Best 3 years FD rates · October 2026

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

Rates updated 22 Oct 2026

Best 3 years FD rates

General public · below ₹3 crore · Dataset refreshed 22 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	Gondal Nagarik Sahakari Bank Ltd. Co-operative Gujarat	8.00%	365 DAYS TO 36 MONTH
5	Jana Small Finance Bank Small Finance Nationwide	8.00%	3 years (1095 days)
6	South Canara District Central Co-operative Bank Co-operative Karnataka	8.00%	3 to 5 years
7	The Bapunagar Mahila Co-operative Bank Ltd. Co-operative Gujarat	8.00%	24 months to 60 months
8	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	7.75%	3 to 5 years
9	Hyderabad District Central Co-operative Bank Ltd. Co-operative Telangana	7.75%	3 to less than 5 years
10	The Bhuj Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.75%	From 555 days to 1095 days
11	The Godhra City Co-op Bank Ltd. Co-operative Gujarat	7.75%	3 years
12	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	7.60%	1 to 10 years
13	Raichur District Co-operative Central Bank Co-operative Karnataka	7.60%	Above 2 years
14	Surendranagar District Central Co-operative Bank Co-operative Gujarat	7.60%	3 to 5 years
15	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	7.50%	1 year and above
16	Gujarat Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.50%	2 year to 5 years
17	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.50%	2 to 5 years
18	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	7.50%	3 years and above
19	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	7.50%	Above 3 years
20	Mysore City District Co-operative Central Bank Co-operative Karnataka	7.50%	1 year and above
21	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.50%	1 year and above
22	Rohtak District Central Co-operative Bank Co-operative Haryana	7.50%	3 to 5 years
23	Sangli District Central Co-operative Bank Co-operative Maharashtra	7.50%	3 to 5 years
24	Sarvodaya Sahakari Bank Ltd. Co-operative Gujarat	7.50%	1 year to 3 years
25	Shri Vinayak Sahakari Bank Ltd. Co-operative Gujarat	7.50%	731 days to 1825 days
26	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	7.50%	2 years 1 day - 3 years
27	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	7.50%	Above 2 years & upto 3 years
28	The Ankola Urban Co-operative Bank Ltd. Co-operative Karnataka	7.50%	For 401 days to 3 years
29	The Bhadran Peoples' Co-Op. Bank Ltd. Co-operative Gujarat	7.50%	36 months
30	The Charada Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.50%	36 months to 59 months
31	The Marketyard Commercial Co-op. Bank Ltd. Co-operative Gujarat	7.50%	3 years (36 months) to below 4 years
32	The Ranuj Nagrik Sahkari Bank Ltd. Co-operative Gujarat	7.50%	12 month and above
33	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.50%	Above 2 years
34	Utkarsh Small Finance Bank Small Finance Nationwide	7.50%	2 years to 3 years
35	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.40%	3 to less than 5 years
36	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.35%	3 year up to less than 5 year
37	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.35%	2 to 5 years
38	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	7.30%	3 years to 5 years
39	City Union Bank Private Nationwide	7.30%	556 days to 3 years
40	Sikkim State Co-operative Bank Co-operative Sikkim	7.30%	3 years to 10 years
41	The Panchsheel Mercantile Co-op. Bank Ltd. Co-operative Gujarat	7.30%	above 24 months up to 36 months
42	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	7.25%	1 year to less than 5 years
43	Bandhan Bank Private Nationwide	7.25%	3 years to less than 5 years
44	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	7.25%	More than 1 to 5 years
45	Jivan Commercial Co-operative Bank Ltd. Co-operative Gujarat	7.25%	Above 24 months to 36 months
46	Kaithal District Central Co-operative Bank Co-operative Haryana	7.25%	3 to 4 years
47	Kurukshetra District Central Co-operative Bank Co-operative Haryana	7.25%	3 to 5 years
48	Mahendragarh District Central Co-operative Bank Co-operative Haryana	7.25%	Above 3 years
49	Malpur Nagrik Sahkari Bank Ltd. Co-operative Gujarat	7.25%	2 year to 3 year
50	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	7.25%	3 to 5 years
51	Suryoday Small Finance Bank Small Finance Gujarat +5 states	7.25%	Above 30 months to 3 years
52	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	7.25%	2 years and above
53	The Harij Nagarik Sahakari Bank Ltd. Co-operative Gujarat	7.25%	365 days and above
54	The Lunawada People's Co-op Bank Ltd. Co-operative Gujarat	7.25%	3 YEAR AND ABOVE
55	The Rander Peoples Co-op. Bank Ltd. Co-operative Gujarat	7.25%	3 years to 4 years
56	Ujjivan Small Finance Bank Small Finance Nationwide	7.25%	2 year 1 day - 3 year
57	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	7.25%	Above 3 years
58	Warangal District Central Co-operative Bank Co-operative Telangana	7.25%	Above 3 years
59	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	7.25%	3 to 5 years
60	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	7.20%	3 to 5 years
61	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.20%	3 to 5 years
62	The Junagadh Commercial Co-op Bank Ltd. Co-operative Gujarat	7.20%	Above 24 months to 36 months
63	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	7.15%	2 year 1 day to 10 years
64	Rewari District Central Co-operative Bank Co-operative Haryana	7.15%	Above 3 years
65	Shree Talaja Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.15%	Above 2 year
66	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	7.15%	2 years and above
67	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	7.10%	889 day to 3 years
68	IDFC First Bank Private Nationwide	7.10%	500 days – 3 years
69	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	7.10%	3 to 5 years
70	Post Office Savings Schemes Government Scheme	7.10%	3 years
71	Sirsa District Central Co-operative Bank Co-operative Haryana	7.10%	Above 2 years
72	The Nasik Merchants Co-operative Bank Ltd. Co-operative Maharashtra	7.10%	Above 24 months to 36 months
73	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	7.05%	1 year and above
74	RBL Bank Private Nationwide	7.05%	36 months 1 day to less than 60 months
75	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	3 to 10 years
76	Amanath Co-operative Bank Ltd. Co-operative Karnataka	7.00%	Above 2 years & up to 3 years
77	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	2 year to Less than 5 year
78	Assam Gramin Vikash Bank Regional Rural Assam	7.00%	3 years to less than equal to 5 years
79	AU Small Finance Bank Small Finance Nationwide	7.00%	36 months 1 day to 45 months
80	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	3 to 5 years
81	Capital Small Finance Bank Small Finance Chandigarh +7 states	7.00%	1 year to less than 5 years
82	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	7.00%	3 years and above
83	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	2 to 5 years
84	DCB Bank Private Nationwide	7.00%	35 months to less than 37 months
85	Dhanera Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	13 months to 36 months
86	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	3 to 5 years
87	Goa State Co-operative Bank Co-operative Goa	7.00%	1 year and above
88	Gujarat Gramin Bank Regional Rural Gujarat	7.00%	Above 2 years and up to 3 years
89	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	3 to 5 years
90	IndusInd Bank Private Nationwide	7.00%	2 years to 3 years
91	Jharkhand State Co-operative Bank Co-operative Jharkhand	7.00%	2 years to 3 years
92	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	7.00%	3 to 5 years
93	Kerala State Co-operative Bank Co-operative Kerala	7.00%	2 years and above
94	M. S. Co-operative Bank Ltd. Co-operative Gujarat	7.00%	Above 2 years to 3 years
95	Maharashtra State Co-operative Bank Co-operative Maharashtra	7.00%	More than 2 years to up to 3 years
96	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	7.00%	2 to 3 years
97	Nayagarh District Central Co-operative Bank Co-operative Odisha	7.00%	3 to 5 years
98	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	Above 3 years
99	Odisha State Co-operative Bank Co-operative Odisha	7.00%	3 to less than 5 years
100	Panchmahals District Central Co-operative Bank Co-operative Gujarat	7.00%	Above 3 years
101	Prime Co-operative Bank Ltd. Co-operative Gujarat	7.00%	3 years to 5 years
102	Sardarganj Mercantile Co-op. Bank Ltd., Anand Co-operative Gujarat	7.00%	1 year and above upto 3 years
103	Shree Bharat Co-operative Bank Ltd. Co-operative Gujarat	7.00%	2 years to 3 years
104	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	Above 3 years
105	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	7.00%	3 to 5 years
106	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	3 to 5 years
107	The Co-operative Bank of Mehsana Ltd. Co-operative Gujarat	7.00%	36 months to 60 months
108	The Dhrangadhra Peoples' Co-Op. Bank Ltd. Co-operative Gujarat	7.00%	13 months to 36 months
109	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	7.00%	Above 24 months to 36 months
110	The Idar Nagarik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	25 months to 36 months
111	The Kapdawanj People's Co-Op. Bank Ltd. Co-operative Gujarat	7.00%	Above 36 months
112	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	7.00%	1 year and above
113	The Kheda Peoples Co-operative Bank Ltd. Co-operative Gujarat	7.00%	1001 days and above
114	The Mansa Nagarik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	25 months to 36 months
115	The Padra Nagar Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	13 MONTHS TO 36 MONTHS
116	The People's Co-operative Bank Ltd., Dholka Co-operative Gujarat	7.00%	366 day to 1095 day
117	The Santrampur Urban Co-op. Bank Ltd. Co-operative Gujarat	7.00%	3 YEAR ABOVE
118	The Sarangpur Co-operative Bank Ltd. Co-operative Gujarat	7.00%	1 year to 3 years
119	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	7.00%	Above 2 year up to 3 years
120	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	7.00%	3 to 5 years
121	TJSB Sahakari Bank Ltd. Co-operative Maharashtra +6 states	7.00%	Above 24 months to 36 months
122	Yes Bank Private Nationwide	7.00%	36 months to < 60 months
123	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.90%	25 months to 36 months
124	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	6.90%	Greater than 18 up to 36 months
125	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.90%	3 to 5 years
126	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	6.90%	3 to 10 years
127	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.90%	Above 2 years to 3 years
128	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.90%	3 to 5 years
129	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	6.85%	36 months and above
130	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	6.85%	Above 2 years to 3 years
131	The Chanasma Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.85%	25 months to 36 months
132	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	6.80%	3 to 5 years
133	Saraswat Co-operative Bank Ltd. Co-operative Maharashtra	6.80%	2 years 11 days to 3 years
134	The Financial Co-operative Bank Ltd. Co-operative Gujarat	6.80%	Above 2 year to 3 year · Finco Dhan Vrudhi
135	The Haryana State Co-operative Apex Bank Co-operative Haryana	6.80%	3 years and above
136	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.80%	18 months (One Day) to 36 months
137	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.75%	556 days and above
138	Citizens Co-operative Bank Ltd., Rajkot Co-operative Gujarat	6.75%	2 year upto 5 year
139	District Co-operative Bank Rampur Co-operative Uttar Pradesh	6.75%	3 to 5 years
140	Greater Co-operative Bank Ltd. Co-operative Maharashtra	6.75%	3 years up to 5 years
141	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	6.75%	731 to 1825 days
142	Kankaria Maninagar Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	From 2 year to 3 year
143	Meghalaya Rural Bank Regional Rural Meghalaya	6.75%	3 years and less than 5 years
144	Nagaland State Co-operative Bank Co-operative Nagaland	6.75%	2 to 3 years
145	Nagpur District Central Co-operative Bank Co-operative Maharashtra	6.75%	3 to 5 years
146	Rohika District Central Co-operative Bank Co-operative Bihar	6.75%	Above 3 years
147	Sangli Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.75%	1 year to less than 4 years · Non-Cumulative
148	Sarvodaya Commercial Co-operative Bank Ltd. Co-operative Gujarat	6.75%	Above 24 months to 48 months
149	The Anand Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	12 months and above up to 36 months
150	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	More than 24 months, up to 36 months
151	The Gandhidham Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	12 months to 36 months
152	The Himmatnagar Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	1 year (365 days ) to 3 year (36 months)
153	The Karnavati Co-op Bank Ltd. Co-operative Gujarat	6.75%	3 YEAR TO 5 YEARS
154	The Patan Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	24 MONTHS AND ABOVE UP TO 60 MONTHS
155	The Surat Mercantile Co-op. Bank Ltd. Co-operative Gujarat	6.75%	More than 2 years to 3 years
156	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to 5 years
157	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to 5 years
158	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	Above 3 years to 5 years
159	Bank of India Public Sector Nationwide	6.70%	3 years
160	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	6.70%	1095 to 1824 days
161	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	6.70%	3 to 5 years
162	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	6.70%	1095 to 1824 days
163	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.70%	3 to less than 5 years
164	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
165	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.70%	Above 18 months to 3 years
166	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
167	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	3 to less than 5 years
168	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	6.70%	3 years to less than 5 years
169	Magadh District Central Co-operative Bank Co-operative Bihar	6.70%	3 to 5 years
170	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	6.70%	3 to 5 years
171	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	6.70%	3 years to less than 5 years
172	Tamilnad Mercantile Bank Private Nationwide	6.70%	3 years to 10 years
173	The Chanasma Commercial Co-op Bank Ltd. Co-operative Gujarat	6.70%	More then 25 months
174	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	6.70%	Above 2 years to 3 years
175	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	6.70%	Above 1 year to 3 years
176	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	6.70%	Above 3 to 5 years
177	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	6.65%	3 to 5 years
178	NKGSB Co-operative Bank Ltd. Co-operative Maharashtra	6.65%	25 months - 36 months
179	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	6.65%	Above 24 months to 36 months
180	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	Above 3 years
181	Panchkula District Central Co-operative Bank Co-operative Haryana	6.60%	3 to 5 years
182	Shamrao Vithal Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	Above 24 months to 60 months
183	Shree Kadi Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.60%	Above 24 months to 36 months
184	The Akola Janata Commercial Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.60%	Above 2 years to 5 years
185	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.55%	Above 24 months to 36 months
186	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.55%	731 days to 1097 days
187	Karur Vysya Bank Private Nationwide	6.55%	Above 2 years up to 3 years
188	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.55%	2 to less than 3 years
189	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	6.55%	732 to 1096 days
190	The Dahod Urban Co-operative Bank Ltd. Co-operative Gujarat	6.55%	3 years and above
191	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	From 1 year to 5 year
192	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.50%	3 years to less than 5 years
193	Axis Bank Private Nationwide	6.50%	3 years < 5 years
194	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.50%	3 years and above
195	Bihar Gramin Bank Regional Rural Bihar	6.50%	>2 years to 3 years
196	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
197	Central Co-operative Bank Kota Co-operative Rajasthan	6.50%	3 to 5 years
198	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.50%	3 to 5 years
199	Dhanlaxmi Bank Private Andhra Pradesh +15 states	6.50%	Above 2 years upto & inclusive of 3 years
200	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	6.50%	3 to 5 years
201	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	6.50%	3 to 5 years
202	Federal Bank Private Nationwide	6.50%	Above 24 months to less than 48 months
203	Gujarat Ambuja Co-operative Bank Ltd. Co-operative Gujarat	6.50%	25 months to 36 months
204	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.50%	More than 3 to less than 5 years
205	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	6.50%	3 years to less than 5 years
206	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.50%	3 to 5 years
207	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.50%	3 to less than 5 years
208	Karnataka Grameena Bank Regional Rural Karnataka	6.50%	Above 2 years upto & inclusive 3 years
209	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.50%	3 years and above
210	Mumbai District Central Co-operative Bank Co-operative Maharashtra	6.50%	3 to 5 years
211	Nagaland Rural Bank Regional Rural Nagaland	6.50%	3 years to less than 5 years
212	Nawada District Central Co-operative Bank Co-operative Bihar	6.50%	3 to 5 years
213	Puducherry Grama Bank Regional Rural Puducherry	6.50%	3 years to less than 5 years
214	Rajasthan Gramin Bank Regional Rural Rajasthan	6.50%	3 years to less than 5 years
215	Shivamogga District Co-operative Central Bank Co-operative Karnataka	6.50%	3 to 5 years
216	Sihor Mercantile Co-op. Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
217	Siwan District Central Co-operative Bank Co-operative Bihar	6.50%	3 to 5 years
218	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	6.50%	3 yrs < 4 yrs
219	Telangana Grameena Bank Regional Rural Telangana	6.50%	3 years to less than 5 years
220	Thane Bharat Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	Above 1 year to 3 years
221	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.50%	Over 2 years to 3 years
222	The Bavla Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	25 months to 60 months
223	The Gandhidham Co-op Bank Ltd. Co-operative Gujarat	6.50%	12 months to 36 months
224	The Gandhinagar Nagarik Co-op. Bank Ltd. Co-operative Gujarat	6.50%	366 days to 36 months
225	The Gandhinagar Urban Co-op Bank Ltd. Co-operative Gujarat	6.50%	25 months to 36 months
226	The Kalol Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	24 months to 36 months
227	The Kalyan Janata Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	3 years to less than 5 years
228	The Karad Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.50%	Above 2 years to 3 years
229	The Khambhat Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	1 YEAR AND ABOVE
230	The Mandal Nagrik Sahkari Bank Ltd. Co-operative Gujarat	6.50%	13 MONTH TO 60 MONTH
231	The Modasa Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	12 month and upto 60 month
232	The Navnirman Co-operative Bank Ltd. Co-operative Gujarat	6.50%	25 months to 120 months
233	The Rajkot Commercial Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	25 months to 36 months
234	The Saraspur Nagarik Co-op. Bank Ltd. Co-operative Gujarat	6.50%	above 15 months - 3 years
235	The Surat National Co-op. Bank Ltd. Co-operative Gujarat	6.50%	Above 2 years
236	The Zoroastrian Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.50%	Over 2 years up to 3 years
237	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	6.45%	2 years to 5 years
238	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	6.45%	3 to 5 years
239	HDFC Bank Private Nationwide	6.45%	2 years 11 months 1 day <= 3 year
240	ICICI Bank Private Nationwide	6.45%	2 years 1 day to 3 years
241	Kerala Gramin Bank Regional Rural Kerala	6.45%	Above 2 years to including 3 years
242	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.40%	2 years and above
243	Assam Co-operative Apex Bank Co-operative Assam	6.40%	3 years to less than 5 years
244	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	6.40%	>2 year to 3 year
245	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	6.40%	3 to less than 5 years
246	Kotak Mahindra Bank Private Nationwide	6.40%	3 years and above but less than 4 years
247	Mizoram Rural Bank Regional Rural Mizoram	6.40%	3 years to less than 5 years
248	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	6.35%	25 months to 36 months
249	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	6.35%	3 to less than 5 years
250	IDBI Bank Private Nationwide	6.35%	3 years to <5 years
251	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	3 years only
252	Tripura Gramin Bank Regional Rural Tripura	6.35%	3 years to less than 5 years
253	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	6.30%	Above 3 years to 5 years
254	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	6.30%	>3 years to <5 years
255	Bank of Baroda Public Sector Nationwide	6.30%	Above 3 years and upto 5 years
256	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	6.30%	3 to 5 years
257	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	6.30%	3 years to less than 5 years
258	Punjab National Bank Public Sector Nationwide	6.30%	above 2 to 3 years
259	State Bank of India Public Sector Nationwide	6.30%	3 years to less than 5 years
260	The Baroda City Co-operative Bank Ltd. Co-operative Gujarat	6.30%	24 month 1 day to 60 month
261	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	6.30%	02 yrs to up to 3 yrs
262	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	6.30%	3 to 5 years
263	Uttarakhand Gramin Bank Regional Rural Uttarakhand	6.30%	3 years to less than 5 years
264	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.30%	3 to 5 years
265	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	6.25%	2 to 5 years
266	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	6.25%	3 years to 5 years
267	Canara Bank Public Sector Nationwide	6.25%	3 years & above to less than 5 years
268	CSB Bank Private Nationwide	6.25%	Above 750 days to 5 years
269	Deutsche Bank India Foreign Bank Delhi +8 states	6.25%	> 2 yrs - 3 yrs
270	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	6.25%	3 years to less than 5 years
271	Haryana Gramin Bank Regional Rural Haryana	6.25%	Over 2 years to 3 years
272	Nainital Bank Private Delhi +5 states	6.25%	Above 2 years to 3 years
273	Punjab Gramin Bank Regional Rural Punjab	6.25%	> 2-3 years
274	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	6.25%	3 year to 5 year
275	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	6.25%	Above 2 yrs to 3 yrs
276	Shivalik Small Finance Bank Small Finance Delhi +9 states	6.25%	36 months 1 day to 60 months
277	The Bhagyodaya Co-operative Bank Ltd. Co-operative Gujarat	6.25%	(4) Above 24 months and up to 36 months
278	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.25%	3 years and above
279	The Gozaria Nagrik Sahkari Bank Ltd. Co-operative Gujarat	6.25%	36 months to 120 months
280	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.25%	More than 2 years - upto 3 years
281	The Nawanagar Co-operative Bank Ltd. Co-operative Gujarat	6.25%	Above 2 years to 5 years
282	The West Bengal State Co-operative Bank Co-operative West Bengal	6.25%	3 to 5 years
283	West Bengal Gramin Bank Regional Rural West Bengal	6.25%	2 years 1 day to 3 years
284	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.20%	3 years to less than 5 years
285	South Indian Bank Private Nationwide	6.20%	3 years to less than 5 years
286	Karnataka Bank Private Nationwide	6.15%	Above 2 years to 3 years
287	Patliputra District Central Co-operative Bank Co-operative Bihar	6.15%	3 to 5 years
288	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.10%	3 to 5 years
289	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	6.10%	3 years upto 5 years
290	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.10%	3 years to less than 5 years
291	Indian Overseas Bank Public Sector Nationwide	6.10%	3 years and above
292	Maharashtra Gramin Bank Regional Rural Maharashtra	6.10%	3 years to less than 5 years
293	Union Bank of India Public Sector Nationwide	6.10%	998 days to 3 years
294	Indian Bank Public Sector Nationwide	6.05%	3 years to less than 5 years
295	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.00%	Over 1 year
296	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	6.00%	3 to 5 years
297	Central Bank of India Public Sector Nationwide	6.00%	3 years to less than 5 years
298	Central Co-operative Bank Pali Co-operative Rajasthan	6.00%	730 to 1824 days
299	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	6.00%	3 years to less than 5 years
300	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	6.00%	3 to less than 5 years
301	ESAF Small Finance Bank Small Finance Nationwide	6.00%	3 years to less than 5 years
302	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	6.00%	3 to 5 years
303	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	6.00%	3 year to less than 5 years
304	Mandya District Co-operative Central Bank Co-operative Karnataka	6.00%	Above 3 years
305	Manipur Rural Bank Regional Rural Manipur	6.00%	3 years to less than 5 years
306	Shree Vardhaman Sahakari Bank Ltd. Co-operative Gujarat	6.00%	1 YEAR up to 3 YEAR
307	Shri Mahila Sewa Sahakari Bank Ltd. Co-operative Gujarat	6.00%	365 days to 3years
308	Solapur Janata Sahakari Bank Ltd. Co-operative Maharashtra	6.00%	2 years and above and up to 10 years
309	The Bihar State Co-operative Bank Co-operative Bihar	6.00%	3 years to less than 5 years
310	The Co-Operative Bank of Rajkot Ltd. Co-operative Gujarat	6.00%	above 24 months up to 36 months
311	The Kukarwada Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.00%	3 YEAR ABOVE - 5 YEAR
312	The Mandvi Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.00%	25 month to 36 month
313	UCO Bank Public Sector Nationwide	6.00%	1001 days to 3 years
314	Odisha Grameen Bank Regional Rural Odisha	5.95%	3 years to less than 5 years
315	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.90%	2 years and above
316	Manipur State Co-operative Bank Co-operative Manipur	5.90%	2 to 3 years
317	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	5.90%	3 year to Less than 5 year
318	Punjab & Sind Bank Public Sector Nationwide	5.85%	3 years to 43 months
319	Motihari District Central Co-operative Bank Co-operative Bihar	5.80%	Above 3 years
320	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.75%	1 year to 3 years
321	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	5.75%	More than 30 months to 60 months
322	The Meghraj Nagarik Sahakari Bank Ltd. Co-operative Gujarat	5.75%	365 DAYS to 1825 DAYS
323	Puducherry State Co-operative Bank Co-operative Puducherry	5.65%	3 years and above
324	Sitamarhi District Central Co-operative Bank Co-operative Bihar	5.50%	2 to 5 years
325	The Sathamba People's Co-operative Bank Ltd. Co-operative Gujarat	5.50%	12 month and above
326	HSBC India Foreign Bank Andhra Pradesh +13 states	5.35%	36 months to less than 37 months
327	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	5.30%	1 to 5 years
328	Bank of Maharashtra Public Sector Nationwide	5.25%	Above 2 years to 3 years
329	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	5.25%	3 years and above
330	The Dharmaj Peoples Co-Op Bank Ltd. Co-operative Gujarat	5.25%	2 year to below 5 years

Best FD rate by tenure

Tap a tenure for the full ranking

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 22 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 22 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 22 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.

Latest article Best FD rates in India on 16 October 2026: up to 9.00%

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