India · 5-year FD
Best 5-year FD rates,
today.
The highest 5-year retail rate today is 8.50%, offered by Muthoot Capital Services. We track 37 banks at this tenor, refreshed daily.
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5 years · 1825d
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Top 3 today
Who picks a 5-year FD
Tax-saver FDs run on this tenor. Rates here are typically near the top of the curve.
Category leaders
Best 5-year rate in each bank category.
PSU
Bank of BarodaPvt
DCB BankSFB
Suryoday Small Finance BankNBFC
Muthoot Capital ServicesHFC
Manipal Housing FinanceForeign
SBM BankSystem-wide average at 5-year: 6.66%.
Full ranking
All 37 banks at 5-year.
37 banks
- 01Muthoot Capital ServicesNBFC8.50%8.50%
- 02Manipal Housing FinanceHousing Finance Company7.50%7.50%
- 03DCB BankPrivate Bank7.50%7.50%
- 04Suryoday Small Finance BankSmall Finance Bank7.25%7.25%
- 05
Shriram FinanceNBFC7.25%7.25% - 06
PNB Housing FinanceHousing Finance Company7.25%7.25% - 07
Ujjivan Small Finance BankSmall Finance Bank7.20%7.20% - 08
Sundaram Home FinanceHousing Finance Company7.15%7.15% - 09
Utkarsh Small Finance BankSmall Finance Bank7.00%7.00% - 10
Mahindra FinanceNBFC7.00%7.00% - 11SBM BankForeign Bank7.00%7.00%
- 12
Slice Small Finance BankSmall Finance Bank7.00%7.00% - 13
Equitas Small Finance BankSmall Finance Bank7.00%7.00% - 14
LIC Housing FinanceHousing Finance Company6.90%6.90% - 15
YES BankPrivate Bank6.75%6.75% - 16
AU Small Finance BankSmall Finance Bank6.75%6.75% - 17KKTDFCNBFC6.75%6.75%
- 18
Unity Small Finance BankSmall Finance Bank6.75%6.75% - 19
IDFC First BankPrivate Bank6.75%6.75% - 20
RBL BankPrivate Bank6.70%6.70% - 21
IndusInd BankPrivate Bank6.65%6.65% - 22
Axis BankPrivate Bank6.50%6.50% - 23
ICICI BankPrivate Bank6.50%6.50% - 24
HDFC BankPrivate Bank6.40%6.40% - 25
Federal BankPrivate Bank6.40%6.40% - 26Bank of BarodaPublic Sector Bank6.30%6.30%
- 27
Canara BankPublic Sector Bank6.25%6.25% - 28
Shivalik Small Finance BankSmall Finance Bank6.25%6.25% - 29
Kotak Mahindra BankPrivate Bank6.25%6.25% - 30
Punjab National BankPublic Sector Bank6.10%6.10% - 31
State Bank of IndiaPublic Sector Bank6.05%6.05% - 32
Indian BankPublic Sector Bank6.00%6.00% - 33
Bank of IndiaPublic Sector Bank6.00%6.00% - 34
Central Bank of IndiaPublic Sector Bank6.00%6.00% - 35
Union Bank of IndiaPublic Sector Bank6.00%6.00% - 36
ESAF Small Finance BankSmall Finance Bank5.75%5.75% - 37
Bank of MaharashtraPublic Sector Bank5.00%5.00%
Deposit ladder
What different amounts earn over 5-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 | ₹26,140 | ₹76,140 | retail · 8.50% |
| ₹1,00,0001 lakh | ₹52,279 | ₹1,52,279 | retail · 8.50% |
| ₹2,00,0002 lakh | ₹1,04,559 | ₹3,04,559 | retail · 8.50% |
| ₹5,00,0005 lakh | ₹2,61,397 | ₹7,61,397 | retail · 8.50% |
| ₹10,00,00010 lakh | ₹5,22,795 | ₹15,22,795 | retail · 8.50% |
| ₹20,00,00020 lakh | ₹10,45,590 | ₹30,45,590 | retail · 8.50% |
| ₹50,00,00050 lakh | ₹26,13,974 | ₹76,13,974 | retail · 8.50% |
| ₹1,00,00,0001 crore | ₹52,27,948 | ₹1,52,27,948 | retail · 8.50% |
| ₹2,50,00,0002.5 crore | ₹1,30,69,870 | ₹3,80,69,870 | retail · 8.50% |
| ₹5,00,00,0005 crore | ₹2,61,39,741 | ₹7,61,39,741 | bulk · 8.50% |
| ₹10,00,00,00010 crore | ₹5,22,79,482 | ₹15,22,79,482 | 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 5-year FDs.
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