The banks offering the highest recurring-deposit rate for a 3 years tenure, ranked.
General public · below ₹3 crore · Dataset refreshed 30 Sept 2026
| # | Bank | Rate | Applies to |
|---|---|---|---|
| 1 | Jana Small Finance Bank
Jana |
7.77% | 36 Months - 60 Months |
| 2 | Slice Small Finance Bank
Slice |
7.50% | 2 years 1 day - 3 years |
| 3 | Utkarsh Small Finance Bank
Utkarsh |
7.50% | 2 Years to 3 Years |
| 4 | Bandhan Bank
Bandhan |
7.25% | 3 years to less than 5 years |
| 5 | Suryoday Small Finance Bank
Suryoday |
7.25% | Above 30 Months to 3 Years |
| 6 | Ujjivan Small Finance Bank
Ujjivan |
7.25% | 2 Year 1 day - 3 Year |
| 7 | Equitas Small Finance Bank
Equitas |
7.10% | 889 day to 3 years |
| 8 | IDFC First Bank
IDFC First |
7.10% | 500 days – 3 years |
| 9 | RBL Bank
RBL |
7.05% | 36 months 1 day to less than 60 months |
| 10 | Assam Gramin Vikash Bank
AGVB |
7.00% | 3 years to less than equal to 5 years |
| 11 | AU Small Finance Bank
AU |
7.00% | 36 Months 1 Day to 45 Months |
| 12 | Capital Small Finance Bank
Capital |
7.00% | 1 Year to less than 5 Years |
| 13 | DCB Bank
DCB |
7.00% | 35 months to less than 37 months |
| 14 | Gujarat Gramin Bank
GGB |
7.00% | Above 2 years and up to 3 years |
| 15 | IndusInd Bank
IndusInd |
7.00% | 2 Years to 3 Years |
| 16 | Yes Bank
Yes |
7.00% | 36 months to < 60 months |
| 17 | Meghalaya Rural Bank
MegRB |
6.75% | 3 years and less than 5 years |
| 18 | Bank of India
BoI |
6.70% | 3 Years |
| 19 | Jammu and Kashmir Grameen Bank
JKGB |
6.70% | 3 years to less than 5 years |
| 20 | Tamil Nadu Grama Bank
TNGB |
6.70% | 3 years to less than 5 years |
| 21 | Tamilnad Mercantile Bank
TMB |
6.70% | 3 years to 10 years |
| 22 | City Union Bank
City Union |
6.55% | Over 3 Years upto 5 Years |
| 23 | Karur Vysya Bank
KVB |
6.55% | Above 2 years up to 3 years |
| 24 | Axis Bank
Axis |
6.50% | 3 years < 5 years |
| 25 | Bihar Gramin Bank
BGB |
6.50% | >2 years to 3 years |
| 26 | Dhanlaxmi Bank
Dhanlaxmi |
6.50% | Above 2 years upto & inclusive of 3 years |
| 27 | Federal Bank
Federal |
6.50% | Above 24 months to less than 48 months |
| 28 | Indian Overseas Bank
IOB |
6.50% | 3 years to < 5 years |
| 29 | Jharkhand Rajya Gramin Bank
JRGB |
6.50% | 3 years to less than 5 years |
| 30 | Karnataka Grameena Bank
KGB |
6.50% | Above 2 years upto & inclusive 3 years |
| 31 | Nagaland Rural Bank
NagRB |
6.50% | 3 years to less than 5 years |
| 32 | Puducherry Grama Bank
PuduGB |
6.50% | 3 years to less than 5 years |
| 33 | Rajasthan Gramin Bank
RGB |
6.50% | 3 Years to Less than 5 Years |
| 34 | Standard Chartered India
StanChart |
6.50% | 3 Yrs < 4 Yrs |
| 35 | Telangana Grameena Bank
TGB |
6.50% | 3 years to less than 5 years |
| 36 | HDFC Bank
HDFC |
6.45% | 2 Years 11 Months 1 day <= 3 Year |
| 37 | ICICI Bank
ICICI |
6.45% | 2 Years 1 Day to 3 Years |
| 38 | Kerala Gramin Bank
KerGB |
6.45% | Above 2 years to including 3 Years |
| 39 | Andhra Pradesh Grameena Bank
APGB |
6.40% | 2 years and above |
| 40 | Assam Co-operative Apex Bank
ACAB |
6.40% | 3 years to less than 5 years |
| 41 | Kotak Mahindra Bank
Kotak |
6.40% | 3 years and above but less than 4 years |
| 42 | Mizoram Rural Bank
MizRB |
6.40% | 3 years to less than 5 years |
| 43 | IDBI Bank
IDBI |
6.35% | 3 years to <5 years |
| 44 | Arunachal Pradesh Rural Bank
APRB |
6.30% | >3 years to <5 years |
| 45 | Bank of Baroda
BoB |
6.30% | Above 3 Years and upto 5 Years |
| 46 | Himachal Pradesh Gramin Bank
HPGB |
6.30% | >2 year to 3 year |
| 47 | Madhya Pradesh Gramin Bank
MPGB |
6.30% | 3 years to less than 5 years |
| 48 | Punjab National Bank
PNB |
6.30% | above 2 to 3 years |
| 49 | State Bank of India
SBI |
6.30% | 3 years to less than 5 years |
| 50 | Uttarakhand Gramin Bank
UKGB |
6.30% | 3 years to less than 5 years |
| 51 | Canara Bank
Canara |
6.25% | 556 days to 10 years |
| 52 | CSB Bank
CSB |
6.25% | Above 750 days to 5 years |
| 53 | Deutsche Bank India
Deutsche |
6.25% | > 2 Yrs - 3 Yrs |
| 54 | Haryana Gramin Bank
HGB |
6.25% | Over 2 years to 3 years |
| 55 | Shivalik Small Finance Bank
Shivalik |
6.25% | 36 months 1 day to 60 months |
| 56 | West Bengal Gramin Bank
WBGB |
6.25% | 2 years 1 day to 3 years |
| 57 | South Indian Bank
South Indian |
6.20% | 3 years to < 5 years |
| 58 | Karnataka Bank
Karnataka |
6.15% | Above 2 years to 3 years |
| 59 | Maharashtra Gramin Bank
MahaGB |
6.10% | 3 Years to Less Than 5 Years |
| 60 | Union Bank of India
Union |
6.10% | 998 days to 3 years |
| 61 | Indian Bank
Indian |
6.05% | 3 years to less than 5 years |
| 62 | Central Bank of India
Central |
6.00% | 3 years to less than 5 years |
| 63 | Chhattisgarh Gramin Bank
CGB |
6.00% | 3 years to less than 5 years |
| 64 | ESAF Small Finance Bank
ESAF |
6.00% | 3 years to less than 5 years |
| 65 | Manipur Rural Bank
ManRB |
6.00% | 3 years to less than 5 years |
| 66 | UCO Bank
UCO |
6.00% | 1001 days to 3 years |
| 67 | Odisha Grameen Bank
OGB |
5.95% | 3 years to less than 5 years |
| 68 | Punjab & Sind Bank
P&S |
5.85% | 3 years to 43 months |
| 69 | HSBC India
HSBC |
5.35% | 36 months to less than 37 months |
| 70 | Bank of Maharashtra
Maharashtra |
5.25% | Above 2 years to 3 years |
Rates are compiled across India's banks and refreshed daily; 89 banks are scraped directly from their official sites, the rest from aggregated sources. Bank deposits are DICGC-insured up to ₹5 lakh; Post Office savings schemes carry a sovereign guarantee (Government of India). Verify on the bank's site before investing.
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