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Top Fixed Deposit Rates: These bank FDs will earn you up to 9% return for 3-year deposits – check list

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Top Fixed Deposit Rates: These bank FDs will earn you up to 9% return for 3-year deposits - check list
It’s important to note that deposits in small finance banks come with DICGC insurance protection of up to Rs 5 lakh. (AI image)

Top Bank FD rates: Although interest rates have generally peaked, several banks continue to provide attractive fixed deposit rates for retail customers depositing less than Rs 3 crore. Senior citizens receive preferential rates, typically 0.25% to 0.50% higher than standard rates.
Below are the banks offering competitive interest rates on three-year fixed deposits for individuals under 60 years, with deposits below Rs 3 crore. The list below, prepared by ET, is for small finance banks.
It’s important to note that deposits in small finance banks come with DICGC insurance protection of up to Rs 5 lakh, yet financial experts recommend a prudent approach whilst investing in their fixed deposits. The distinctive operational structure of these banks means that their FD investments carry different risk factors compared to traditional scheduled commercial banks.
To safeguard against possible uncertainties, investors would be well-advised to restrict their small finance bank FD investments within the DICGC insurance limit, says the ET report. This strategy ensures comprehensive protection of both the invested capital and earned interest should any unexpected situations arise.

Top FD Rates For 3 Year Fixed Deposits

Bank Name Interest Rate
NorthEast Small Finance Bank 9%
Suryoday Small Finance Bank 8.60%
Utkarsh Small Finance Bank 8.50%
Jana Small Finance Bank 8.25%
Unity Small Finance Bank 8.15%
Equitas Small Finance Bank 8%
Source: ET quoting Paisabazaar.com as of November 20,2024

  • North East Small Finance Bank leads with a 9% interest rate on three-year FDs for general citizens.
  • Suryoday Small Finance Bank provides an 8.6% interest rate for general citizens on three-year FD tenure.
  • For three-year FD maturity, Utkarsh Small Finance Bank offers general citizens an 8.5% interest rate.
  • Jana Small Finance Bank maintains an 8.25% interest rate for fixed deposits with a three-year tenure.
  • Unity Small Finance Bank provides an 8.15% interest rate on their three-year fixed deposits.
  • Equitas Small Finance Bank offers general citizens an 8% interest rate on three-year FD investments.



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