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Savings accounts, liquid funds, short-term funds, fixed deposits, fixed maturity plans, treasury bills, post office time deposit account, direct equity, recurring deposits, arbitrage funds, and so on are the most favored alternatives for short-term financial objectives of 3 years or longer. To achieve the highest results, we recommend that investors and our readers stay invested in short-term instruments for 3 to 5 years; as a consequence, we have not considered the liquidity aspect here. However, we have considered here assured returns, deposit safety up to Rs 5 lakhs offered by DICGC, additional returns to senior citizens, and picked up fixed deposit instruments for investors with risk-free appetite. As a result, here we have compiled the top 10 banks that are now offering the best interest rates on fixed deposits (below Rs 2 Cr) of 3 to 5 years to both regular and senior citizens.
Top 10 Small Finance Banks Offering Good Returns On 3 To 5 Year Fixed Deposits
For opening a fixed deposit account for 3 to 5 years, here are the top 10 small finance banks offering the best returns to both regular and senior citizens.
| Sr No. | Banks | Regular FD Rates | Senior Citizen FD Rates | Tenure | W.e.f. |
|---|---|---|---|---|---|
| 1 | North East Small Finance Bank | 7.25% | 7.75% | 3 years to 5 years | April 19, 2021 |
| 2 | Ujjivan Small Finance Bank | 6.75% | 7.25% | 3 Years and 1 Day to 5 Years | March 5, 2021 |
| 3 | Jana Small Finance Bank | 6.75% | 7.25% | 3 Years to less than 5 Years | 07.05.2021 |
| 4 | Suryoday Small Finance Bank | 6.75% | 6.75% | Above 3 Years to less than 5 Years | June 21, 2021 |
| 5 | Fincare Small Finance Bank | 6.25% | 6.75% | 36 months to 59 months | 29 July 2021 |
| 6 | Equitas Small Finance Bank | 6.25% | 6.75% | 3 years to 5 years | June 1, 2021 |
| 7 | Utkarsh Small Finance Bank | 6.00% | 6.50% | 701 Days to 3652 Days | 1 July 2021 |
| 8 | Capital Small Finance Bank | 6.00% | 6.50% | 1 Year to less than 5 Years | June 3, 2021 |
| 9 | AU Small Finance Bank | 6.00% | 6.50% | 36 months to 60 months | June 23, 2021 |
| 10 | ESAF Small Finance Bank | 5.75% | 6.25% | 3 Years to less than 5 Years | 01.08.2021 |
| Source: Bank Websites |
Top 10 Private Sector Banks Providing Best Interest Rates On 3 To 5 Year Fixed Deposits
On fixed deposits of 3 to 5 years, here are the top 10 private sector banks providing higher interest rates to both regular and senior citizens.
| Sr No. | Banks | Regular FD Rates | Senior Citizen FD Rates | Tenure | W.e.f. |
|---|---|---|---|---|---|
| 1 | DCB Bank | 6.50% | 7.00% | More than 36 months to 60 months | May 15, 2021 |
| 2 | RBL Bank | 6.30% | 6.80% | 36 months to less than 60 months | July 2, 2021 |
| 3 | Yes Bank | 6.25% | 7.00% | 3 years to less than 5 years | June 3, 2021 |
| 4 | IndusInd Bank | 6.00% | 6.50% | Above 3 years upto 61 months | July 23, 2021 |
| 5 | IDFC First Bank | 6.00% | 6.50% | 3 years 1 day - 5 years | May 1, 2021 |
| 6 | Axis Bank | 5.40% | 5.90% | 3 years to less than 5 years | 22.06.2021 |
| 7 | ICICI Bank | 5.35% | 5.85% | 3 years 1 day to 5 years | October 21, 2020 |
| 8 | HDFC Bank | 5.30% | 5.80% | 3 year 1 day- 5 years | May 21, 2021 |
| 9 | Bandhan Bank | 5.25% | 6.00% | 3 years to less than 5 years | June 7, 2021 |
| 10 | Kotak Mahindra Bank | 5.20% | 5.70% | 3 years to less than 5 years | July 23, 2021 |
| Source: Bank Websites |
Top 10 Public Sector Banks Promising Higher Interest Rates On 3 to 5 Year Fixed Deposits
For a deposit amount of less than Rs 2 Cr, here are the top 10 government banks promising higher returns on 3 to 5 year fixed deposits to both regular and senior citizens.
| Sr No. | Banks | Regular FD Rates | Senior Citizen FD Rates | Tenure | W.e.f. |
|---|---|---|---|---|---|
| 1 | Union Bank | 5.50% | 6.00% | 3 years to 5 years | 09.07.2021 |
| 2 | Canara Bank | 5.50% | 6.00% | 3 years & above to less than 5 years | 08.02.2021 |
| 3 | State Bank of India | 5.30% | 5.80% | 3 years to less than 5 years | 08.01.2021 |
| 4 | Punjab & Sind Bank | 5.30% | 5.80% | 3 Years - 5 Years | 16.05.021 |
| 5 | IDBI Bank | 5.30% | 5.80% | 3 years to less than 5 years | July 14, 2021 |
| 6 | Bank of Baroda | 5.25% | 5.75% | Above 3 Years and upto 5 Years | 16.11.2020 |
| 7 | Punjab National Bank | 5.25% | 5.75% | Above 3 year & upto 5 years | 01.08.2021 |
| 8 | Indian Bank | 5.25% | 5.75% | 3 years to less than 5 years | 05.02.2021 |
| 9 | Indian Overseas Bank | 5.20% | 5.70% | 3 Years and Above | 09.11.2020 |
| 10 | Central Bank of India | 5.00% | 5.50% | 3 years to less than 5 years | 10.07.2021 |
| Source: Bank Websites |
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