Best 3 years RD rates · November 2026
The banks offering the highest recurring-deposit rate for a 3 years tenure, ranked.
Best 3 years RD rates
General public · below ₹3 crore · Dataset refreshed 14 Nov 2026
| # | Bank | Rate | Applies to |
|---|---|---|---|
| 1 | The A.P. Vardhaman (Mahila) Co-operative Urban Bank Ltd.
Co-op  Telangana |
8.50% | 3 years to 5 years |
| 2 | Mahabubnagar District Central Co-operative Bank
Co-op Telangana |
8.00% | 3 years and above (minimum 3 years) · Recurring Deposit Scheme (New) |
| 3 | Shri Shiveshwar Nagari Sahakari Bank Ltd.
Co-op Maharashtra |
8.00% | Above 12 months |
| 4 | Tamil Nadu Industrial Co-operative Bank
Co-op Tamil Nadu |
7.90% | 25 months to 36 months |
| 5 | Jana Small Finance Bank
Small Finance Nationwide |
7.77% | 36 months - 60 months |
| 6 | Sarvodaya Sahakari Bank Ltd.
Co-op Gujarat |
7.50% | 36 months |
| 7 | Slice Small Finance Bank
Small Finance Arunachal Pradesh +11 states |
7.50% | 2 years 1 day - 3 years |
| 8 | The Ankola Urban Co-operative Bank Ltd.
Co-op Karnataka |
7.50% | For 401 days to 3 years |
| 9 | Utkarsh Small Finance Bank
Small Finance Nationwide |
7.50% | 2 years to 3 years |
| 10 | City Union Bank
Private Nationwide |
7.30% | 556 days to 3 years |
| 11 | The Bhuj Mercantile Co-operative Bank Ltd.
Co-op Gujarat |
7.30% | From 366 days to 1825 days |
| 12 | Bandhan Bank
Private Nationwide |
7.25% | 3 years to less than 5 years |
| 13 | Central Co-operative Bank Sikar
Co-op Rajasthan |
7.25% | 3 years to less than 5 years |
| 14 | IndusInd Bank
Private Nationwide |
7.25% | 2 years to 3 years |
| 15 | Kumbhi Kasari Sahakari Bank Ltd.
Co-op Maharashtra |
7.25% | 2 years 1 day to 5 years |
| 16 | Suryoday Small Finance Bank
Small Finance Gujarat +5 states |
7.25% | Above 30 months to 3 years |
| 17 | Ujjivan Small Finance Bank
Small Finance Nationwide |
7.25% | 2 year 1 day - 3 year |
| 18 | Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.
Co-op Maharashtra |
7.15% | 36 months |
| 19 | Equitas Small Finance Bank
Small Finance Andhra Pradesh +17 states |
7.10% | 889 day to 3 years |
| 20 | IDFC First Bank
Private Nationwide |
7.10% | 2 years 1 day – 3 years |
| 21 | SBM Bank (India) Ltd.
Foreign Maharashtra |
7.10% | 25 months to 36 months |
| 22 | Assam Gramin Vikash Bank
Rural Assam |
7.00% | 3 years to less than equal to 5 years |
| 23 | AU Small Finance Bank
Small Finance Nationwide |
7.00% | 36 months 1 day to 45 months |
| 24 | Capital Small Finance Bank
Small Finance Chandigarh +7 states |
7.00% | 2 year to less than 5 years |
| 25 | DCB Bank
Private Nationwide |
7.00% | 35 months to less than 37 months |
| 26 | M. S. Co-operative Bank Ltd.
Co-op Gujarat |
7.00% | Above 2 years to 3 years |
| 27 | Mysore Zilla Mahila Sahakara Bank Niyamitha
Co-op Karnataka |
7.00% | 3 years |
| 28 | Rani Channamma Mahila Sahakari Bank Niyamit, Belagavi
Co-op Karnataka |
7.00% | 3 years and above |
| 29 | RBL Bank
Private Nationwide |
7.00% | 18 months to less than 60 months |
| 30 | Sree Bhyraveshwara Sahakara Bank Niyamitha, Tumakuru
Co-op Karnataka |
7.00% | 3 years |
| 31 | The Banaskantha Mercantile Co-operative Bank Ltd.
Co-op Gujarat |
7.00% | 12 months to 36 months |
| 32 | Yes Bank
Private Nationwide |
7.00% | 36 months to < 60 months |
| 33 | The Kasaragod Co-operative Town Bank Ltd.
Co-op Kerala |
6.90% | 36 months |
| 34 | Central Co-operative Bank Kota
Co-op Rajasthan |
6.75% | 1 year to 3 years |
| 35 | Madhya Pradesh Rajya Sahakari Bank Maryadit
Co-op Madhya Pradesh |
6.75% | 3 years to less than 5 years |
| 36 | Meghalaya Rural Bank
Rural Meghalaya |
6.75% | 3 years and less than 5 years |
| 37 | Padmavathi Co-operative Urban Bank Ltd.
Co-op Telangana |
6.75% | above 2 years to 3 years |
| 38 | The Anand Mercantile Co-operative Bank Ltd.
Co-op Gujarat |
6.75% | 12 months and above up to 36 months |
| 39 | The Kokan Mercantile Co-operative Bank Ltd.
Co-op Maharashtra |
6.75% | 3 years to less than 5 years |
| 40 | Bank of India
Public Nationwide |
6.70% | 3 years |
| 41 | Jammu & Kashmir Bank
Private Nationwide |
6.70% | 3 years to less than 5 years |
| 42 | Jammu and Kashmir Grameen Bank
Rural Jammu and Kashmir |
6.70% | 3 years to less than 5 years |
| 43 | Tamil Nadu Grama Bank
Rural Tamil Nadu |
6.70% | 3 years to less than 5 years |
| 44 | Tamilnad Mercantile Bank
Private Nationwide |
6.70% | 3 years to 10 years |
| 45 | Andhra Pradesh Grameena Bank
Rural Andhra Pradesh |
6.65% | 2 years and above |
| 46 | Axis Bank
Private Nationwide |
6.60% | 3 years < 5 years |
| 47 | Federal Bank
Private Nationwide |
6.60% | 3 years to 10 years |
| 48 | Panchmahals District Central Co-operative Bank
Co-op Gujarat |
6.60% | Above 24 months |
| 49 | Bihar Gramin Bank
Rural Bihar |
6.55% | >2 years to 3 years |
| 50 | HDFC Bank
Private Nationwide |
6.55% | 2 years 11 months 1 day <= 3 year |
| 51 | ICICI Bank
Private Nationwide |
6.55% | 2 years 1 day to 3 years |
| 52 | Karur Vysya Bank
Private Nationwide |
6.55% | Above 2 years up to 3 years |
| 53 | Ajmer Central Co-operative Bank Ltd.
Co-op Rajasthan |
6.50% | 3 years to less than 5 years |
| 54 | Dhanlaxmi Bank
Private Andhra Pradesh +15 states |
6.50% | Above 2 years upto & inclusive of 3 years |
| 55 | Jharkhand Rajya Gramin Bank
Rural Jharkhand |
6.50% | 3 years to less than 5 years |
| 56 | Karnataka Grameena Bank
Rural Karnataka |
6.50% | Above 2 years upto & inclusive 3 years |
| 57 | Puducherry Grama Bank
Rural Puducherry |
6.50% | 3 years to less than 5 years |
| 58 | Rajasthan Gramin Bank
Rural Rajasthan |
6.50% | 3 years to less than 5 years |
| 59 | Standard Chartered India
Foreign Andhra Pradesh +17 states |
6.50% | 3 yrs < 4 yrs |
| 60 | Telangana Grameena Bank
Rural Telangana |
6.50% | 3 years to less than 5 years |
| 61 | Thane Bharat Sahakari Bank Ltd.
Co-op Maharashtra |
6.50% | Above 1 year to 3 years |
| 62 | The Kapdawanj People's Co-Op. Bank Ltd.
Co-op Gujarat |
6.50% | 12 months to 60 months |
| 63 | Gujarat Gramin Bank
Rural Gujarat |
6.45% | Above 2 years and up to 3 years |
| 64 | Kerala Gramin Bank
Rural Kerala |
6.45% | Above 2 years to including 3 years |
| 65 | Assam Co-operative Apex Bank
Co-op Assam |
6.40% | 3 years to less than 5 years |
| 66 | Himachal Pradesh Gramin Bank
Rural Himachal Pradesh |
6.40% | >2 year to 3 year |
| 67 | Kotak Mahindra Bank
Private Nationwide |
6.40% | 3 years and above but less than 4 years |
| 68 | Mizoram Rural Bank
Rural Mizoram |
6.40% | 3 years to less than 5 years |
| 69 | IDBI Bank
Private Nationwide |
6.35% | 3 years to <5 years |
| 70 | The Khamgaon Urban Co-operative Bank Ltd.
Co-op Maharashtra |
6.35% | 3 years only |
| 71 | Arunachal Pradesh Rural Bank
Rural Arunachal Pradesh |
6.30% | >3 years to <5 years |
| 72 | Bank of Baroda
Public Nationwide |
6.30% | Above 3 years and upto 5 years |
| 73 | Madhya Pradesh Gramin Bank
Rural Madhya Pradesh |
6.30% | 3 years to less than 5 years |
| 74 | Punjab National Bank
Public Nationwide |
6.30% | above 2 to 3 years |
| 75 | State Bank of India
Public Nationwide |
6.30% | 3 years to less than 5 years |
| 76 | Uttarakhand Gramin Bank
Rural Uttarakhand |
6.30% | 3 years to less than 5 years |
| 77 | Bank of Bahrain & Kuwait B.S.C. (India)
Foreign Maharashtra +2 states |
6.25% | Above 2 year to 3 years |
| 78 | Canara Bank
Public Nationwide |
6.25% | 3 years & above to less than 5 years |
| 79 | CSB Bank
Private Nationwide |
6.25% | Above 750 days to 5 years |
| 80 | Deutsche Bank India
Foreign Delhi +8 states |
6.25% | > 2 yrs - 3 yrs |
| 81 | Haryana Gramin Bank
Rural Haryana |
6.25% | Over 2 years to 3 years |
| 82 | Shivalik Small Finance Bank
Small Finance Delhi +9 states |
6.25% | 36 months 1 day to 60 months |
| 83 | The Kalupur Commercial Co-operative Bank Ltd.
Co-op Gujarat +1 state |
6.25% | More than 2 years - upto 3 years |
| 84 | West Bengal Gramin Bank
Rural West Bengal |
6.25% | 2 years 1 day to 3 years |
| 85 | Nagaland Rural Bank
Rural Nagaland |
6.20% | 3 years to less than 5 years |
| 86 | Karnataka Bank
Private Nationwide |
6.15% | Above 2 years to 3 years |
| 87 | Indian Overseas Bank
Public Nationwide |
6.10% | 3 years and above |
| 88 | Maharashtra Gramin Bank
Rural Maharashtra |
6.10% | 3 years to less than 5 years |
| 89 | Union Bank of India
Public Nationwide |
6.10% | 998 to 3 years |
| 90 | Indian Bank
Public Nationwide |
6.05% | 3 years to less than 5 years |
| 91 | Central Bank of India
Public Nationwide |
6.00% | 3 years to less than 5 years |
| 92 | Chhattisgarh Gramin Bank
Rural Chhattisgarh |
6.00% | 3 years to less than 5 years |
| 93 | ESAF Small Finance Bank
Small Finance Nationwide |
6.00% | 3 years to less than 5 years |
| 94 | Janata Sahakari Bank Ltd., Pune
Co-op Maharashtra |
6.00% | 3 years to less than 5 years |
| 95 | Manipur Rural Bank
Rural Manipur |
6.00% | 3 years to less than 5 years |
| 96 | UCO Bank
Public Nationwide |
6.00% | 1001 to 3 years |
| 97 | Odisha Grameen Bank
Rural Odisha |
5.95% | 3 years to less than 5 years |
| 98 | Bharati Sahakari Bank Ltd.
Co-op Maharashtra |
5.90% | 12 months and above |
| 99 | Nagrik Sahakari Bank Ltd., Raipur
Co-op Chhattisgarh |
5.90% | 3 to 5 year |
| 100 | Punjab & Sind Bank
Public Nationwide |
5.85% | 3 years to less than 44 months |
| 101 | The Meghraj Nagarik Sahakari Bank Ltd.
Co-op Gujarat |
5.75% | 36 months |
| 102 | HSBC India
Foreign Andhra Pradesh +13 states |
5.35% | 36 months to less than 37 months |
| 103 | Bank of Maharashtra
Public Nationwide |
5.25% | Above 2 years to 3 years |
| 104 | Sarvodaya Nagarik Sahakari Bank Ltd.
Co-op Gujarat |
5.25% | 36 months |
Best rate by tenure
Tap a tenure for the full ranking
A 3 years recurring deposit lets you set aside a fixed amount each month for 3 years at a rate locked in when you open it, a simple way to build toward a goal without a lump sum. As of 14 Nov 2026, the highest 3 years RD rate we track is 8.50% at The A.P. Vardhaman (Mahila) Co-operative Urban Bank Ltd..
RD rates for this tenure usually mirror the bank's 3 years FD rate, and all banks below are RBI-licensed with DICGC cover up to ₹5 lakh. The table is ranked best-first; if you have a lump sum instead, compare 3 years FD rates.
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