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  • Best FD Rates For 3 Years 2019

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    Best FD Rates For 3 Years 2019

    Many banks are offering good interest rates on 3-year fixed deposits. In fact, in many cases, the interest earned on 3-year deposits are much higher when compared to 1-year or 2-year tenures. In this page, readers can get information about the best fixed deposits for 3 years in the market.

    Given below are 10 of the best fixed deposit schemes with a 3-year tenure in 2019:

    Top 10 3-year FDs for 2019
    Bank/Company Regular Interest Rate (per annum) Senior Citizen Interest Rate (per annum)
    Fincare Small Finance Bank 9.00% 9.50%
    KTDFC 8.50% 8.75%
    Shriram City 9.00% 9.25%
    Mahindra Finance 8.80% 9.05%
    Sundaram Finance 8.00% 8.50%
    Lakshmi Vilas Bank (LVB) 7.85% 8.45%
    ICICI Home Finance 8.25% 8.50%
    Yes Bank (Special Rates) 7.25% 7.75%
    ICICI Bank 7.50% 8.00%
    HDFC Bank 7.40% 7.90%

    The Interest rates are subject to change and are revised by the banks and financial institutions from time to time

    3-year Fixed Deposit key highlights

    • Fincare Small Finance Bank pays the highest interest rate of 9% p.a. for the 3-year FD when it is opened by the general public
    • When 3-year term deposits are opened by senior citizens, Fincare pays an attractive interest rate of 9.50% p.a.
    • The interest rate ranges from 7.40% p.a. to 9% p.a. for the 3-year fixed deposits when opened by the general public
    • When opened by those above 60 years, the interest paid by banks and financial institutions range from 7.90% p.a. to 9.50% p.a.
    Best FD rates for 3 year 2019
    Best FD rates for 3 year 2019

    List of 10 best FD schemes for 3 years

    1. 1. Fincare Small Finance Bank

      • Fincare offers better rates of interest when compared to other banks in the industry
      • They offer up to 9% p.a. to the general public and 9.50% p.a. for those above 60 years
      • A number of flexible interests payout options and premature withdrawal is provided by the bank

      2. KTDFC

      • A lucrative rate of 8.50% p.a. is paid for term deposits opened for a period of 3 years
      • For senior citizens, the interest rate offered is 8.75% p.a.
      • TDS is applicable on all FD schemes
      • They offer Periodic Interest Payment Schemes (PIPS) and Money Multiplier Schemes (MMS)

      3. Shriram City

      • The rate of interest offered on non-cumulative deposits for 3 years is 9% p.a.
      • They also offer cumulative term deposits
      • The rate of interest offered to senior citizens is 9.50% p.a.

      4. Mahindra Finance

      • The best FD rate is offered for the Samruddhi Cumulative Deposit scheme, where the rate of interest is 8.80% p.a. with regard to general citizens
      • For senior citizens, the interest rate offered is 0.25% higher for Samruddhi Cumulative Deposit Scheme
      • The interest on these deposits are compounded on an annual basis
      • Various interest payout options available

      5. Sundaram Finance

      • Promising FD schemes with attractive interest rates and other benefits
      • An interest rate of 8% p.a. is offered to the general public who open a 3-year term deposit with the company
      • Senior citizens are provided an interest of 8.50% p.a.
      • Premature withdrawal and nomination facility available

      6. LVB

      • The bank offers a deposit interest rate of 7.85% p.a. to the general public for opening a term deposit having an investment period of 3 years
      • An interest rate of 8.45% p.a. is offered to senior citizens
      • 1% penalty fee applicable in case of premature withdrawal
      • Penalty not applicable for deposits above Rs.1 crore

      7. ICICI Home Finance

      • Competitive interest rate of 8.25% p.a. is offered to the general public for a 3-year investment tenure
      • For those above 60 years, interest of 8.50% p.a. is provided
      • The rates offered include base rates and special rates

      8. Yes Bank

      • Yes Bank offers customers a special rate of 7.50% p.a. on time deposits whose time period ranges from 36 months 10 days to 36 months 20 days
      • Senior citizens are paid at the rate of 8% p.a. for the investment tenure that ranges between 36 months 10 days and 36 months 20 days
      • Reinvestment is available for a minimum tenure of 6 months 1 day

      9. ICICI Bank

      • The annual percentage rate paid by ICICI Bank on FDs opened for a period of 3 years is 7.50% p.a.
      • Senior citizens are paid an interest of 8% p.a.

      10. HDFC Bank

      • The rate of interest paid on HDFC Bank FDs for a 3-year tenure is 7.40% p.a.
      • Individuals who fall in the senior citizen bracket can earn an interest rate of 7.90% p.a.

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