Best 5 years FD rates · October 2026

The banks offering the highest fixed-deposit rate for a 5 years tenure, ranked.

Rates updated 19 Oct 2026

Best 5 years FD rates

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

#BankRateApplies to
1 Suryoday Small Finance Bank
Small Finance Gujarat +5 states
 8.25% 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 The Bapunagar Mahila Co-operative Bank Ltd.
Co-operative Gujarat
 8.00% 24 months to 60 months
5 Jana Small Finance Bank
Small Finance Nationwide
 7.77% >3 years - 5 years (1825 days)
6 Davangere District Co-operative Central Bank Ltd.
Co-operative Karnataka
 7.75% 5 years and above
7 Jilla Sahakari Kendriya Bank Maryadit, Betul
Co-operative Madhya Pradesh
 7.75% Above 5 years
8 Bangalore & Bangalore Rural District Co-op Central Bank Ltd.
Co-operative Karnataka
 7.60% 1 to 10 years
9 Raichur District Co-operative Central Bank
Co-operative Karnataka
 7.60% Above 2 years
10 Surendranagar District Central Co-operative Bank
Co-operative Gujarat
 7.60% Above 5 years
11 Belgaum District Central Co-operative Bank Ltd.
Co-operative Karnataka
 7.50% 1 year and above
12 DCB Bank
Private Nationwide
 7.50% 60 months to 61 months
13 Hassan District Co-operative Central Bank Ltd.
Co-operative Karnataka
 7.50% 5 years and above
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 Post Office Savings Schemes
Government Scheme
7.50% 5 years
19 Rohtak District Central Co-operative Bank
Co-operative Haryana
 7.50% Above 5 years
20 The Akola Urban Co-operative Bank Ltd.
Co-operative Maharashtra
 7.50% Above 3 years to till 5 years
21 The Nagpur Nagarik Sahakari Bank Ltd.
Co-operative Maharashtra +2 states
 7.50% 60 months (Kamdhenu) · Kamdhenu Deposit Scheme (Tax Saving u/s 80C)
22 Tumkur District Central Co-operative Bank
Co-operative Karnataka
 7.50% Above 2 years
23 Balangir District Central Co-operative Bank Ltd.
Co-operative Odisha
 7.30% 5 years to 10 years
24 Kakinada District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 7.30% 5 to 10 years
25 Sikkim State Co-operative Bank
Co-operative Sikkim
 7.30% 3 years to 10 years
26 Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur
Co-operative Madhya Pradesh
 7.25% Above 5 years
27 Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.
Co-operative Maharashtra
 7.25% 5 to 10 years · Tax Saving Deposit Scheme
28 Kurukshetra District Central Co-operative Bank
Co-operative Haryana
 7.25% Above 5 years
29 Mahendragarh District Central Co-operative Bank
Co-operative Haryana
 7.25% Above 3 years
30 Nayagarh District Central Co-operative Bank
Co-operative Odisha
 7.25% Above 5 years
31 Sangli District Central Co-operative Bank
Co-operative Maharashtra
 7.25% Above 5 years
32 The Bhavnagar District Co-operative Bank Ltd.
Co-operative Gujarat
 7.25% 2 years and above
33 Tirunelveli Nellai Central Co-operative Bank
Co-operative Tamil Nadu
 7.25% Above 5 years
34 Visakhapatnam District Central Co-operative Bank
Co-operative Andhra Pradesh
 7.25% Above 3 years
35 Warangal District Central Co-operative Bank
Co-operative Telangana
 7.25% Above 3 years
36 Ujjivan Small Finance Bank
Small Finance Nationwide
 7.20% >3 year 6 months- 5 years
37 Zila Sahkari Bank Limited Meerut
Co-operative Uttar Pradesh
 7.20% Above 5 years
38 Rewari District Central Co-operative Bank
Co-operative Haryana
 7.15% Above 3 years
39 The Churu Central Co-operative Bank Ltd.
Co-operative Rajasthan
 7.15% 2 years and above
40 Kadapa District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 7.10% 5 to 10 years
41 Sirsa District Central Co-operative Bank
Co-operative Haryana
 7.10% Above 2 years
42 Kurnool District Central Co-operative Bank
Co-operative Andhra Pradesh
 7.05% 1 year and above
43 Ahmednagar District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 7.00% 3 to 10 years
44 Akhand Anand Co-Operative Bank Ltd.
Co-operative Gujarat
 7.00% 5 year up to 10 year
45 Assam Gramin Vikash Bank
Regional Rural Assam
 7.00% 3 years to less than equal to 5 years
46 Capital Small Finance Bank
Small Finance Chandigarh +7 states
 7.00% 5 years and upto 10 years
47 Chhattisgarh Rajya Sahakari Bank Maryadit
Co-operative Chhattisgarh
 7.00% 3 years and above
48 Chikkamagaluru District Co-operative Central Bank Ltd.
Co-operative Karnataka
 7.00% 5 years and above
49 Equitas Small Finance Bank
Small Finance Andhra Pradesh +17 states
 7.00% 4 years 1 day to 5 years
50 Goa State Co-operative Bank
Co-operative Goa
 7.00% 1 year and above
51 Hissar District Central Co-operative Bank Ltd.
Co-operative Haryana
 7.00% Above 5 years
52 Kaithal District Central Co-operative Bank
Co-operative Haryana
 7.00% 5 to 10 years
53 Kerala State Co-operative Bank
Co-operative Kerala
 7.00% 2 years and above
54 Nellore District Central Co-operative Bank
Co-operative Andhra Pradesh
 7.00% Above 3 years
55 Odisha State Co-operative Bank
Co-operative Odisha
 7.00% 3 to less than 5 years
56 Panchmahals District Central Co-operative Bank
Co-operative Gujarat
 7.00% Above 3 years
57 Sindhudurg District Central Co-operative Bank
Co-operative Maharashtra
 7.00% Above 5 years
58 Slice Small Finance Bank
Small Finance Arunachal Pradesh +11 states
 7.00% 3 years 1 day - 5 years
59 Srikakulam District Central Co-operative Bank
Co-operative Andhra Pradesh
 7.00% Above 3 years
60 Telangana Grameena Bank
Regional Rural Telangana
 7.00% 5 year to 10 years
61 The Adilabad District Co-operative Central Bank Ltd.
Co-operative Telangana
 7.00% Above 5 years
62 The Bhagalpur Central Co-operative Bank Ltd.
Co-operative Bihar
 7.00% 5 to 10 years
63 The Karnataka State Co-operative Apex Bank
Co-operative Karnataka
 7.00% 1 year and above
64 Utkarsh Small Finance Bank
Small Finance Nationwide
 7.00% 4 years to 5 years
65 Andaman & Nicobar State Co-operative Bank
Co-operative Andaman and Nicobar Islands
 6.95% 5 years to 10 years
66 Chittorgarh Kendriya Sahkari Bank Ltd.
Co-operative Rajasthan
 6.90% 5 to 10 years
67 District Co-operative Bank Ltd. Farrukhabad
Co-operative Uttar Pradesh
 6.90% 3 to 10 years
68 Tamil Nadu State Apex Co-operative Bank
Co-operative Tamil Nadu
 6.85% 36 months and above
69 Apna Sahakari Bank Ltd.
Co-operative Maharashtra
 6.80% 37 months to 60 months
70 The Haryana State Co-operative Apex Bank
Co-operative Haryana
 6.80% 3 years and above
71 AU Small Finance Bank
Small Finance Nationwide
 6.75% 60 months to 120 months
72 Bhiwani Central Co-operative Bank Ltd.
Co-operative Haryana
 6.75% 556 days and above
73 GP Parsik Sahakari Bank Ltd.
Co-operative Maharashtra +2 states
 6.75% Above 3 years to 5 years
74 Greater Co-operative Bank Ltd.
Co-operative Maharashtra
 6.75% 3 years up to 5 years
75 Gujarat Gramin Bank
Regional Rural Gujarat
 6.75% Above 3 years and up to 5 years
76 Hyderabad District Central Co-operative Bank Ltd.
Co-operative Telangana
 6.75% 5 years and above
77 IDFC First Bank
Private Nationwide
 6.75% 3 years 1 day – 5 years
78 Jammu and Kashmir Grameen Bank
Regional Rural Jammu and Kashmir
 6.75% 5 years to 10 years
79 Jamnagar District Central Co-operative Bank Ltd.
Co-operative Gujarat
 6.75% 731 to 1825 days
80 Jharkhand State Co-operative Bank
Co-operative Jharkhand
 6.75% 5 years
81 RBL Bank
Private Nationwide
 6.75% 60 months to 120 months
82 Rohika District Central Co-operative Bank
Co-operative Bihar
 6.75% Above 3 years
83 The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd.
Co-operative Telangana +1 state
 6.75% Above 3 years & upto 5 years
84 The Banaskantha Mercantile Co-operative Bank Ltd.
Co-operative Gujarat
 6.75% More than 36 months, up to 60 months
85 The Cosmos Co-operative Bank Ltd.
Co-operative Maharashtra
 6.75% Above 36 months to 10 years
86 The Goa Urban Co-operative Bank Ltd.
Co-operative Goa
 6.75% Above 48 months to 60 months
87 The Surat Peoples Co-operative Bank Ltd.
Co-operative Gujarat +1 state
 6.75% Above 4 year up to 5 years
88 Yes Bank
Private Nationwide
 6.75% 60 months 1 day to <= 120 months
89 Agra Zilla Sahakari Bank Ltd.
Co-operative Uttar Pradesh
 6.70% 5 to 10 years
90 Aligarh Zilla Sahakari Bank Ltd.
Co-operative Uttar Pradesh
 6.70% 5 to 10 years
91 Ballia District Central Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.70% Above 5 years to 10 years
92 Bassein Catholic Co-operative Bank Ltd.
Co-operative Maharashtra
 6.70% Greater than 36 up to 60 months
93 District Co-operative Bank Lakhimpur Kheri
Co-operative Uttar Pradesh
 6.70% Above 1825 days
94 District Co-operative Bank Ltd. Deoria
Co-operative Uttar Pradesh
 6.70% 5 to 10 years
95 District Co-operative Bank Siddharth Nagar
Co-operative Uttar Pradesh
 6.70% Above 1825 days
96 Dungarpur Central Co-operative Bank Ltd.
Co-operative Rajasthan
 6.70% 5 to 10 years
97 Hamirpur District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.70% 5 to 10 years
98 Hardoi District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.70% 5 to 10 years
99 Jilla Sahakari Kendriya Bank Maryadit, Sehore
Co-operative Madhya Pradesh
 6.70% 5 to 10 years
100 Meghalaya Co-operative Apex Bank
Co-operative Meghalaya
 6.70% 3 to 5 years
101 Tamil Nadu Grama Bank
Regional Rural Tamil Nadu
 6.70% 5 years and above
102 Tamilnad Mercantile Bank
Private Nationwide
 6.70% 3 years to 10 years
103 Zila Sahakari Bank Ltd. Basti
Co-operative Uttar Pradesh
 6.70% Above 5 to 10 years
104 Dombivli Nagari Sahakari Bank Ltd.
Co-operative Maharashtra
 6.65% Above 3 years to 5 years
105 IndusInd Bank
Private Nationwide
 6.65% Above 3 years up to below 61 months
106 Balasinor Nagarik Sahakari Bank Ltd.
Co-operative Gujarat
 6.60% 1098 days and above
107 Dhanlaxmi Bank
Private Andhra Pradesh +15 states
 6.60% Above 5 years upto & inclusive of 10 years
108 Etah District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.60% 5 to less than 10 years
109 Gadchiroli District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 6.60% Above 3 years
110 Khammam District Co-operative Central Bank Ltd.
Co-operative Telangana
 6.60% 5 to 7 years
111 Magadh District Central Co-operative Bank
Co-operative Bihar
 6.60% Above 5 years
112 Nagaland State Co-operative Bank
Co-operative Nagaland
 6.60% 3 to 5 years
113 Panchkula District Central Co-operative Bank
Co-operative Haryana
 6.60% Above 5 years
114 The Akola Janata Commercial Co-operative Bank Ltd.
Co-operative Maharashtra +1 state
 6.60% Above 2 years to 5 years
115 The Bharat Co-operative Bank (Mumbai) Ltd.
Co-operative Maharashtra
 6.60% Above 3 years to 5 years
116 City Union Bank
Private Nationwide
 6.55% Over 3 years upto 5 years
117 Karur Vysya Bank
Private Nationwide
 6.55% Above 3 years up to 5 years
118 Alavi Co-Operative Bank Ltd.
Co-operative Gujarat
 6.50% From 1 year to 5 year
119 Amanath Co-operative Bank Ltd.
Co-operative Karnataka
 6.50% Above 3 years & up to 5 years
120 Amreli Jilla Madhyasth Sahakari Bank Maryadit
Co-operative Gujarat
 6.50% 5 years to less than 8 years
121 Amreli Nagrik Sahakari Bank Ltd.
Co-operative Gujarat
 6.50% 5 years and Above
122 Amritsar Central Co-operative Bank Ltd.
Co-operative Punjab
 6.50% Above 5 years
123 Axis Bank
Private Nationwide
 6.50% 5 years to 10 years
124 Begusarai District Central Co-operative Bank Ltd.
Co-operative Bihar
 6.50% 5 to 10 years
125 Bharati Sahakari Bank Ltd.
Co-operative Maharashtra
 6.50% 5 years and above · Tax Saver (80C)
126 Bharatpur Central Co-operative Bank Ltd.
Co-operative Rajasthan
 6.50% 3 years and above
127 Broach District Central Co-operative Bank Ltd.
Co-operative Gujarat
 6.50% 1 year and above
128 Central Co-operative Bank Kota
Co-operative Rajasthan
 6.50% 5 to 10 years
129 CSB Bank
Private Nationwide
 6.50% Above 5 years to less than 7 years
130 District Central Co-operative Bank Ltd., Katihar
Co-operative Bihar
 6.50% 5 to 10 years
131 District Co-operative Bank Pilibhit
Co-operative Uttar Pradesh
 6.50% Above 5 years
132 District Co-operative Bank Rampur
Co-operative Uttar Pradesh
 6.50% Above 5 years
133 Faridabad Central Co-operative Bank Ltd.
Co-operative Haryana
 6.50% Above 5 years
134 ICICI Bank
Private Nationwide
 6.50% 3 years 1 day to 5 years
135 Jalaun District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.50% 5 to 10 years
136 Jharkhand Rajya Gramin Bank
Regional Rural Jharkhand
 6.50% 5 years to up to 10 years
137 Jilla Sahakari Kendriya Bank Maryadit, Raisen
Co-operative Madhya Pradesh
 6.50% 5 to 10 years
138 Jilla Sahakari Kendriya Bank Maryadit, Vidisha
Co-operative Madhya Pradesh
 6.50% Above 5 years
139 Kolhapur District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 6.50% 3 years and above
140 Puducherry Grama Bank
Regional Rural Puducherry
 6.50% 5 years and Above
141 Rajasthan Gramin Bank
Regional Rural Rajasthan
 6.50% 5 years and upto 10 years
142 Siwan District Central Co-operative Bank
Co-operative Bihar
 6.50% Above 5 years
143 South Canara District Central Co-operative Bank
Co-operative Karnataka
 6.50% Above 5 years
144 The Mehsana Urban Co-operative Bank Ltd.
Co-operative Gujarat
 6.50% Above 36 months to 60 months
145 Tripura Gramin Bank
Regional Rural Tripura
 6.50% 5 years and upto 10 years (TAX Saving Scheme) · Tax Saver (80C)
146 Uttarakhand State Co-operative Bank
Co-operative Uttarakhand
 6.50% Above 5 years to 10 years
147 Andhra Pradesh State Co-operative Bank
Co-operative Andhra Pradesh
 6.45% 2 years to 5 years
148 Daman & Diu State Co-operative Bank
Co-operative Dadra and Nagar Haveli and Daman and Diu
 6.45% 3 to 5 years
149 Mizoram Co-operative Apex Bank
Co-operative Mizoram
 6.45% 3 to less than 5 years
150 Andhra Pradesh Grameena Bank
Regional Rural Andhra Pradesh
 6.40% 2 years and above
151 Bihar Gramin Bank
Regional Rural Bihar
 6.40% >3 years to 5 years
152 Federal Bank
Private Nationwide
 6.40% Above 48 months to 10 years
153 HDFC Bank
Private Nationwide
 6.40% 4 year 7 months 1 day <=5 years
154 Karnataka Grameena Bank
Regional Rural Karnataka
 6.40% Above 3 years upto & inclusive 5 years
155 Kerala Gramin Bank
Regional Rural Kerala
 6.40% 5 years and above up to 10 years
156 Uttar Pradesh Gramin Bank
Regional Rural Uttar Pradesh
 6.40% 05 yrs to up to 10 yrs
157 Punjab National Bank
Public Sector Nationwide
 6.35% 1205 days to 5 years
158 The Ahmedabad Mercantile Co-operative Bank Ltd.
Co-operative Gujarat
 6.35% Over 3 years to 5 years
159 The Khamgaon Urban Co-operative Bank Ltd.
Co-operative Maharashtra
 6.35% Above 3 years up to 5 years
160 Bank of Baroda
Public Sector Nationwide
 6.30% Above 3 years and upto 5 years
161 Baroda District Central Co-operative Bank Ltd.
Co-operative Gujarat
 6.25% 5 to 10 years
162 Canara Bank
Public Sector Nationwide
 6.25% 5 years & above to 10 years
163 Chittoor District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 6.25% 5 years and above
164 Deutsche Bank India
Foreign Bank Delhi +8 states
 6.25% 5 yrs
165 District Central Co-operative Bank Ltd., Khagaria
Co-operative Bihar
 6.25% 5 to 10 years
166 District Co-operative Bank Ltd. Barabanki
Co-operative Uttar Pradesh
 6.25% 5 to 10 years
167 Haryana Gramin Bank
Regional Rural Haryana
 6.25% Over 3 years to 5 years
168 Howrah District Central Co-operative Bank Ltd.
Co-operative West Bengal
 6.25% 5 years and above
169 IDBI Bank
Private Nationwide
 6.25% 5 years
170 Jogindra Central Co-operative Bank Ltd.
Co-operative Himachal Pradesh
 6.25% 5 to 10 years
171 Kotak Mahindra Bank
Private Nationwide
 6.25% 5 years and above upto and inclusive of 10 years
172 Meghalaya Rural Bank
Regional Rural Meghalaya
 6.25% 5 years and upto 10 years
173 Mumbai District Central Co-operative Bank
Co-operative Maharashtra
 6.25% Above 5 years
174 Nagaland Rural Bank
Regional Rural Nagaland
 6.25% 5 years upto 10 years
175 Nawada District Central Co-operative Bank
Co-operative Bihar
 6.25% Above 5 years
176 Shivalik Small Finance Bank
Small Finance Delhi +9 states
 6.25% 60 months 1 day to 120 months
177 Shivamogga District Co-operative Central Bank
Co-operative Karnataka
 6.25% Above 5 years
178 Standard Chartered India
Foreign Bank Andhra Pradesh +17 states
 6.25% 5yrs
179 The Chandigarh State Co-operative Bank
Co-operative Chandigarh
 6.25% 3 years and above
180 The Kalupur Commercial Co-operative Bank Ltd.
Co-operative Gujarat +1 state
 6.25% More than 3 years - upto 5 years
181 The West Bengal State Co-operative Bank
Co-operative West Bengal
 6.25% 3 to 5 years
182 Bombay Mercantile Co-operative Bank Ltd.
Co-operative Maharashtra +1 state
 6.20% 5 years · Tax Saving Scheme
183 District Co-operative Bank Mirzapur
Co-operative Uttar Pradesh
 6.20% Above 5 years
184 Mizoram Rural Bank
Regional Rural Mizoram
 6.20% 5 years and upto 8 years
185 Uttar Pradesh State Co-operative Bank
Co-operative Uttar Pradesh
 6.20% 5 to 10 years
186 Abhyudaya Co-operative Bank Ltd.
Co-operative Maharashtra
 6.15% Above 36 months to 60 months
187 Himachal Pradesh Gramin Bank
Regional Rural Himachal Pradesh
 6.15% >3 year upto 5 year
188 Himachal Pradesh State Co-operative Bank
Co-operative Himachal Pradesh
 6.15% 5 years to 10 years
189 Karnataka Bank
Private Nationwide
 6.15% Above 3 years to 5 years
190 Patliputra District Central Co-operative Bank
Co-operative Bihar
 6.15% Above 5 years
191 Assam Co-operative Apex Bank
Co-operative Assam
 6.10% 5 years and above
192 Bathinda Central Co-operative Bank Ltd.
Co-operative Punjab
 6.10% 5 years and above
193 Citizen Credit Co-operative Bank Ltd.
Co-operative Maharashtra
 6.10% 3 years upto 5 years
194 Hooghly District Central Co-operative Bank Ltd.
Co-operative West Bengal
 6.10% 5 years and above
195 Indian Overseas Bank
Public Sector Nationwide
 6.10% 3 years and above
196 Maharashtra Gramin Bank
Regional Rural Maharashtra
 6.10% 5 years to 10 years
197 Arunachal Pradesh Rural Bank
Regional Rural Arunachal Pradesh
 6.05% >5 years to <8 years
198 State Bank of India
Public Sector Nationwide
 6.05% 5 years and up to 10 years
199 Uttarakhand Gramin Bank
Regional Rural Uttarakhand
 6.05% 5 years to 10 years
200 Vidyasagar Central Co-operative Bank
Co-operative West Bengal
 6.05% Above 5 years
201 Arunachal Pradesh State Co-operative Apex Bank
Co-operative Arunachal Pradesh
 6.00% 3 years to 5 years
202 Bahraich District Central Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 6.00% Over 1 year
203 Balageria Central Co-operative Bank Ltd.
Co-operative West Bengal
 6.00% Above 5 years
204 Bank of India
Public Sector Nationwide
 6.00% 5 years to less than 8 years
205 Banswara Central Co-operative Bank Ltd.
Co-operative Rajasthan
 6.00% 5 to 10 years
206 Central Bank of India
Public Sector Nationwide
 6.00% 5 years to 10 years
207 Central Co-operative Bank Pali
Co-operative Rajasthan
 6.00% Above 5 years
208 Chhattisgarh Gramin Bank
Regional Rural Chhattisgarh
 6.00% 5 years to less than 8 years
209 Gopalganj District Central Co-operative Bank Ltd.
Co-operative Bihar
 6.00% 5 to 10 years
210 Indian Bank
Public Sector Nationwide
 6.00% 5 year
211 Janata Sahakari Bank Ltd., Pune
Co-operative Maharashtra
 6.00% 5 years to upto 10 years
212 Madhya Pradesh Gramin Bank
Regional Rural Madhya Pradesh
 6.00% 5 years to 10 years
213 Mandya District Co-operative Central Bank
Co-operative Karnataka
 6.00% Above 3 years
214 Manipur Rural Bank
Regional Rural Manipur
 6.00% 5 years and above
215 Manipur State Co-operative Bank
Co-operative Manipur
 6.00% 3 years and above
216 Nagrik Sahakari Bank Ltd., Raipur
Co-operative Chhattisgarh
 6.00% 5 year to more than 5 year
217 Punjab Gramin Bank
Regional Rural Punjab
 6.00% > 3-5 years
218 The Bihar State Co-operative Bank
Co-operative Bihar
 6.00% 5 years to 10 years
219 UCO Bank
Public Sector Nationwide
 6.00% Above 3 years to 5 years
220 Union Bank of India
Public Sector Nationwide
 6.00% above 3 years to 10 years
221 West Bengal Gramin Bank
Regional Rural West Bengal
 6.00% 3 years 1 day to 5 years
222 Punjab & Sind Bank
Public Sector Nationwide
 5.95% 5 years
223 Burdwan District Central Co-operative Bank Ltd.
Co-operative West Bengal
 5.90% 5 to 10 years
224 Chitradurga District Co-operative Central Bank Ltd.
Co-operative Karnataka
 5.90% 2 years and above
225 Bandhan Bank
Private Nationwide
 5.85% 5 years to up to 10 years
226 Odisha Grameen Bank
Regional Rural Odisha
 5.85% 5 years to less than 8 years
227 Motihari District Central Co-operative Bank
Co-operative Bihar
 5.80% Above 3 years
228 ESAF Small Finance Bank
Small Finance Nationwide
 5.75% 5 years to 10 years
229 Janakalyan Sahakari Bank Ltd.
Co-operative Maharashtra
 5.75% More than 30 months to 60 months
230 Maharashtra State Co-operative Bank
Co-operative Maharashtra
 5.75% More than 3 years to below 10 years
231 Nainital Bank
Private Delhi +5 states
 5.75% Above 3 years to 5 years
232 Prakasam District Central Co-operative Bank
Co-operative Andhra Pradesh
 5.75% Above 5 years
233 Shikshak Sahakari Bank Ltd.
Co-operative Maharashtra
 5.75% Above 3 yrs to 10 yrs
234 South Indian Bank
Private Nationwide
 5.70% 5 years to less than 66 months
235 Puducherry State Co-operative Bank
Co-operative Puducherry
 5.65% 3 years and above
236 District Co-operative Bank Ltd., Kanpur
Co-operative Uttar Pradesh
 5.25% 3 years and above
237 Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd.
Co-operative Gujarat
 5.25% 5 year to 10 year
238 Sitamarhi District Central Co-operative Bank
Co-operative Bihar
 5.25% Above 5 years
239 Bank of Maharashtra
Public Sector Nationwide
 5.00% Above 3 years to 5 years
240 Gujarat State Co-operative Bank Ltd
Co-operative Gujarat
 5.00% Tax Saving FD (60 months)
241 Nagpur District Central Co-operative Bank
Co-operative Maharashtra
 5.00% Above 5 years

Best FD rate by tenure

Tap a tenure for the full ranking

6 months
7.50%
View all rates
1 year
8.25%
View all rates
2 years
9.00%
View all rates
3 years
8.25%
View all rates
5 years
8.25%
View all rates

Looking for the best 5 years fixed deposit rate? A 5 years FD locks your money for 5 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 5 years FD rate we track is 8.25% at Suryoday Small Finance 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 5 years FD rate in India right now?

As of 19 Oct 2026, Suryoday Small Finance Bank offers the highest 5 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 5 years fixed deposit rates?

Both private sector banks and small finance banks regularly offer competitive 5 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 5 years FDs?

Yes. Senior citizens (aged 60+) typically earn 0.25%–0.75% p.a. more than the general rate. For 5 years FDs, JSKB Dewas currently offers the highest senior citizen rate at 8.55% p.a. (as of 19 Oct 2026).

Is TDS deducted on 5 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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