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    Top 10 FD Rates for 5 Years

    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 20 Years
    5.25% - 8.75% Quarterly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.6% Quarterly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    7 Days to 10 Years
    4.25% - 7% Monthly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    15 Days to 20 Years
    4.25% - 7.65% Monthly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    7 Days to 10 Years
    5.5% - 7.45% Monthly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    7 Days to 10 Years
    4% to 8% Monthly compounding
    Response Time Within 30 minutes
    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    6.2% - 7% Monthly compounding
    Response Time Within 30 minutes
    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    7.15% Monthly compounding
    Response Time Within 30 minutes
    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6.5% - 6.95% Monthly compounding
    Response Time Within 30 minutes
    NRI - FD
    Up to ₹1Cr
    1 Year onwards
    7% - 7.5% Monthly compounding
    Response Time Within 30 minutes
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.6% Quarterly compounding
    Response Time Within 30 minutes
    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    7% - 7.1% Quarterly compounding
    Response Time Within 30 minutes
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    Overview on 5 Years FD

    A Fixed Deposit is perhaps THE most popular investment tool in the country, with millions of us investing our hard earned money in them. High interest rates coupled with flexible tenure options have made it part of most investment portfolios. Fixed Deposits for 5 years are perhaps the most popular, primarily due to higher interest rates (compared to other tenures), offering safety and guaranteed returns to investors.

    Top 10 Fixed Deposit Schemes for 5 Years Tenure:

    Listed below are some of the best schemes for a 5 year tenure.

    1. Shriram City Union Finance (SCUF) FD for 5 Years

      Fixed Deposits at SCUF can earn investors an interest ranging between 8.75% per annum and 9% per annum, depending on their age. Senior citizens are entitled to earn 9% on their investment while all other depositors earn 8.75%, with the interest compounded annually.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.75% per annum Rs.3.04 lakhs
      2 lakhs 9.00% per annum Rs.3.07 lakhs
    2. RBL Bank Fixed Deposit for 5 Years

      RBL Bank offers a number of options when it comes to FDs, with products catering to different requirements. The interest depends on the amount invested and the age of an individual, with the effective annualised interest being 9.31% for senior citizens and 8.77% for others. Amounts in excess of Rs 1 crore have interests ranging between 8.77% for seniors and 8.24% for others, respectively.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.77% per annum Rs.3.04 lakhs
      2 lakhs 9.31% per annum Rs.3.12lakhs
    3. Deutsche Bank 5 Years Fixed Deposit

      A 5 year FD at Deutsche Bank will earn investors an interest ranging between 8.50% and 8.75%, depending on their age. Senior citizens are eligible to earn 8.75%, while all other deposits earn 8.50% per annum.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.50% per annum Rs.3 lakhs
      2 lakhs 8.75% per annum Rs.3.04 lakhs
    4. Shriram Transport Finance Company Limited (STFCL) 5 Years FD

      A NBFC with excellent financial results, STFCL offers FDs which are highly rated. Interest on a 5 year FD stands at 9% per annum for senior citizens and 8.75% per annum for others (compounded annually).

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 9% per annum Rs.3.07 lakhs
      2 lakhs 8.75% per annum Rs.3.04 lakhs
    5. LIC HFL Fixed Deposit for 5 Years Tenure

      A 5 year FD with LIC Housing Finance Limited can earn investors an interest ranging between 8.50% and 8.75% per annum. Senior citizens are eligible to earn a maximum of 8.75% on their FD, while all others earn 8.50%. Interest is compounded every year at LIC HFL.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.50% per annum Rs.3 lakhs
      2 lakhs 8.75% per annum Rs.3.04 lakhs
    6. India Post Five Years Fixed Deposit

      India Post provides an opportunity for people from rural and isolated areas to open an FD, helping them earn good returns on their investment. The current interest on a 5 year FD at India Post stands at 7.9% per annum, compounded quarterly.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 7.9% per annum Rs.2.95 lakhs
    7. Mahindra Finance FD Interest for 5 Years

      A 5 year FD at Mahindra Finance will earn investors an interest ranging between 8.45% and 8.70% per annum (compounded half-yearly). Senior citizens will earn the higher interest rate, while all others earn 8.45%.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.45% per annum Rs.3.02 lakhs
      2 lakhs 8.70% per annum Rs.3.06 lakhs
    8. PNB Housing Finance Limited 5 Years FD

      Individuals who open a fixed deposit with PNB Housing Finance Limited stand a chance to earn interest ranging between 8.25% and 8.50% per annum for a 5 year term. Senior citizens are entitled to 8.50% per annum while all others are eligible to an interest of 8.25%, with the interest compounded annually.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.25% per annum Rs.2.97 lakhs
      2 lakhs 8.50% per annum Rs.3 lakhs
    9. TamilNad Mercantile Bank (TMB) FD for 5 Years

      TMB offers individuals a number of options when it comes to Fixed Deposits, with the interest fixed at 8.20% per annum for senior citizens and 7.70% per annum for others.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 7.70% per annum Rs.2.90 lakhs
      2 lakhs 8.20% per annum Rs.2.96 lakhs
    10. ICICI Home Finance 5 Years Fixed Deposit

      A 5 year FD with ICICI Home Finance earns an interest ranging between 8.25% and 8.50% per annum. This interest is compounded annually, with senior citizens earning 8.50% per annum on their investment.

      The table below indicates the returns on an investment of Rs.2 lakhs.

      Investment (Rs) Interest Rate Amount after 5 years
      2 lakhs 8.25% per annum Rs.2.97 lakhs
      2 lakhs 8.50% per annum Rs.3 lakhs

    Note: All interest rates mentioned above are valid as of June, 2016. These rates are subject to change without prior intimation.

    The FDs listed above are not ranked in order, reflecting the best FDs in random arrangement.

    Updated on 22 June ‘16

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