Top 5 Banks Promising Best Returns On 3-Year FDs To Regular & Senior Citizens
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RBL Bank
RBL Bank is giving an interest rate of 6.30 percent to the general public and 6.80 percent to senior citizens on deposits of less than Rs 2 crore maturing in three years. Here are the bank’s current interest rates on fixed deposits for a period of up to three years.
| Period of deposit | Interest Rates p.a. | Senior Citizen Interest Rates p.a. |
|---|---|---|
| 7 days to 14 days | 3.25% | 3.75% |
| 15 days to 45 days | 3.75% | 4.25% |
| 46 days to 90 days | 4.00% | 4.50% |
| 91 days to 180 days | 4.50% | 5.00% |
| 181 days to 240 days | 5.00% | 5.50% |
| 241 days to 364 days | 5.25% | 5.75% |
| 12 months to less than 24 months | 6.00% | 6.50% |
| 24 months to less than 36 months | 6.00% | 6.50% |
| 36 months to less than 60 months | 6.30% | 6.80% |
| Source: Bank Website. W.e.f. 1st September 2021 |
YES Bank
On deposits of less than Rs 2 crore maturing in three years, Yes Bank is offering a 6.25 percent interest rate to the general public and a 7.00 percent interest rate to elderly folks. The bank’s current interest rates on fixed deposits for up to three years are listed below.
| Period | Regular | Senior Citizens |
|---|---|---|
| 7 to 14 days | 3.25% | 3.75% |
| 15 to 45 days | 3.50% | 4.00% |
| 46 to 90 days | 4.00% | 4.50% |
| 3 months to | 4.50% | 5.00% |
| 6 months to | 5.00% | 5.50% |
| 9 months to | 5.25% | 5.75% |
| 1 Year to | 6.00% | 6.50% |
| 3 Years to | 6.25% | 7.00% |
| Source: Bank Website. W.e.f. 3rd November, 2021 |
IndusInd Bank
IndusInd Bank is granting a 6% interest rate to the general public, and a 6.50 percent interest rate to the elderly on their deposits of less than Rs 2 crore maturing in three years. The current interest rates on fixed deposits with the bank for up to three years are shown below.
| Tenure | Rate for Regular Citizens (% per annum) | Rate for Senior Citizens (% per annum) |
|---|---|---|
| 7 days to 14 days | 2.5 | 3 |
| 15 days to 30 days | 2.75 | 3.25 |
| 31 days to 45 days | 3 | 3.5 |
| 46 days to 60 days | 3.25 | 3.75 |
| 61 days to 90 days | 3.4 | 3.9 |
| 91 days to 120 days | 3.75 | 4.25 |
| 121 days to 180 days | 4.25 | 4.75 |
| 181 days to 210 days | 4.6 | 5.1 |
| 211 days to 269 days | 4.75 | 5.25 |
| 270 days to 354 days | 5.5 | 6 |
| 355 days to 364 days | 5.5 | 6 |
| 1 Year to below 1 Year 6 Months | 6 | 6.5 |
| 1 Year 6 Months to below 1 Year 7 Months | 6 | 6.5 |
| 1 Year 7 Months to below 2 Years | 6 | 6.5 |
| 2 years to below 2 years 6 Months | 6 | 6.5 |
| 2 years 6 Months to below 2 years 9 Months | 6 | 6.5 |
| 2 years 9 months upto 3 years | 6 | 6.5 |
| Above 3 years upto 61 months | 6 | 6.5 |
| Source: Bank Website. W.e.f. July 23rd, 2021 |
DCB Bank
On deposits of less than Rs 2 crore maturing in three years, DCB Bank is providing 5.95 percent to the general public and 6.45 percent to senior persons. The bank’s current interest rates on fixed deposits for up to three years are listed below.
| Tenure | Rate for Regular Citizens (% per annum) | Rate for Senior Citizens (% per annum) |
|---|---|---|
| 7 days to 14 days | 4.35% | 4.85% |
| 15 days to 45 days | 4.35% | 4.85% |
| 46 days to 90 days | 4.35% | 4.85% |
| 91 days to less than 6 months | 5.05% | 5.55% |
| 6 months to less than 12 months | 5.45% | 5.95% |
| 12 months | 5.55% | 6.05% |
| More than 12 months to less than 15 months | 5.30% | 5.80% |
| 15 months to less than 18 months | 5.50% | 6.00% |
| 18 months to less than 700 days | 5.50% | 6.00% |
| 700 days | 5.95% | 6.45% |
| More than 700 days to less than 36 months | 5.50% | 6.00% |
| 36 months | 5.95% | 6.45% |
| Source: Bank Website. W.e.f. 02nd November 2021 |
Bandhan Bank
Bandhan Bank is offering 5.50 percent to the general public and 6.25 percent to senior citizens on deposits of less than Rs 2 crore maturing in three years. The bank’s most recent fixed deposit interest rates for up to three years are mentioned below.
| Tenure | Rate for Regular Citizens (% per annum) | Rate for Senior Citizens (% per annum) |
|---|---|---|
| 7 days to 14 days | 3.00% | 3.75% |
| 15 days to 30 days | 3.00% | 3.75% |
| 31 days to Less than 2 months | 3.50% | 4.25% |
| 2 months to less than 3 months | 3.50% | 4.25% |
| 3 months to less than 6 months | 3.50% | 4.25% |
| 6 months to less than 1 year | 4.50% | 5.25% |
| 1 year to 18 months | 5.50% | 6.25% |
| Above 18 months to less than 2 years | 5.50% | 6.25% |
| 2 years to less than 3 years | 5.50% | 6.25% |
| Source: Bank Website. W.e.f. June 7, 2021 |
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