Fixed deposits (FDs) continue to be one of the most reliable investment options for those who prefer stability and guaranteed returns over market risk. For investors planning a 3-year FD, comparing interest rates across banks can help maximize returns.

 

Top Banks and Their 3-Year FD Interest Rates

As of October 31, 2025, several private and public sector banks are offering attractive interest rates on 3-year fixed deposits of up to ₹1 crore. Below is a comparison of the top rates available for resident, retail, and non-senior citizens.

1. IndusInd Bank

 

IndusInd Bank currently offers the highest rate of 6.65% on 3-year FDs. If you invest ₹1,00,000, your maturity amount will be approximately ₹1,19,950 after three years.

2. Axis Bank and ICICI Bank

Both Axis and ICICI Bank provide 6.6% interest for the same tenure. A ₹1 lakh investment in either bank will mature at around ₹1,19,800.

3. HDFC Bank and Kotak Mahindra Bank

These banks offer a 6.4% return on 3-year deposits. Your ₹1 lakh FD will grow to nearly ₹1,19,200 upon maturity.

4. Bank of Baroda and Union Bank of India

Both public sector lenders provide 6.4% interest, resulting in a maturity amount of ₹1,19,200 on a ₹1 lakh deposit.

5. State Bank of India (SBI)

SBI offers 6.3% interest on 3-year fixed deposits. The maturity amount on ₹1 lakh would be around ₹1,18,900.

6. Canara Bank and Punjab National Bank (PNB)

These banks offer 6.25% interest for the same tenure, giving a maturity value of ₹1,18,750 on ₹1 lakh.

Deposit Safety Assurance

All fixed deposits in India are insured up to ₹5 lakh per depositor under the Deposit Insurance and Credit Guarantee Corporation (DICGC) — a subsidiary of the Reserve Bank of India (RBI). This ensures your money remains safe even if the bank faces financial difficulties.

📊 Before investing, always compare interest rates and check the latest FD terms directly on your bank’s website or through financial marketplaces like Moneycontrol.

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