Money won’t grow in your mattress.
It will grow in a Fixed Deposit!
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    We found 112 Top 10 FD Rates for 4 Years

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    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹25L
    1 Year to 5 Years
    7.49% - 8.19% Monthly compounding
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    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.5% Monthly compounding
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    Up to ₹1Cr
    7 Days to 20 Years
    5% - 8% Quarterly compounding
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    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.25% Quarterly compounding
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    Up to ₹1Cr
    7 Days to 10 Years
    4.25% - 7.05% Monthly compounding
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    Up to ₹1Cr
    15 Days to 20 Years
    4.25% - 7.25% Monthly compounding
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    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7% Monthly compounding
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    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    6.5% - 6.8% Monthly compounding
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    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6% - 6.75% Monthly compounding
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    NRI - FD
    Up to ₹1Cr
    1 Year onwards
    6.25% - 6.5% Monthly compounding
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    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.30% Quarterly compounding
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    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    6.80% Quarterly compounding
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    • Customer Reviews

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    • Central Bank of India Fixed Deposit
      "CBI is the best bank for Fixed Deposit"
      0.5 4.5/5 "Excellent!"
      HI! This is Santosh, I had been using from last 8 years with best service without any issue. This Bank Fixed Deposit rate of interest is higher then other banks. The Banking and services are good, There is no Fixed deposit breaking charges. I will recommend this Bank for the Best FD services.
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      , hyderabad
      Reviewed on Jul 18, 2017
    • HDFC Bank Fixed Deposit
      "Go ahead with your choice"
      0.5 4.0/5 "Great!"
      I have the fixed deposit account with the HDFC bank and I been with them from the last three to four years of time. The rate of interest was reduced as of now but I have got it as fixed. Customer service and other things are really okay and I have not interacted with them.
      Was this review helpful? 1

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      , chennai
      Reviewed on Jul 06, 2017
    • SBI Fixed Deposit
      "Wonderful "
      0.5 4.0/5 "Great!"
      I had the fixed deposit account with the State bank of India and the interest rate was around 6% to 7% before three years of time. Response and other aspects are good enough. Customer service was also good one and their online banking services are up to the mark.
      Was this review helpful? 6

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      , visakhapatnam
      Reviewed on Jul 03, 2017
    • ICICI Bank Fixed Deposit
      "Its Good"
      0.5 4.0/5 "Great!"
      In terms of interest rate, ICICI IS providing lower benefits for Fixed deposit account. For premature they not calculating the proper interest rate. It would be better to give clear information about interest rate calculation within the period of transaction.
      Was this review helpful? 4

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      , chennai
      Reviewed on Jun 30, 2017
    • SBI Fixed Deposit
      "Its Average"
      0.5 2.0/5 "Expected more"
      I am having recurring deposit with SBI, I opened the RD by visiting SBI branch. On the same day RD account got activated. But I felt interest rate is low they offering only 7.1% of interest, I have invested the amount of Rs. 1 lakh for the tenure of 15 month, after maturity of the RD. I would be getting the return around 1.08 lakh.
      Was this review helpful? 3

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      , ahmedabad
      Reviewed on Jun 30, 2017
    • ICICI Bank Fixed Deposit
      "Good for tax saving "
      0.5 5.0/5 "Blown Away!"
      I have opened the fixed deposit through ICICI I mobile application, I have invested the amount of Rs.5000 for the tenure of five years. After the tenure I would be getting Rs.20,000 as a return. I could track the fixed deposit details over the netbanking.
      Was this review helpful? 5

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      , bangalore
      Reviewed on Jun 29, 2017
    • HDFC Bank Fixed Deposit
      "Best"
      0.5 4.0/5 "Great!"
      I do have fixed deposit account with the HDFC bank and the interest rate is common one with every bank like it used to get varied up to 0.5% . Penalty charges are nil with them for the premature withdraw, which is the really good one.
      Was this review helpful? 5

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      , chennai
      Reviewed on Jun 22, 2017
    • SBI Fixed Deposit
      "Good Service"
      0.5 4.0/5 "Great!"
      When I have started to deposit the money I was getting good interest rate but know the rate of interest is decreased with SBI Fixed deposit. I have started the fixed deposit around 6 years ago with SBI. Initially I got around 9.5% as interest rate but now I am getting only 7.5% interest rate. The service with State is good.
      Was this review helpful? 6

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      , bangalore
      Reviewed on Jun 22, 2017
    • Canara Bank Fixed Deposit
      "Good"
      0.5 2.5/5 "Just OK"
      I am having the fixed deposit account with the Canara bank and the rate of interest is around 8.5%, which was very lesser one on that time. Total tenure is around three years of time, also the penalty charges are not really huge. Customer service is not really up to the mark.
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      , hyderabad
      Reviewed on Jun 20, 2017
    • IDBI Fixed Deposit
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I would suggest IDBI bank is the best one to get the fixed because of the good rate of interest . Customer service is good one and am with them from the last three years of time. Penalty charges are lesser one with the m for the premature withdraw.
      Was this review helpful? 1

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      , bangalore
      Reviewed on Jun 19, 2017
    • ICICI Bank Fixed Deposit
      "Good Indian bank"
      0.5 4.0/5 "Great!"
      I do have fixed deposit account with the ICICI bank and the interest rate is around 6.5% per annum , also the maturity period is also one year of time. Customer service is also a good one with the ICICI bank, also the response too. Online banking services are also working in good way and am very familiar with them till now.
      Was this review helpful? 3

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      , bangalore
      Reviewed on Jun 16, 2017
    • Axis Bank Fixed Deposit
      "Its good investment"
      0.5 4.5/5 "Excellent!"
      I have invested one lakh in fixed deposit with AXIS bank. Its going to matured in this august, Then I would be getting around Rs.1.12,000. I have opened this FD through online and I will be getting the amount same to my account. AXIS gave me premature withdrawal, I can close whenever I want.
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      , mumbai
      Reviewed on Jun 13, 2017
    • Canara Bank Fixed Deposit
      "For common man"
      0.5 5.0/5 "Blown Away!"
      I do have the fixed deposit account with the Canara bank and am using it from the last ten years of time. Customer service aspects are good one with them and the online banking services are not really working in a good according the new generation bankers. The interest rate is around 7.25% as of now.
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      , bangalore
      Reviewed on Jun 12, 2017
    • YES Bank Fixed Deposit
      "Wonderful "
      0.5 5.0/5 "Blown Away!"
      I have the fixed deposit account with the Yes bank and the interest rate is around 6.5% above and the customer service is not yet experienced because everything used to dealt with through online experience. I have not faced any server down issues with the Yes bank.
      Was this review helpful? 3

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      , ghaziabad
      Reviewed on Jun 12, 2017
    • HDFC Bank Fixed Deposit
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the fixed deposit account with the HDFC bank and the services are always an excellent one. I have opened the account on immediate basis like everything used to get happened in instant way. Rate of interest is around 6.5% and the response is an excellent one.
      Was this review helpful? 1

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      , mumbai
      Reviewed on Jun 09, 2017
    • Vijaya Bank Fixed Deposit
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the fixed deposit account with the Vijaya bank and the interest rate is around 6.5% and the customer service is good one , also they are nearby my locality and also the access is really friendly. Online services are good one with the Vijaya bank.
      Was this review helpful? 1

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      , mumbai
      Reviewed on Jun 09, 2017
    • Central Bank of India Fixed Deposit
      "Fund transfer"
      0.5 0.5/5 "Unacceptable"
      The worst banking system I have ever seen. if i want to transfer amt to other bank through IFSC they can't detect the bank or automatically logged out .if I want current statement they can't.net banking automatically logged out.if i go for pass book entry server down problem. if I go to ATM only 2k available etc...
      Was this review helpful? 4

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      , kolkata
      Reviewed on Jun 01, 2017
    • SBI Fixed Deposit
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      When I wanted to open a fixed deposit account at State Bank of India. I did not have to visit the bank. I opened the account online and though the rate of interest is not that appealing. I am happy with the overall experience and process and the convenient banking process.
      Was this review helpful? 11

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      , guwahati
      Reviewed on May 31, 2017
    • SBI Fixed Deposit
      "Convenient to Hold"
      0.5 4.0/5 "Great!"
      It has been two years when I opened fixed deposit with State bank of India. The period is for five years. Since I completed two years, three years to go. Interest rate is of 11%. Actually SBI is located near to my house so I feel more comfortable in visiting the bank at any instance. All the staffs are very friendly and very cooperative.
      Was this review helpful? 6

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      , visakhapatnam
      Reviewed on May 25, 2017
    • SBI Fixed Deposit
      "Secured investment"
      0.5 5.0/5 "Blown Away!"
      Compared to other banks SBI offering good interest rate on fixed deposit, they offered me 7.95% of interest. I have the amount of Rs. 2.4 lakhs for the tenure of three years. After the maturity period I got the amount around 2.9 lakhs. I am very much fine with that.
      Was this review helpful? 4

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      , hyderabad
      Reviewed on May 24, 2017
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    Top 10 FD Rates for 4 Years is Rated as "Excellent!" by 1757 Users

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    One of the most commonly procured investment options by individuals in India due to the fact that it is one of the safest options available, Fixed Deposits guarantee the growth of idle savings into a healthy amount of money. Fixed Deposit Schemes allow investors to deposit a certain amount of money over a fixed period of time such as a year to around 10 years.

    In addition to the above, applicants also receive a fixed amount of interest on their deposit based on the markets and also tenure of their deposit scheme. Longer the tenure, higher is the amount of interest availed. Various banks and financial institutions offer Fixed Deposits with varying rates of interest. The following list looks at the top 10 Fixed Deposit Schemes in India for a tenure of 4 years.

    Top 10 Fixed Deposit Schemes for 4 Years Tenure

    Listed below are some of the best schemes for a tenure of 4 Years

    Shriram City Union Fixed Deposit for 4 Years

    One of the poplar NBFCs in the country, Shriram City Union, offers a number of financial products and services. Fixed Deposits are highly popular due to their low risk nature. Shriram City Union offers monthly and quarterly compounding interest.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.86% Less than Rs.1 crore 4 years
    Compounding quarterly at 7.91% Less than Rs.1 crore 4 years

    RBL Bank Four Years Fixed Deposit

    RBL Bank is one of the foremost banks of India offering a plethora of products to suit every individual’s myriad needs. Fixed Deposits are one of their more popular products with different options for investment. The different types of Fixed Deposits options available are Regular Fixed deposits, Tax Saving Fixed Deposits, Senior Citizen Fixed Deposits, Recurring Fixed Deposits, Flexi-Sure Fixed Deposits.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.70% Less than Rs.1 crore 4 years
    Compounding quarterly at 7.93% Less than Rs.1 crore 4 years

    Bandhan Bank 4 Years Fixed Deposit

    Bandhan Bank is one of the foremost banks in the country and as part of its banking portfolio, offers a number of unique products and services to the general public. Fixed Deposits are one of their most popular products due to its high rate of interest and flexible tenures. This bank offers a number of unique FD schemes that can be chosen depending on the customer’s requirement. Senior citizens get an additional 0.5% interest rate on their fixed deposit investments. Interest is compounded every quarter.

    Interest Rate & Compounding Amount Invested Tenure
    Under quarterly compounding at 7.00% Less than Rs.1 crore 4 years

    Mahindra Finance Fixed Deposit for 4 Years

    Mahindra Finance is one of the most trusted NBFCs in the country, providing premier products at competitive rates. One of the highest rates of interest is offered by this company. Interest can be compounded semi-annually, annually or even quarterly. Senior citizens receive an additional interest rate of 0.25% per annum. A minimum deposit of Rs.5,000 is required. Under the non-cumulative scheme, for a period of 4 years, the interest applicable is 8.05%.

    Interest Rate & Compounding Amount Invested Tenure
    Under half-yearly compounding at 7.90% Less than Rs.1 crore 4 years
    Compounding quarterly at 7.80% Less than Rs.1 crore 4 years

    PNB Housing Finance Ltd. Fixed Deposit for 4 Years Tenure

    PNB Housing Finance Ltd. offers fixed deposit options under various tenures. Based on the tenure and compounding frequency, the rate of interest varies. PNB Housing Finance Limited is one of the foremost financial institutions in the country, providing a wide range of unique products and services. Interest is compounded monthly, quarterly, annually or semi-annually. Senior citizens can avail an additional discount of 0.25% on the regular interest rates.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.15% Less than Rs.1 crore 4 years
    Under quarterly compounding at 7.20% Less than Rs.1 crore 4 years
    Under semi-annually compounding at 7.30% Less than Rs.1 crore 4 years
    Under annually compounding at 7.40% Less than Rs.1 crore 4 years

    Shriram Transport Finance Company Fixed Deposit for 4 Years

    Shriram Transport Finance Company is known for offering a wide range of financial services, the most important one being fixed deposits. Competitive interest rates are applicable and interest is compounded either monthly, quarterly, yearly or half yearly. Senior citizens can avail an additional rate of interest over the prescribed rate.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.86% Less than Rs.1 crore 4 years
    Compounding quarterly at 7.91% Less than Rs.1 crore 4 years
    Under semi-annually compounding at 7.99% Less than Rs.1 crore 4 years
    Under annually compounding at 8.15% Less than Rs.1 crore 4 years

    HDFC Finance Limited 4 Years Fixed Deposit

    HDFC is a premier private financial institution whose name is synonymous with trust and unique products. HDFC Finance Limited offers customers fixed deposits that come with competitive rates and flexible tenures. Interest is compounded monthly, quarterly, yearly or half yearly. Senior citizens receive an additional rate of interest of 0.25% per year.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.30% Less than Rs.2 crore 44 months
    Compounding quarterly at 7.35% Less than Rs.2 crore 44 months
    Under semi-annually compounding at 7.40% Less than Rs.2 crore 44 months
    Under annually compounding at 7.55% Less than Rs.2 crore 44 months

    ICICI Home Finance 4 Years FD

    ICICI is a name that is synonymous with the best in private banking along with trust. One of the most popular products offered is the fixed deposit scheme. This scheme can be compounded annually, monthly and quarterly. Interest rates are based on tenure chosen by the individual. Senior citizens receive an additional interest rate of 0.25% on their deposits.

    Interest Rate & Compounding Amount Invested Tenure
    Under monthly compounding at 7.50% Less than Rs.1 crore 4 years
    Compounding quarterly at 7.55% Less than Rs.1 crore 4 years
    Compounding yearly at 7.75% Less than Rs.1 crore 4 years

    Jammu and Kashmir Bank Fixed Deposit for 4 Years Tenure

    Jammu and Kashmir Bank provides a number of products and services. One of the popular products offered are fixed deposits. Customers can avail this option and procure a number of benefits such as tax benefits and premature withdrawal options. Senior citizens can procure an additional rate of interest.

    Interest Rate & Compounding Amount Invested Tenure
    Under yearly compounding at 7.10% Less than Rs.1 crore 4 years

    Lakshmi Vilas Bank Fixed Deposit for 4 Years Tenure

    Lakshmi Vilas Bank is name that commands respect in the financial world. This company provides fixed deposit schemes with rates of interest that varies with the tenure. Minimum amount of deposit is Rs.100 and there is no cap on the maximum amount. Nomination facility is available. Senior citizens receive an additional 0.5% rate of interest on their deposit.

    Interest Rate & Compounding Amount Invested Tenure
    Under annual compounding at 7.00% Less than Rs.1 crore 4 years

    Updated on January, 2017

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