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Top 10 Banks Offering Best Returns On 3 To 5 Year Fixed Deposits In 2021

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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

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.BanksRegular FD RatesSenior Citizen FD RatesTenureW.e.f.
1North East Small Finance Bank7.25%7.75%3 years to 5 yearsApril 19, 2021
2Ujjivan Small Finance Bank6.75%7.25%3 Years and 1 Day to 5 YearsMarch 5, 2021
3Jana Small Finance Bank6.75%7.25%3 Years to less than 5 Years07.05.2021
4Suryoday Small Finance Bank6.75%6.75%Above 3 Years to less than 5 YearsJune 21, 2021
5Fincare Small Finance Bank6.25%6.75%36 months to 59 months29 July 2021
6Equitas Small Finance Bank6.25%6.75%3 years to 5 yearsJune 1, 2021
7Utkarsh Small Finance Bank6.00%6.50%701 Days to 3652 Days1 July 2021
8Capital Small Finance Bank6.00%6.50%1 Year to less than 5 YearsJune 3, 2021
9AU Small Finance Bank6.00%6.50%36 months to 60 monthsJune 23, 2021
10ESAF Small Finance Bank5.75%6.25%3 Years to less than 5 Years01.08.2021
Source: Bank Websites     
Top 10 Private Sector Banks Providing Best Interest Rates On 3 To 5 Year Fixed Deposits
 

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.BanksRegular FD RatesSenior Citizen FD RatesTenureW.e.f.
1DCB Bank6.50%7.00%More than 36 months to 60 monthsMay 15, 2021
2RBL Bank6.30%6.80%36 months to less than 60 monthsJuly 2, 2021
3Yes Bank6.25%7.00%3 years to less than 5 yearsJune 3, 2021
4IndusInd Bank6.00%6.50%Above 3 years upto 61 monthsJuly 23, 2021
5IDFC First Bank6.00%6.50%3 years 1 day - 5 yearsMay 1, 2021
6Axis Bank5.40%5.90%3 years to less than 5 years22.06.2021
7ICICI Bank5.35%5.85%3 years 1 day to 5 yearsOctober 21, 2020
8HDFC Bank5.30%5.80%3 year 1 day- 5 yearsMay 21, 2021
9Bandhan Bank5.25%6.00%3 years to less than 5 yearsJune 7, 2021
10Kotak Mahindra Bank5.20%5.70%3 years to less than 5 yearsJuly 23, 2021
Source: Bank Websites     
Top 10 Public Sector Banks Promising Higher Interest Rates On 3 to 5 Year Fixed Deposits

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.BanksRegular FD RatesSenior Citizen FD RatesTenureW.e.f.
1Union Bank5.50%6.00%3 years to 5 years09.07.2021
2Canara Bank5.50%6.00%3 years & above to less than 5 years08.02.2021
3State Bank of India5.30%5.80%3 years to less than 5 years08.01.2021
4Punjab & Sind Bank5.30%5.80%3 Years - 5 Years16.05.021
5IDBI Bank5.30%5.80%3 years to less than 5 yearsJuly 14, 2021
6Bank of Baroda5.25%5.75%Above 3 Years and upto 5 Years16.11.2020
7Punjab National Bank5.25%5.75%Above 3 year & upto 5 years01.08.2021
8Indian Bank5.25%5.75%3 years to less than 5 years05.02.2021
9Indian Overseas Bank5.20%5.70%3 Years and Above09.11.2020
10Central Bank of India5.00%5.50%3 years to less than 5 years10.07.2021
Source: Bank Websites     

Read more about: fd fixed deposit investment
Story first published: Wednesday, August 4, 2021, 16:56 [IST]
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