India · 3-year FD
Best 3-year FD rates,
today.
The highest 3-year retail rate today is 8.50%, offered by Muthoot Capital Services. We track 39 banks at this tenor, refreshed daily.
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3 years · 1095d
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Top 3 today
Who picks a 3-year FD
Crosses into long-term territory. Many banks price 3-year FDs at their highest retail rate.
Category leaders
Best 3-year rate in each bank category.
PSU
State Bank of IndiaPvt
IDFC First BankSFB
Utkarsh Small Finance BankNBFC
Muthoot Capital ServicesHFC
Manipal Housing FinanceForeign
SBM BankSystem-wide average at 3-year: 6.86%.
Full ranking
All 39 banks at 3-year.
39 banks
- 01Muthoot Capital ServicesNBFC8.50%8.50%
- 02Manipal Housing FinanceHousing Finance Company8.00%8.00%
- 03SBM BankForeign Bank7.65%7.65%
- 04Utkarsh Small Finance BankSmall Finance Bank7.50%7.50%
- 05
Shivalik Small Finance BankSmall Finance Bank7.50%7.50% - 06
Slice Small Finance BankSmall Finance Bank7.50%7.50% - 07
AU Small Finance BankSmall Finance Bank7.40%7.40% - 08
Ujjivan Small Finance BankSmall Finance Bank7.25%7.25% - 09
Suryoday Small Finance BankSmall Finance Bank7.25%7.25% - 10
Shriram FinanceNBFC7.25%7.25% - 11
Sundaram FinanceNBFC7.25%7.25% - 12IDFC First BankPrivate Bank7.25%7.25%
- 13
RBL BankPrivate Bank7.20%7.20% - 14
PNB Housing FinanceHousing Finance Company7.10%7.10% - 15
ICICI Home FinanceHousing Finance Company7.10%7.10% - 16
Equitas Small Finance BankSmall Finance Bank7.10%7.10% - 17
YES BankPrivate Bank7.00%7.00% - 18
IndusInd BankPrivate Bank7.00%7.00% - 19KKTDFCNBFC7.00%7.00%
- 20
Sundaram Home FinanceHousing Finance Company7.00%7.00% - 21
Mahindra FinanceNBFC7.00%7.00% - 22
DCB BankPrivate Bank7.00%7.00% - 23
LIC Housing FinanceHousing Finance Company6.85%6.85% - 24
Unity Small Finance BankSmall Finance Bank6.75%6.75% - 25
Axis BankPrivate Bank6.50%6.50% - 26
HDFC BankPrivate Bank6.45%6.45% - 27
ICICI BankPrivate Bank6.45%6.45% - 28
Federal BankPrivate Bank6.40%6.40% - 29
Kotak Mahindra BankPrivate Bank6.40%6.40% - 30State Bank of IndiaPublic Sector Bank6.30%6.30%
- 31
Punjab National BankPublic Sector Bank6.30%6.30% - 32
Bank of BarodaPublic Sector Bank6.30%6.30% - 33
Canara BankPublic Sector Bank6.25%6.25% - 34
Bank of IndiaPublic Sector Bank6.25%6.25% - 35
Union Bank of IndiaPublic Sector Bank6.10%6.10% - 36
Indian BankPublic Sector Bank6.05%6.05% - 37
ESAF Small Finance BankSmall Finance Bank6.00%6.00% - 38
Central Bank of IndiaPublic Sector Bank6.00%6.00% - 39
Bank of MaharashtraPublic Sector Bank5.25%5.25%
Deposit ladder
What different amounts earn over 3-year
At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 8.50%; deposits at or above it use the bulk card at 8.50%.
| Deposit | Interest | Maturity value | Card |
|---|---|---|---|
| ₹50,000₹50,000 | ₹14,351 | ₹64,351 | retail · 8.50% |
| ₹1,00,0001 lakh | ₹28,702 | ₹1,28,702 | retail · 8.50% |
| ₹2,00,0002 lakh | ₹57,404 | ₹2,57,404 | retail · 8.50% |
| ₹5,00,0005 lakh | ₹1,43,509 | ₹6,43,509 | retail · 8.50% |
| ₹10,00,00010 lakh | ₹2,87,019 | ₹12,87,019 | retail · 8.50% |
| ₹20,00,00020 lakh | ₹5,74,037 | ₹25,74,037 | retail · 8.50% |
| ₹50,00,00050 lakh | ₹14,35,093 | ₹64,35,093 | retail · 8.50% |
| ₹1,00,00,0001 crore | ₹28,70,186 | ₹1,28,70,186 | retail · 8.50% |
| ₹2,50,00,0002.5 crore | ₹71,75,466 | ₹3,21,75,466 | retail · 8.50% |
| ₹5,00,00,0005 crore | ₹1,43,50,932 | ₹6,43,50,932 | bulk · 8.50% |
| ₹10,00,00,00010 crore | ₹2,87,01,863 | ₹12,87,01,863 | bulk · 8.50% |
Compounded quarterly, pre-tax. Deposits at or above ₹3 crore are quoted off a separate bulk rate card, see bulk-deposit rates →
Common questions
About 3-year FDs.
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