 5 years
298 7.25% 36 months to 60 months
299 7.25% Above 2 year to 5 year
300 7.25% Above 2 years
301 7.25% 365 days and above
302 7.25% Above 2 years to 3 years
303 7.25% 2 years to 3 years
304 7.25% 12 months to 60 months
305 7.25% 1 year to 3 years
306 7.25% 3 YEAR AND ABOVE
307 7.25% Above 1 year to 3 years
308 7.25% Above 1 year to 3 year
309 7.25% above 1 year · FDL deposit
310 7.25% 25 months to 36 months
311 7.25% above 24 months to 36 months
312 7.25% 36 months to 60 months
313 7.25% 1 year and Above
314 7.25% Above 1 year to 3 year
315 7.25% Above 1 year
316 7.25% above 2 years
317 7.25% 3 years to 4 years
318 7.25% 36 months to 120 months
319 7.25% 36 months and above
320 7.25% ABOVE 24 MONTHS TO 36 MONTHS
321 7.25% Above 1 year upto 3 years
322 7.25% Above 2 year
323 7.25% 3 year and above up to below 5 year
324 7.25% 25 months to 36 months
325 7.25% 03 years to 05 years
326
Ujjivan Small Finance Bank
Small Finance Nationwide
7.25% 2 year 1 day - 3 year
327 7.25% 25 months to 36 months
328 7.25% Above 3 years
329 7.25% Above 3 years
330 7.25% 3 to 5 years
331 7.20% 3 to 5 years
332 7.20% Above 24 months to 36 months
333 7.20% 25 months to 36 months
334 7.20% 2 years to less than 5 years
335 7.20% Above 24 months to 36 months
336 7.15% 3 to less than 5 years
337 7.15% 2 year 1 day to 10 years
338 7.15% 1 year to 5 year
339 7.15% 03 year to 10 year
340 7.15% Above 3 years
341 7.15% 2 years and above
342 7.15% Above 2 years to 3 years
343 7.10% 3 years to less than 5 years
344 7.10% Above 2 years to 3 years
345
Equitas Small Finance Bank
Small Finance Andhra Pradesh +17 states
7.10% 889 day to 3 years
346
IDFC First Bank
Private Nationwide
7.10% 2 years 1 day – 3 years
347 7.10% Above 2 years to 3 years
348 7.10% 3 to 5 years
349
Post Office Savings Schemes
Government Scheme
7.10% 3 years
350
Pravara Sahakari Bank Ltd.
Co-op Maharashtra
7.10% 3 years to less than 5 years
351 7.10% Above 12 months to 36 months
352 7.10% Above 2 years to 3 years
353
SBM Bank (India) Ltd.
Foreign Maharashtra
7.10% 734 days to 1096 days
354 7.10% Above 24 months to 60 months
355 7.10% Above 2 years
356 7.10% 3 years to less than 5 years
357 7.10% Above 2 years to 5 years
358 7.10% 36 months to 59 months
359 7.10% 3 years to 5 years
360 7.10% above 27 months to 36 months
361 7.10% Above 24 months to 36 months
362 7.10% 3 YEARS TO 5 YEARS
363 7.10% 30 months 1 day to 36 months
364 7.10% 3 year to less than 5 year
365 7.10% 2 year up to 3 YEAR (FD )
366 7.10% above 13 months up to 3 years
367 7.10% 3 year to 5 years
368 7.10% Above 2 years & upto 3 years
369 7.10% 13 months to 36 months
370 7.05% 1 year and above
371 7.05% 3 years to less than 5 years
372 7.05% More than 2 years
373 7.00% above 2 years to 3 years
374 7.00% 2 year to Less than 5 year
375 7.00% 3 year and above
376 7.00% 3 years to less than equal to 5 years
377
AU Small Finance Bank
Small Finance Nationwide
7.00% 36 months 1 day to 45 months
378 7.00% above 1 year to 3 years
379 7.00% 3 to 5 years
380 7.00% Above 2 years to 10 years
381
Capital Small Finance Bank
Small Finance Chandigarh +7 states
7.00% 1 year to less than 5 years
382 7.00% 3 years and above
383 7.00% 2 to 5 years
384 7.00% above 2 years to 4 years
385
DCB Bank
Private Nationwide
7.00% 35 months to less than 37 months
386 7.00% 13 months to 36 months
387 7.00% 3 years to 5 years
388 7.00% 2 years & Above
389 7.00% Above 1 year to 3 years
390 7.00% 3 to 5 years
391 7.00% 1 year and above
392 7.00% 3 to 5 years
393 7.00% 25 months to 36 months
394 7.00% 2 years to 3 years
395 7.00% 3 year to 5 year
396 7.00% 3 to 5 years
397 7.00% 3 years to less than 5 years
398 7.00% 3 years to less than 5 years
399 7.00% 3 years to less than 5 years
400 7.00% 1 year and above
401 7.00% 2 years and above
402 7.00% 1 years and above
403 7.00% ABOVE 2 YEARS TO 3 YEARS
404 7.00% Above 2 years to 3 years
405 7.00% above 2 years to 3 years
406 7.00% More than 2 years to up to 3 years
407 7.00% Above 1 year up to 3 years
408 7.00% 2 to 3 years
409 7.00% 3 to 5 years
410 7.00% 3 to 10 years
411 7.00% 25 months to 36 months
412 7.00% Above 1 year
413 7.00% 3 to less than 5 years
414 7.00% 1 years and above
415 7.00% 3 years to less than 5 years
416 7.00% 36 months
417 7.00% 3 years to 5 years
418 7.00% 731 days to 1095 days
419 7.00% 13 months and above
420 7.00% 3 years and above
421
RBL Bank
Private Nationwide
7.00% 18 months to less than 60 months
422 7.00% 3 years to less than 05 years
423 7.00% Above 2 years
424 7.00% Above 1 year to 3 years
425 7.00% 2 years to 3 years
426 7.00% 2 years 11 days to 3 years
427 7.00% 3 year to less than 5 year
428 7.00% 1 year and above upto 3 years
429 7.00% 2 years to 10 years
430 7.00% 2 years 1 day to 3 years
431 7.00% above 12 months
432 7.00% 2 years to 3 years
433 7.00% 3 year
434 7.00% 12 months or above
435 7.00% 25 months and Above
436 7.00% 2 years to 5 years
437 7.00% 3 years to less than 5 years
438 7.00% above 1 years to 3 years
439 7.00% 27 months to 36 months
440 7.00% 3 years and above
441 7.00% 3 year to less than 5 years
442 7.00% Above 3 years
443 7.00% 2 YEARS to 3 YEARS
444 7.00% 25 months to 36 months
445 7.00% 3 to 5 years
446 7.00% Above 2 years to 3 years
447 7.00% above 27 months
448 7.00% 1 year to 10 years
449 7.00% Above 1 year to 5 years
450 7.00% Above 2 years upto 3 years
451 7.00% 3 years to 5 years
452 7.00% Above 2 years to 5 years
453 7.00% 3 years to 5 years
454 7.00% 3 to 5 years
455 7.00% 1 years to 5 years
456 7.00% 3 year to less than 5 year
457 7.00% 13 months TO 36 months
458 7.00% 3 years to less than 5 years
459 7.00% 13 months to 36 months
460 7.00% 25 months 1 day to 36 months
461 7.00% Above 24 months to 36 months
462 7.00% 13 months to 36 months
463 7.00% 3 years to less than 5 years
464 7.00% above 24 months to 60 months
465 7.00% above 2 years to 3 years
466 7.00% 25 months to 3 years
467 7.00% 2 years and above
468 7.00% 3 YEARS to less than 5 YEARS
469 7.00% 24 month and above
470 7.00% Above 36 months
471 7.00% Above 2 years to 3 years
472 7.00% Above 2 years to 3 years
473 7.00% 1001 days and above
474 7.00% 3 years to less than 5 years
475 7.00% 25 months up to 36 months
476 7.00% 3 years and above
477 7.00% 3 years and above
478 7.00% 3 years to less than 5 years
479 7.00% 3 year to less than 5 years
480 7.00% 25 months to 36 months
481 7.00% 365 days to 1825 days
482 7.00% Above 2 years
483 7.00% 730 days upto 1095 days
484 7.00% 2 years to less than 5 years
485 7.00% 2 years to 10 years
486 7.00% above 1 years to 3 years
487 7.00% above 24 months
488 7.00% 1 year to 3 years
489 7.00% 1 year to 5 years
490 7.00% Above 2 years to 3 years
491 7.00% 12 months to 48 months
492 7.00% 13 MONTHS TO 36 MONTHS
493 7.00% 3 years to 5 years
494 7.00% 366 day to 1095 day
495 7.00% 25 months to 36 months
496 7.00% 25 months to 36 months
497 7.00% Above 24 months
498 7.00% 1 year to 3 years
499 7.00% above 24 months
500 7.00% 401 days upto 60 months
501 7.00% Above 2 year up to 3 years
502 7.00% Above 1 year and upto 3 years
503 7.00% 3 years to 5 years
504 7.00% 731 days to 1095 days
505 7.00% Above 15 months to 3 years
506 7.00% above 24 months up to 36 months
507 7.00% 3 years to less than 5 years
508 7.00% 1 years to 03 years
509 7.00% 1 year and Above upto 3 years (Cumulative Interest)
510 7.00% Above 2 year up to 3 years
511 7.00% Above 1 years to 36 months
512 7.00% 3 years to less than 5 years
513 7.00% Above 2 years
514 7.00% 3 to 5 years
515
TJSB Sahakari Bank Ltd.
Co-op Maharashtra +6 states
7.00% Above 24 months to 36 months
516 7.00% 3 years to less than 5 years
517 7.00% 3 years and above
518 7.00% Above 24 months to 60 months
519
Vikas Sahakari Bank Ltd.
Co-op Maharashtra
7.00% Above 2 year upto 5 years
520 7.00% Above 2 years
521 7.00% above 18 months
522
Yes Bank
Private Nationwide
7.00% 36 months to < 60 months
523 6.90% 2 years to less than 5 years
524
Apna Sahakari Bank Ltd.
Co-op Maharashtra
6.90% 25 months to 36 months
525 6.90% Greater than 18 up to 36 months
526 6.90% 3 to 5 years
527 6.90% 1 year and above
528 6.90% 3 to 10 years
529 6.90% 3 to 5 years
530 6.90% 3 year to less than 5 years
531 6.90% 2 years up to 3 years · Ashkiran deposit
532 6.90% 3 years to less than 5 years
533 6.90% Above 24 months to 36 months
534 6.90% 3 years and above
535 6.90% 25 months to 36 months
536 6.90% 1095 days to 1824 days
537 6.85% Above 2 years to 5 years
538 6.85% Above 12 months to 60 months
539 6.85% 36 months and above
540 6.85% Above 2 years to 3 years
541 6.85% 25 months to 36 months
542 6.85% 3 years to 10 years
543 6.85% 2 years to 3 years
544 6.80% 2 years to 10 years
545 6.80% 3 to 5 years
546 6.80% 13 months to 36 months
547 6.80% 3year to Below 5 year
548 6.80% Above 2 years to 3 years
549 6.80% above 1 year to 3 years
550 6.80% 3 years to less than 5 years
551 6.80% 3 years to less than 5 years
552 6.80% Above 24 months to 36 months
553 6.80% Above 2 year
554 6.80% Above 2 year to 3 year · Finco Dhan Vrudhi
555 6.80% 3 years and above
556 6.80% 1 year to 3 years
557
The Nagpur Nagarik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
6.80% 18 months (One Day) to 36 months
558 6.80% 3 years to less than 5 years
559 6.75% 33 months to less than 61 months
560 6.75% Above 2 years to 3 years
561 6.75% above 2 years to 3 year
562 6.75% 556 days and above
563 6.75% Above 24 months upto 36 months
564 6.75% Above 2 years upto 3 years
565 6.75% 1 year to 3 years
566 6.75% 2 year upto 5 year
567 6.75% 36 months to 60 months
568 6.75% Above 25 months
569 6.75% above 2 years to 3 year
570 6.75% 3 to 5 years
571 6.75% 3 years to 5 years
572 6.75% Above 15 months upto 4 years
573 6.75% 3 years up to 5 years
574 6.75% 731 to 1825 days
575 6.75% 3 years and above
576 6.75% 3 years to less than 5 years
577 6.75% From 2 year to 3 year
578 6.75% 1 year to 5 years
579 6.75% 36 months up to 60 months
580 6.75% 3 years to less than 5 years
581
Meghalaya Rural Bank
Rural Meghalaya
6.75% 3 years and less than 5 years
582 6.75% 3 to 5 years
583 6.75% Above 2 years to 3 years
584 6.75% Above 1 year to 3 year
585 6.75% 36 months to 10 years
586 6.75% 730 days to 1825 days
587 6.75% 2 year to less than 10 years
588 6.75% Above 1 year upto 3 years
589 6.75% 2 years to less than 4 years
590 6.75% Above 3 years
591 6.75% 36 months to less than 60 months
592 6.75% 13 months & Above
593 6.75% 556 days to 4 years · Non-Cumulative
594 6.75% Above 24 months to 48 months
595
Shalini Sahakari Bank Ltd.
Co-op Maharashtra
6.75% 3 years to Less than 5 years
596 6.75% Above 2 year
597 6.75% 13 months to 36 months
598 6.75% 25 months to 120 months
599
Sonali Bank PLC (India)
Foreign West Bengal
6.75% 3 years to less than 5 years
600 6.75% Above 1 year
601 6.75% above 24 months to 36 months · Amrutkumbh cumulative
602 6.75% 2 years up to 3 years
603 6.75% 12 months and above up to 36 months
604 6.75% More than 24 months, up to 36 months
605 6.75% 13 months to 36 months
606 6.75% 36 months and above
607 6.75% 25 months to 36 months
608 6.75% 1 year to 3 years
609 6.75% 12 months to 36 months
610 6.75% 1 year (365 days ) to 3 year (36 months)
611 6.75% 2 years to less than 5 years
612 6.75% 2 years to less than 5 years
613 6.75% 1 year and Above
614 6.75% 3 years to less than 5 years
615 6.75% 25 months to 36 months
616 6.75% 2 years and above
617 6.75% 3 year to less than 5 years
618 6.75% 3 years to less than 5 years
619 6.75% 3 YEAR TO 5 YEARS
620 6.75% 24 months to 120 months
621 6.75% 3 years to below 5 years
622 6.75% above 2 years to 3 years
623 6.75% Above 2 years to 3 years
624 6.75% Above 1 year to 3 years
625 6.75% 1095 days to 1824 days
626 6.75% 3 years to less than 5 years
627 6.75% 24 MONTHS AND ABOVE UP TO 60 MONTHS
628 6.75% 25 months to 36 months
629 6.75% 3 years to Less than 5 years
630 6.75% 13 months to 120 months
631 6.75% Above 2 years upto 3 years
632 6.75% 3 years to less than 5 years
633 6.75% 3 years to less than 5 years
634 6.75% above 24 months
635 6.75% 3 years to less than 6 years
636 6.75% above 1 year to 3 years
637 6.75% Above 2 years to 3 years
638 6.75% More than 2 years to 3 years
639 6.75% Above 2 years
640 6.75% 1 year to 3 years
641 6.75% Above 18 months and up to 36 months
642 6.75% Above 24 months upto 36 months
643 6.75% 3 years to less than 5 years
644
Unity Small Finance Bank
Small Finance Nationwide
6.75% >34 months - 36 months
645 6.75% 3 years and above
646 6.75% Above 2 years to 3 years
647
Agra Zilla Sahakari Bank Ltd.
Co-op Uttar Pradesh
6.70% 3 to 5 years
648 6.70% 3 to 5 years
649 6.70% Above 3 years to 5 years
650
Bank of India
Public Nationwide
6.70% 3 years
651
Bombay Mercantile Co-operative Bank Ltd.
Co-op Maharashtra +1 state
6.70% 3 years to less than 5 years
652 6.70% 3 years or more & less than 5 years
653 6.70% 3 to 5 years
654 6.70% 1095 to 1824 days
655 6.70% 3 to less than 5 years
656 6.70% 3 to less than 5 years
657
GP Parsik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
6.70% Above 18 months to 3 years
658 6.70% 3 to less than 5 years
659 6.70% 3 to less than 5 years
660
Jammu & Kashmir Bank
Private Nationwide
6.70% 3 years to less than 5 years
661
Jammu and Kashmir Grameen Bank
Rural Jammu and Kashmir
6.70% 3 years to less than 5 years
662 6.70% 3 to 5 years
663 6.70% 3 to 5 years
664
Tamil Nadu Grama Bank
Rural Tamil Nadu
6.70% 3 years to less than 5 years
665
Tamilnad Mercantile Bank
Private Nationwide
6.70% 3 years to 10 years
666 6.70% More then 25 months
667 6.70% Above 2 years to 3 years
668 6.70% 3 years to 5 years
669 6.70% Above 2 years to 3 years
670 6.70% Above 1 year to 3 years
671
Zila Sahakari Bank Ltd. Basti
Co-op Uttar Pradesh
6.70% Above 3 to 5 years
672 6.70% 731 days to 3 years
673
Andhra Pradesh Grameena Bank
Rural Andhra Pradesh
6.65% 2 years and above
674 6.65% 3 to 5 years
675 6.65% 36 months to below 60 months
676 6.65% 25 months - 36 months
677 6.65% Above 24 months to 36 months
678
The J&K State Co-operative Bank Ltd.
Co-op Jammu and Kashmir
6.65% 3 years and above
679 6.65% Above 2 years to 5 years
680 6.65% 3 years to less than 5 years
681
Axis Bank
Private Nationwide
6.60% 3 years < 5 years
682 6.60% Above 2 years to 3 years
683
Federal Bank
Private Nationwide
6.60% 3 years to 10 years
684 6.60% Above 3 years
685 6.60% 1 year to 3 years
686 6.60% 3 years to less than 5 years
687 6.60% 3 years to less than 5 years
688 6.60% Above 1095 days
689 6.60% Above 24 months to 36 months
690 6.60% Above 2 years to 5 years
691 6.60% Above 2 years
692 6.60% 25 months to 36 months
693 6.60% above 2 years to 3 years
694 6.55% Above 24 months to 36 months
695 6.55% 731 days to 1097 days
696
Bihar Gramin Bank
Rural Bihar
6.55% >2 years to 3 years
697
HDFC Bank
Private Nationwide
6.55% 2 years 11 months 1 day <= 3 year
698
ICICI Bank
Private Nationwide
6.55% 2 years 1 day to 3 years
699
Karur Vysya Bank
Private Nationwide
6.55% Above 2 years up to 3 years
700 6.55% 3 years to less than 5 years
701 6.55% 2 to less than 3 years
702 6.55% 732 to 1096 days
703 6.55% 3 years to less than 5 years
704 6.55% 3 years and above
705 6.55% 3 year to less than 5 year
706 6.55% 3 years to less than 5 years
707 6.50% 19 months to 36 months
708 6.50% 3 years to less than 5 years
709 6.50% From 1 year to 5 year
710 6.50% 3 years to less than 5 years
711 6.50% 24 months and above · Reinvestment deposit
712 6.50% above 12 months to 3 years
713 6.50% 3 years to less than 5 years
714 6.50% 3 years and above
715 6.50% 3 years to less than 5 years
716 6.50% 1 year to 3 years
717 6.50% 1 year and above
718 6.50% 2 YEARS TO 3 YEARS
719 6.50% 25 months to 120 months
720 6.50% 3 to 5 years
721
DBS Bank India
Foreign Andhra Pradesh +18 states
6.50% 3 years to less than 4 years
722 6.50% above 25 months up to 36 months
723
Dhanlaxmi Bank
Private Andhra Pradesh +15 states
6.50% Above 2 years upto & inclusive of 3 years
724 6.50% 3 to less than 5 years
725 6.50% 3 to less than 5 years
726 6.50% 3 years to less than 5 years
727 6.50% above 2 years up to 3 years
728 6.50% 25 months to 36 months
729 6.50% 1095 days to 1823 days
730 6.50% 24 months 1 day to 60 months
731 6.50% More than 3 to less than 5 years
732 6.50% 25 MONTHS TO 3 YEARS
733 6.50% 3 years to less than 5 years
734 6.50% 1095 days to 1824 days
735 6.50% 3 to 5 years
736 6.50% 2 years to 3 years
737 6.50% 3 to less than 5 years
738
Karnataka Grameena Bank
Rural Karnataka
6.50% Above 2 years upto & inclusive 3 years
739 6.50% 3 years and above
740 6.50% above 2 years to 3 years
741 6.50% 36 months
742 6.50% above 1 year to 3 years
743 6.50% 3 years to less than 5 years
744 6.50% Above 2 year to 3 years
745 6.50% 3 to less than 5 years
746
Puducherry Grama Bank
Rural Puducherry
6.50% 3 years to less than 5 years
747 6.50% above 2 years to 3 years
748
Rajasthan Gramin Bank
Rural Rajasthan
6.50% 3 years to less than 5 years
749 6.50% 1 year to 3 years
750 6.50% 13 months and above
751 6.50% 3 to 5 years
752 6.50% Above 1 year
753 6.50% 366 days to 36 months
754 6.50% 1 year and above
755 6.50% 12 months and above
756 6.50% 3 to less than 5 years
757 6.50% Above 2 years to 3 years
758
Standard Chartered India
Foreign Andhra Pradesh +17 states
6.50% 3 yrs < 4 yrs
759
Telangana Grameena Bank
Rural Telangana
6.50% 3 years to less than 5 years
760 6.50% 3 yrs to less than 7 yrs
761 6.50% Above 1 year to 3 years
762 6.50% Over 2 years to 3 years
763 6.50% 1 year and Above
764 6.50% 3 year to less than 5 year
765 6.50% 18 MONTHS TO 36 MONTHS
766 6.50% above 778 days
767 6.50% 25 months to 60 months
768 6.50% 3 years to 5 years
769 6.50% 2 years to 3 years
770 6.50% 12 months to 36 months
771 6.50% 366 days to 36 months
772 6.50% 25 months to 36 months
773 6.50% 2 years to 5 years
774 6.50% 3 years to less than 5 years
775 6.50% ABOVE 2 YEAR TO 3 YEAR
776 6.50% 3 years and above
777 6.50% 24 months to 36 months
778 6.50% 3 years to less than 5 years
779 6.50% 1 YEAR AND ABOVE
780 6.50% 2 years to 3 years
781 6.50% 365 days and above
782 6.50% Above 2 years to less than 5 years
783 6.50% 3 YEARS TO 10 YEARS
784 6.50% 13 MONTH TO 60 MONTH
785 6.50% 3 year to less than 5 years
786 6.50% 3 years and above to less than 5 years
787 6.50% 12 month and upto 60 month
788 6.50% 2 years to 3 years
789 6.50% Above 25 month to 36 month
790 6.50% 25 months to 120 months
791 6.50% 1 years and above
792 6.50% Above 24 months to 36 months
793 6.50% 3 year to less than 5 years
794 6.50% 25 months to 36 months
795 6.50% 2 years to less than 5 years
796 6.50% above 15 months - 3 years
797 6.50% above 12 months to 3 years
798 6.50% 18 months up to 3 years
799 6.50% Above 2 years
800 6.50% 1 YEARS ABOVE
801 6.50% ABOVE 12 MONTHS TO 36 MONTHS
802 6.50% 25 months to 36 months
803 6.50% 25 MONTHS TO 60 MONTHS
804 6.50% 3 years to 5 years
805 6.50% 3 years to less than 5 years
806 6.50% 25 MONTHS TO 36 MONTHS
807 6.50% 25 months to 50 months
808 6.50% Above 2 years to 3 years
809
The Zoroastrian Co-operative Bank Ltd.
Co-op Maharashtra +1 state
6.50% Over 2 years up to 3 years
810 6.50% 3 years to less than 5 years
811 6.45% 2 years to 5 years
812
Daman & Diu State Co-operative Bank
Co-op Dadra and Nagar Haveli and Daman and Diu
6.45% 3 to 5 years
813
Gujarat Gramin Bank
Rural Gujarat
6.45% Above 2 years and up to 3 years
814
Kerala Gramin Bank
Rural Kerala
6.45% Above 2 years to including 3 years
815 6.45% 3 years to less than 5 years
816
The Jain Sahakari Bank Ltd.
Co-op Maharashtra +1 state
6.45% 2 years to 3 years
817 6.45% 19 months to 39 months
818 6.45% Above 2 years to 3 years
819 6.40% 3 years and above
820 6.40% 3 years to less than 5 years
821 6.40% 3 years and above
822
6.40% Above 1 year to 3 years
823 6.40% above 1 year up to 3 years
824 6.40% 3 years to less than 5 years
825
Himachal Pradesh Gramin Bank
Rural Himachal Pradesh
6.40% >2 year to 3 year
826 6.40% 3 years to less than 5 years
827 6.40% 2 years to less than 42 months
828 6.40% 3 years to less than 5 years
829
Kotak Mahindra Bank
Private Nationwide
6.40% 3 years and above but less than 4 years
830
Mizoram Rural Bank
Rural Mizoram
6.40% 3 years to less than 5 years
831 6.40% 3 years to less than 5 years
832 6.40% 3 years · Monthly Income Scheme
833 6.40% Above 2 year up to 3 years
834 6.40% Above 1 year to 3 years
835 6.40% Above 2 years to 3 years
836
Bharati Sahakari Bank Ltd.
Co-op Maharashtra
6.35% 25 months to 36 months
837 6.35% 3 to less than 5 years
838
IDBI Bank
Private Nationwide
6.35% 3 years to <5 years
839 6.35% 3 years to less than 5 years
840 6.35% Above 2 years to 3 years
841 6.35% 36 months to 60 months
842 6.35% 3 years to less than 5 years
843 6.35% 3 years only
844 6.35% Above 18 months 1 day
845
Tripura Gramin Bank
Rural Tripura
6.35% 3 years to less than 5 years
846 6.30% Above 3 years to 5 years
847
Arunachal Pradesh Rural Bank
Rural Arunachal Pradesh
6.30% >3 years to <5 years
848
Bank of Baroda
Public Nationwide
6.30% Above 3 years and upto 5 years
849 6.30% 3 years to less than 5 years
850 6.30% 3 to 5 years
851
Madhya Pradesh Gramin Bank
Rural Madhya Pradesh
6.30% 3 years to less than 5 years
852 6.30% 2 years to 5 years
853 6.30% 3 year to less than 5 year
854 6.30% 3 years to less than 5 years
855
Punjab National Bank
Public Nationwide
6.30% above 2 to 3 years
856 6.30% Above 18 months to 36 months
857
State Bank of India
Public Nationwide
6.30% 3 years to less than 5 years
858 6.30% 24 month 1 day to 60 month
859 6.30% 3 years to less than 5 years
860 6.30% 3 years to less than 5 years
861 6.30% 3 years to less than 5 years
862 6.30% 3 years to less than 5 years
863 6.30% 1095 days to less than 1824 days
864
Uttar Pradesh Gramin Bank
Rural Uttar Pradesh
6.30% 02 yrs to up to 3 yrs
865 6.30% 3 to 5 years
866
Uttarakhand Gramin Bank
Rural Uttarakhand
6.30% 3 years to less than 5 years
867 6.30% 3 to 5 years
868 6.26% 3 years to less than 5 years
869 6.25% Above 2 years to 5 years
870 6.25% 3 years to less than 5 years
871
Bank of Bahrain & Kuwait B.S.C. (India)
Foreign Maharashtra +2 states
6.25% Above 2 years to 3 years
872 6.25% Above 1 year to less than 5 years
873
Canara Bank
Public Nationwide
6.25% 3 years & above to less than 5 years
874
CSB Bank
Private Nationwide
6.25% Above 750 days to 5 years
875
Deutsche Bank India
Foreign Delhi +8 states
6.25% > 2 yrs - 3 yrs
876
Doha Bank Q.P.S.C. (India)
Foreign Maharashtra +1 state
6.25% Above 2 years to 5 years
877 6.25% 3 years to 5 years
878
Haryana Gramin Bank
Rural Haryana
6.25% Over 2 years to 3 years
879 6.25% 3 years to 3 years
880 6.25% 3 years and above
881 6.25% 18 months to 5 years
882
Nainital Bank
Private Delhi +5 states
6.25% Above 2 years to 3 years
883 6.25% Above 2 years
884
Punjab Gramin Bank
Rural Punjab
6.25% > 2-3 years
885 6.25% 3 year to 5 year
886
Shikshak Sahakari Bank Ltd.
Co-op Maharashtra
6.25% Above 2 yrs to 3 yrs
887
Shivalik Small Finance Bank
Small Finance Delhi +9 states
6.25% 36 months 1 day to 60 months
888 6.25% 366 days to 36 months
889 6.25% 36 months and above
890 6.25% above 2 years to 3 years
891 6.25% above 2 years
892 6.25% (4) Above 24 months and up to 36 months
893 6.25% 3 years and above
894 6.25% 36 months to 120 months
895 6.25% Above 18 months to 36 months
896 6.25% Above 2 years to 3 years
897 6.25% 3 years to 10 years
898 6.25% 3 years to less than 5 years
899 6.25% 1 year to 3 years
900 6.25% 3 years to less than 5 years
901 6.25% More than 2 years - upto 3 years
902 6.25% 2 years 1 day to 3 years
903 6.25% Above 2 years to 5 years
904 6.25% 3 years to less than 5 years
905 6.25% 36 months to 60 months
906 6.25% above 1 year to 36 months
907 6.25% 2 year and Above
908 6.25% 3 years to less than 5 years (upto 1825 days)
909 6.25% 3 to 5 years
910
West Bengal Gramin Bank
Rural West Bengal
6.25% 2 years 1 day to 3 years
911
Nagaland Rural Bank
Rural Nagaland
6.20% 3 years to less than 5 years
912
South Indian Bank
Private Nationwide
6.20% 3 years to less than 5 years
913 6.20% 3 years to less than 5 years
914 6.15% 12 months to 36 months
915 6.15% 3 years to less than 5 years
916
Karnataka Bank
Private Nationwide
6.15% Above 2 years to 3 years
917 6.15% 36 months to 60 months
918 6.15% 3 to 5 years
919 6.15% 3 years and above
920 6.10% 3 years to less than 5 years
921 6.10% 3 years upto 5 years
922
6.10% 3 years to less than 5 years
923
Indian Overseas Bank
Public Nationwide
6.10% 3 years and above
924 6.10% 3 years to less than 5 years
925
Maharashtra Gramin Bank
Rural Maharashtra
6.10% 3 years to less than 5 years
926 6.10% above 2 years to 3 years
927
Union Bank of India
Public Nationwide
6.10% 998 to 3 years
928 6.05% 25 months to 36 months
929
Indian Bank
Public Nationwide
6.05% 3 years to less than 5 years
930 6.00% Above 2 years to 10 years
931 6.00% Over 1 year
932 6.00% Above 18 month
933 6.00% above 1 year to less than 5 years
934 6.00% 3 to 5 years
935
Central Bank of India
Public Nationwide
6.00% 3 years to less than 5 years
936 6.00% 730 to 1824 days
937
Chhattisgarh Gramin Bank
Rural Chhattisgarh
6.00% 3 years to less than 5 years
938 6.00% 3 to less than 5 years
939 6.00% Above 2 years
940
ESAF Small Finance Bank
Small Finance Nationwide
6.00% 3 years to less than 5 years
941 6.00% 3 to less than 5 years
942 6.00% 3 year to less than 5 years
943 6.00% 3 years to less than 5 years
944 6.00% Above 2 years upto 3 years
945 6.00% Above 15 months to 36 months
946 6.00% Above 3 years
947
Manipur Rural Bank
Rural Manipur
6.00% 3 years to less than 5 years
948 6.00% 3 year and above
949 6.00% Above 24 months
950 6.00% 1 YEAR up to 3 YEAR
951 6.00% 365 days to 3years
952 6.00% above 2 years
953 6.00% 2 years and above and up to 10 years
954 6.00% above 2 years
955 6.00% 12 MONTHS AND ABOVE (MAXIMUM 120 MONTHS)
956 6.00% 3 to less than 5 years
957 6.00% 3 years to less than 5 years
958 6.00% 3 years and above
959 6.00% above 24 months up to 36 months
960 6.00% 12 months and above
961 6.00% 3 years to less than 5 years
962 6.00% 2 years and above
963 6.00% 3 YEAR ABOVE - 5 YEAR
964 6.00% 25 month up to 36 month
965 6.00% 12 months to 36 months
966 6.00% 3 years to less than 5 years
967
UCO Bank
Public Nationwide
6.00% 1001 to 3 years
968 6.00% Above 2 years to 5 years
969 6.00% Above 24 months upto 36 months
970 6.00% 16 months to 36 months
971
Odisha Grameen Bank
Rural Odisha
5.95% 3 years to less than 5 years
972 5.90% 2 years and above
973 5.90% 2 to 3 years
974 5.90% 3 year to Less than 5 year
975 5.90% 3 years to less than 5 years
976
Barclays Bank PLC (India)
Foreign Maharashtra
5.89% 3 years to less than 4 years
977
Punjab & Sind Bank
Public Nationwide
5.85% 3 years to less than 44 months
978 5.80% 3 years and above
979 5.75% 1 year to 3 years
980 5.75% More than 30 months to 60 months
981 5.75% Above 24 months
982 5.75% 36 months to 60 months
983 5.75% 365 DAYS to 1825 DAYS
984 5.75% 551 days to 1095 days
985 5.65% 3 years and above
986 5.65% Above 2 years
987 5.65% 3 years to less than 4 years
988 5.62% 731 days to 1095 days
989 5.50% Above 2 years to 5 years
990 5.50% 2 to 5 years
991 5.50% Above 2 years to 7 years
992 5.50% 3 years to 5 years
993 5.50% 1 year to 3 years
994 5.50% 2 years to 3 years
995 5.50% 366 days and above
996 5.50% 12 month and above
997 5.50% 25 months to 36 months
998 5.50% Above 2 years upto 3 years
999
HSBC India
Foreign Andhra Pradesh +13 states
5.35% 36 months to less than 37 months
1000
Mizuho Bank, Ltd. (India)
Foreign Maharashtra
5.30% Above 2 years to 5 years
1001 5.30% 3 years to less than 5 years
1002 5.30% Above 2 years to 3 years
1003
Bank of Maharashtra
Public Nationwide
5.25% Above 2 years to 3 years
1004 5.25% 3 years and above
1005 5.25% 2 year to below 5 years
1006
MUFG Bank, Ltd. (India)
Foreign Maharashtra
5.20% Above 2 year up to 3 years
1007 5.05% Above 1 year to 3 years
1008 5.00% 03 year to 10 year
1009 5.00% 36 months to less than 120 months
1010 5.00% 12 month 1 day to 5 years
1011 5.00% 1 year 1 day to 3 years
1012 4.75% Above 24 months to 36 months
1013 4.60% above 24 months to 36 months
1014 4.56% 366 days and above
1015 4.50% 3 years and above
1016
BNP Paribas (India)
Foreign Maharashtra
4.00% 732 days to 1095 days
1017
Bank of America, N.A. (India)
Foreign Maharashtra
3.35% Above 2 years to 5 years
1018
Citibank N.A. (India)
Foreign Maharashtra
1.75% 732 days to 1095 days

Best FD rate by tenure

Tap a tenure for the full ranking

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 14 Nov 2026, the highest 3 years FD rate we track is 10.00% at Mudalagi Co-operative Bank Ltd..

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 14 Nov 2026, Mudalagi Co-operative Bank Ltd. offers the highest 3 years FD rate at 10.00% p.a. for general depositors. Other top options include Kattappana Urban Co-op Bank at 9.50% and Navabharat Co-op Urban Bank at 9.50%. 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, Mudalagi Co-op Bank currently offers the highest senior citizen rate at 11.00% p.a. (as of 14 Nov 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.

FD rates in India on 4 November 2026: what ₹5 lakh could earn
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