Best FD Rates: If you want to earn good money by investing the money kept at home in bank FD, then here you can check the fixed deposit interest rates of all government, private and small finance banks.
Highest Interest Rates on Fixed Deposit: Investors’ money is safe in FD and it guarantees a return at a fixed rate for a fixed period. The market fluctuations do not affect the money kept in FD. If you want to invest money in 3-year FD, then this can be a good option for you. These days many banks are offering up to 9.5 percent annual return on 3-year FD. Here is a list of some banks which are offering good rates on 3-year FD.
Where is the highest return available
Many banks are offering better returns to their general customers and senior citizens on three-year FD. These banks include private to small finance banks. Let us know one by one about these major banks which are giving a chance to earn good money at fixed rates on FD.
3 year bank FD rate | ||
| Name of the Bank | Interest Rate for General Public (%) | Interest Rate for Senior Citizens (%) |
| Small Finance Bank | ||
| AU Small Finance Bank | 7.50 | 8 |
| Equitas Small Finance Bank | 8.00 | 8.5 |
| ESAF Small Finance Bank | 6.75 | 7.25 |
| Jana Small Finance Bank | 8.25 | 8.75 |
| Northeast Small Finance Bank | 9.00 | 9.5 |
| Suryoday Small Finance Bank | 8.60 | 9.1 |
| Ujjivan Small Finance Bank | 7.20 | 7.7 |
| Unity Small Finance Bank | 8.15 | 8.65 |
| Utkarsh Small Finance Bank | 8.50 | 9.1 |
| Private Bank | ||
| Axis Bank | 7.10 | 7.6 |
| Bandhan Bank | 7.25 | 7.75 |
| City Union Bank | 6.50 | 6.75 |
| CSB Bank | 5.75 | 6.25 |
| indian bank | 6.50 | 7 |
| DCB Bank | 7.55 | 8.05 |
| Federal Bank | 7.10 | 7.6 |
| HDFC Bank | 7.00 | 7.5 |
| ICICI Bank | 7.00 | 7.5 |
| IDFC First Bank | 6.80 | 7.3 |
| IndusInd Bank | 7.25 | 7.75 |
| Jammu & Kashmir Bank | 6.75 | 7.25 |
| Karur Vysya Bank | 7.00 | 7.4 |
| Karnataka Bank | 6.50 | 7 |
| Kotak Mahindra Bank | 7.00 | 7.6 |
| RBL Bank | 7.50 | 8 |
| SBI Bank | 7.30 | 7.8 |
| South Indian Bank | 6.70 | 7.2 |
| Tamilnad Mercantile Bank | 6.50 | 7 |
| Yes Bank | 7.25 | 8 |
| Government Bank | ||
| Bank Of Baroda | 7.15 | 7.65 |
| Bank of India | 6.50 | 7.25 |
| Maharashtra Bank | 6.50 | 7 |
| Canara Bank | 7.40 | 7.9 |
| Central Bank Of India | 7.00 | 7.5 |
| Indian Bank | 6.25 | 6.75 |
| Indian Overseas Bank | 6.50 | 7 |
| Punjab National Bank | 7.00 | 7.5 |
| Punjab & Sind Bank | 6.00 | 6.5 |
| State Bank Of India | 6.75 | 7.25 |
| Union Bank Of India | 6.70 | 7.2 |
( Note: This list has been prepared by Paisa Bazaar.com, which includes updates till 22 January 2025. Keep in mind that banks keep changing their rates from time to time, so before investing money in a bank FD, investors should confirm the exact information of rates from the concerned bank branch or its official website.)
The banks whose FD rates we have mentioned here are offering higher returns to their senior citizens on FDs of the same duration as compared to the general public. Generally, banks offer 0.50% more interest on senior citizen FDs as compared to their general customers.
