Best 3 years NRE FD rates · November 2026
The banks offering the highest NRE Fixed Deposit rate for a 3 years tenure, ranked.
Best 3 years NRE FD rates
Public & private sector banks · Dataset refreshed 14 Nov 2026
| # | Bank | Rate | Applies to |
|---|---|---|---|
| 1 | City Union Bank
Private  Nationwide |
7.30% | 556 days to 3 years |
| 2 | Bandhan Bank
Private Nationwide |
7.25% | 3 years to less than 5 years |
| 3 | IndusInd Bank
Private Nationwide |
7.25% | 2 years to 3 years |
| 4 | Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.
Co-op Maharashtra |
7.15% | 2 years 1 day to 3 years |
| 5 | IDFC First Bank
Private Nationwide |
7.10% | 2 years 1 day – 3 years |
| 6 | SBM Bank (India) Ltd.
Foreign Maharashtra |
7.10% | 734 days to 1096 days |
| 7 | Shamrao Vithal Co-operative Bank Ltd.
Co-op Maharashtra |
7.10% | Above 24 months to 60 months |
| 8 | DCB Bank
Private Nationwide |
7.00% | 35 months to less than 37 months |
| 9 | RBL Bank
Private Nationwide |
7.00% | 18 months to less than 60 months |
| 10 | Saraswat Co-operative Bank Ltd.
Co-op Maharashtra |
7.00% | 24 months 1 day up to 3 years |
| 11 | TJSB Sahakari Bank Ltd.
Co-op Maharashtra +6 states |
7.00% | Above 24 months to 36 months |
| 12 | Yes Bank
Private Nationwide |
7.00% | 36 months to < 60 months |
| 13 | Bassein Catholic Co-operative Bank Ltd.
Co-op Maharashtra |
6.90% | Above 18 months to 36 months |
| 14 | The Bharat Co-operative Bank (Mumbai) Ltd.
Co-op Maharashtra |
6.85% | Above 24 months upto 36 months |
| 15 | Emirates NBD Bank (P.J.S.C.) (India)
Foreign Maharashtra |
6.75% | 3 years to 5 years |
| 16 | Unity Small Finance Bank
Small Finance Nationwide |
6.75% | >34 months - 36 months |
| 17 | Bank of India
Public Nationwide |
6.70% | 3 years |
| 18 | GP Parsik Sahakari Bank Ltd.
Co-op Maharashtra +2 states |
6.70% | Above 18 months to 3 years |
| 19 | Tamilnad Mercantile Bank
Private Nationwide |
6.70% | 3 years to 10 years |
| 20 | The Udaipur Urban Co-operative Bank Ltd.
Co-op Rajasthan |
6.70% | above 18 months to 5 years |
| 21 | NKGSB Co-operative Bank Ltd.
Co-op Maharashtra |
6.65% | 25 months -36 months |
| 22 | The Cosmos Co-operative Bank Ltd.
Co-op Maharashtra |
6.65% | Above 24 months to 36 months |
| 23 | Axis Bank
Private Nationwide |
6.60% | 3 years < 5 years |
| 24 | Federal Bank
Private Nationwide |
6.60% | 3 years to 10 years |
| 25 | Abhyudaya Co-operative Bank Ltd.
Co-op Maharashtra |
6.55% | Above 24 months and upto & inclusive of 36 months |
| 26 | ICICI Bank
Private Nationwide |
6.55% | 2 years 1 day to 3 years |
| 27 | Karur Vysya Bank
Private Nationwide |
6.55% | Above 2 years up to 3 years |
| 28 | DBS Bank India
Foreign Andhra Pradesh +18 states |
6.50% | 3 years to less than 4 years |
| 29 | Dhanlaxmi Bank
Private Andhra Pradesh +15 states |
6.50% | Above 2 years upto & inclusive of 3 years |
| 30 | Rajasthan Gramin Bank
Rural Rajasthan |
6.50% | 3 years to less than 5 years |
| 31 | Standard Chartered India
Foreign Andhra Pradesh +17 states |
6.50% | 3 yrs < 4 yrs |
| 32 | Thane Bharat Sahakari Bank Ltd.
Co-op Maharashtra |
6.50% | Above 1 year to 3 years |
| 33 | The Ahmedabad Mercantile Co-operative Bank Ltd.
Co-op Gujarat |
6.50% | Over 2 years to 3 years |
| 34 | The Zoroastrian Co-operative Bank Ltd.
Co-op Maharashtra +1 state |
6.50% | Over 2 years upto 3 years |
| 35 | Kotak Mahindra Bank
Private Nationwide |
6.40% | 3 year - Less than 4 year |
| 36 | IDBI Bank
Private Nationwide |
6.35% | 3 years to < 5years |
| 37 | Punjab National Bank
Public Nationwide |
6.35% | >3 years to 1203 days |
| 38 | Bank of Baroda
Public Nationwide |
6.30% | Above 3 years and upto 5 years |
| 39 | State Bank of India
Public Nationwide |
6.30% | 3 years to less than 5 years |
| 40 | Bank of Bahrain & Kuwait B.S.C. (India)
Foreign Maharashtra +2 states |
6.25% | Above 2 year to 3 years |
| 41 | Canara Bank
Public Nationwide |
6.25% | 3 years to 10 years |
| 42 | Deutsche Bank India
Foreign Delhi +8 states |
6.25% | Above 2 years to 3 years |
| 43 | Doha Bank Q.P.S.C. (India)
Foreign Maharashtra +1 state |
6.25% | Above 2 years to 5 years |
| 44 | PT Bank Maybank Indonesia Tbk (India)
Foreign Maharashtra |
6.25% | Above 2 years |
| 45 | Punjab Gramin Bank
Rural Punjab |
6.25% | > 2-3 years |
| 46 | The Kalupur Commercial Co-operative Bank Ltd.
Co-op Gujarat +1 state |
6.25% | More than 2 years - upto 3 years |
| 47 | Bombay Mercantile Co-operative Bank Ltd.
Co-op Maharashtra +1 state |
6.20% | 3 years less than 5 years |
| 48 | South Indian Bank
Private Nationwide |
6.20% | 3 years to less than 5 years |
| 49 | Karnataka Bank
Private Nationwide |
6.15% | Above 2 years to 3 years |
| 50 | UCO Bank
Public Nationwide |
6.15% | Above 2 years – 3 years |
| 51 | Citizen Credit Co-operative Bank Ltd.
Co-op Maharashtra |
6.10% | 3 years upto 5 years |
| 52 | Indian Overseas Bank
Public Nationwide |
6.10% | 3 years and above |
| 53 | Union Bank of India
Public Nationwide |
6.10% | 998 days to 3 yrs |
| 54 | Indian Bank
Public Nationwide |
6.05% | 3 year to less than 5 year |
| 55 | Central Bank of India
Public Nationwide |
6.00% | 3 years to less than 5 years |
| 56 | Janata Sahakari Bank Ltd., Pune
Co-op Maharashtra |
6.00% | 3 years to less than 5 years |
| 57 | The Kalyan Janata Sahakari Bank Ltd.
Co-op Maharashtra |
6.00% | above 18 months to 36 months |
| 58 | Barclays Bank PLC (India)
Foreign Maharashtra |
5.89% | 3 years to less than 4 years |
| 59 | Punjab & Sind Bank
Public Nationwide |
5.85% | 3 years to less than 5 years |
| 60 | CSB Bank
Private Nationwide |
5.75% | Above 30 months to 120 months |
| 61 | Nilambur Co-operative Urban Bank Ltd.
Co-op Kerala |
5.50% | 36 months |
| 62 | HSBC India
Foreign Andhra Pradesh +13 states |
5.35% | 36 months to less than 37 months |
| 63 | Mizuho Bank, Ltd. (India)
Foreign Maharashtra |
5.30% | Above 2 years to 5 years |
| 64 | Bank of Maharashtra
Public Nationwide |
5.25% | Above 2 years to 3 years |
| 65 | Uttar Pradesh Gramin Bank
Rural Uttar Pradesh |
4.65% | 03 yrs to less than 5 yrs |
| 66 | Citibank N.A. (India)
Foreign Maharashtra |
1.75% | 732 days to 1095 days |
Best NRE FD rate by tenure
Tap a tenure for the full ranking
A 3 years NRE fixed deposit lets an NRI lock foreign earnings in rupees for 3 years with interest that is tax-free in India and fully repatriable. As of 14 Nov 2026, the highest 3 years NRE FD rate we track is 7.30% at City Union Bank.
Rates vary by bank, so compare before you book, and remember the rupee carries exchange-rate risk on conversion. All banks below are RBI-licensed with DICGC cover up to ₹5 lakh. The table is ranked best-first; to stay in foreign currency instead, see FCNR(B) rates.
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