Best FD Rates offered for 3 years to less than 5 years tenure
There are many high-interests yielding fixed deposit options when it comes to four-year tenures in the market. Compared to one-year, two-year or three-year deposits, four-year fixed deposits are more likely to provide higher returns in some cases.
Let us explore some of the FDs that offer the highest rates of interest.
Best FD Interest Rates for Below Rs.2 Crore for 4-Year Tenure
Best FD Interest Rates for Below Rs.3 Crore for 3 years to less than 5 years
Bank/Company | FD Interest rates for General Public (p.a.) | FD Interest rates for Senior Citizens (p.a.) |
N/A | N/A | |
7.60% | 8.10% | |
5.75% | 6.25% | |
7.20% | 7.70% | |
N/A | N/A | |
6.00% | 6.50% | |
6.00% | 6.50% | |
6.10% | 6.60% |
*Interest rates are revised by banks and NBFCs from time to time.
# For Punjab National Bank, the applicable interest rates fall under the tenure category of 3 years to 1203 days.
*Interest rates are revised by banks and NBFCs from time to time
3 Years to Less Than 5 Years FD Key Highlights
- The best FD interest rate for the category of 3 years to less than 5 years tenture is offered by Sriram City Union Finance, which pays an attractive interest rate of 7.60% p.a. to general citizens.
- For senior citizens investing in Sriram City Union Finance, the interest rate is highly lucrative, at 8.10% p.a.
Shriram City Union Finance
- For investing in a three-to-five-year tenure, general citizens are offered an interest rate of 7.60% p.a.
- Cumulative and non-cumulative deposit schemes are provided
- The minimum deposit amount is Rs.5,000
Nainital Bank
- For an investment period of three-to-five-year, Nainital Bank offers an interest of 5.75% p.a. to general citizens
- 6.25% p.a. is provided to those who fall in the senior citizen age bracket.
- In case of premature withdrawal, the interest rate offered is 1% less than the regular rate
- Nomination and joint account facility provided by the bank
IDFC
- IDFC pays an interest of 7.20% p.a. for the a three-to-five-year tenure to general citizens
- Senior citizens are provided 7.70% p.a.
- Compound interest is calculated, and the interest is re-invested each quarter
- The bank provides the option of monthly interest payout
ESAF Small Finance Bank
- ESAF Small Finance Bank offer an interest rate of 6.00% p.a. to the general public
- Senior citizens will get an interest rate of 6.50% p.a.
- Nomination facility and joint account option is available
- A wide range of FD schemes offered
Deutsche Bank
- Customers, both the regular public and senior citizens, can avail up to 6.25% p.a. for a FD having a three-to-five-year tenure.
- Up to 95% of the FD amount can be taken as a loan/overdraft
- Online booking option available
Janata Sahakari Bank Ltd
- Janata Bank offers a wide range of FD options
- The interest rate is 6.00% p.a. for the general public and 6.50% p.a. for senior citizens for a three-to-five-year tenure
- Special FD schemes available for different tenure ranges
- TDS applicable
Punjab and Sind Bank
- The rate of interest paid on Punjab and Sind Bank FDs for a three-to-five-year tenure is 6.10% p.a.
- Individuals who fall in the senior citizen bracket can earn an interest rate of 6.60% p.a.
*Please note that all interest rates for senior citizens will be higher. As per the discretion of the bank, a certain higher percentage of interest will be provided for senior citizens.
* All interest rates may be subject to change
FAQs on 4 Year Tenure FD Rates
- What does a cumulative or reinvestment FD mean?
A cumulative or reinvestment type of fixed deposit is one in which there is no interest payout before maturity; instead, the interest is compounded on a quarterly basis and is reinvested with the principal amount and the total amount is paid out when the FD matures.
- Is there a nomination facility available for fixed deposits?
Yes, most banks offer a nomination facility for fixed deposit accounts.
- Do senior citizens get an additional interest rate for 3-year to less than 5-year tenure fixed deposits?
Yes, most banks do offer additional interest rates for senior citizens for 3-year to less than 5-year tenure fixed deposits as well.
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