Top 3-Year FD Rates in India 2025: Earn Up to 7.65% Returns on Your Fixed Deposit Investments!
In today’s low-interest rate environment, even the smallest shift in fixed deposit (FD) interest rates can make a big difference to your overall earnings. Since FD returns are locked in at the rate offered at the time of investment, investors must keep an eye on frequent rate changes announced by banks. A small variation—say, a 0.25% rise—can significantly boost your maturity amount, especially for larger deposits or long-term tenures.
Currently, small finance banks (SFBs) are leading the race by offering higher interest rates than traditional banks, making them a preferred choice for smart investors looking to maximize returns.
🔹 Top Small Finance Banks Offering the Highest 3-Year FD Interest Rates (2025)
| Bank Name | 3-Year Interest Rate (%) |
|---|---|
| Utkarsh Small Finance Bank | 7.65% |
| Jana Small Finance Bank | 7.50% |
| slice Small Finance Bank | 7.50% |
| Suryoday Small Finance Bank | 7.25% |
| Ujjivan Small Finance Bank | 7.20% |
| AU Small Finance Bank | 7.10% |
| Equitas Small Finance Bank | 7.00% |
| Shivalik Small Finance Bank | 7.00% |
| ESAF Small Finance Bank | 6.00% |
Among these, Utkarsh Small Finance Bank currently tops the list with an attractive 7.65% annual interest rate on a 3-year fixed deposit, making it one of the best options for investors seeking steady income with safety. Close behind are Jana Small Finance Bank and slice Small Finance Bank, both offering 7.50%, while Suryoday Small Finance Bank provides 7.25%.
đź’ˇ Why You Should Review FD Rates Regularly
Even though fixed deposits are considered safe investments, staying updated on changing rates helps you take advantage of better returns. Small finance banks tend to offer more competitive rates compared to traditional banks, making them ideal for investors who want a balance of security and higher yield.
For those planning long-term financial goals, locking in a 3-year FD now can secure you attractive returns before rates fluctuate again.
Pro Tip: Always check whether your chosen bank is covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC), which insures deposits up to â‚ą5 lakh per depositor per bank.
🏦 Final Takeaway
If you’re looking for the best 3-year FD options in 2025, small finance banks like Utkarsh, Jana, and slice offer excellent opportunities to grow your savings with rates as high as 7.65%.