Best FD Rates For 3 Years 2022 | FD Interest Rates

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.

Best 2022 FD Interest Rates for Below Rs.2 Crore for 3-Year Tenure


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 highlightsShriram City pays the highest interest rate of 7.50% p.a. for the 3-year FD opened by the general public.
• When 3-year term deposits are opened by senior citizens, Shriram City pays the highest interest rate of 7.80% p.a.

List of 10 best FD schemes for 3 years
1. Fincare Small Finance Bank

• Fincare offers attractive rates of interest on the 3-year tenure
• They offer 6.50% p.a. to the general public.
• A number of flexible interest payout options and premature withdrawal is provided by the bank

2. KTDFCA

•  lucrative rate of 6.00% p.a. is paid for term deposits opened for a period of 3 years
• For senior citizens, the interest rate offered is 6.25% 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 for cumulative deposits for 3 years is 6.54% p.a
• The rate of interest offered to senior citizens is 6.54% p.a. for the same

4. Mahindra Finance

• The best FD rate is offered for the Samruddhi Cumulative Deposit scheme, where the rate of interest is 6.20% 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 6.61% 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 7.11% p.a.
• Premature withdrawal and nomination facility available

6. LVB

• The bank offers a deposit interest rate of 6.00% p.a. to the general public for opening a term deposit having an investment period of 3 years
• An interest rate of 6.50% 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. Equitas Small Finance Bank

• The bank offers high interest rate of 6.00% p.a. for a tenure of 3 years
• Senior citizens are offered an interest rate of 6.14% p.a. for the same tenure
• Premature withdrawal facility is available

CRC BRC પરીક્ષા જાહેરાત 2022-23

8. Yes Bank

• YES Bank offers customers a special rate of 6.50% p.a. for general citizens
• Senior citizens are paid at the rate of 7.00% p.a.
• Reinvestment is available for a minimum tenure of 6 months 1 day

9. Canara Bank

• Canara Bank offers an interest rate of 5.70% p.a. on FDs for a period of 3 years
• An interest rate of 6.20% p.a. is offered to senior citizens
• Premature withdrawal facility is available
• 1% penalty fee applicable on premature withdrawal of deposits below Rs.2 crore

10. Punjab and Sind Bank

• The rate of interest paid on Punjab and Sind Bank FDs for a 3-year tenure is 5.60% p.a.
• Individuals who fall in the senior citizen bracket can earn an interest rate of 6.10% p.a.

IMPORTANT LINK

ઔષધીય ગુણોથી ભરપૂર છે આદુ, કેન્સર જેવી ઘાતક બીમારી સામે પણ આપે છે રક્ષણ

FAQs on 3 Year Tenure FD Rates

1. When will my FD interest amount get credited into my account?This will depend on the interest payout that you have decided at the time of booking the FD. It can be on a monthly, quarterly, or annual basis in which case it will be credited into your savings account. If you have chosen the reinvestment option, then the interest gets compounded over time, being added to the principal amount, and will be credited into your savings account only when the FD matures.
2. Will I get the same interest amount if I prematurely withdraw my FD?Most banks levy a penalty ranging from 1% to 2% on the rate of interest if you prematurely close your FD.
3. Should I pay TDS on the interest earned on my fixed deposits?You have to pay 10% Tax Deducted at Source (TDS) only if the interest amount on your FD for a financial year is more than Rs.10,000 (for AY 2019-20) or more than Rs. 40,000 (for AY 2020-21). If you do not provide a PAN card when booking your FD, then there is a fixed TDS of 20%.

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Latest Fixed Deposit (FD) interest rates of all Indian banks across all tenures

Fixed deposit (FD) is a low-risk funding choice  in and that you can earn significant returns. While choosing the right bank to deposit your case with, you must between review and collate fixed deposit interest rates supply by various banks.

This required will be support you to collate the latest fixed deposit rates among leading banks in India ahead opening a new fixed deposit or renewing an existing one. 

Get Latest Fixed Deposit (FD) interest rates of Axis Bank, Bandhan Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, City Union Bank, CSB Bank, DCB Bank, Dhanlaxmi Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC First Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Punjab and Sind Bank, Punjab National Bank, RBL Bank, South Indian Bank, State Bank of India, Tamilnad Mercantile Bank, UCO Bank, Union Bank of India, Yes Bank across all tenures.

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Fixed Deposit Calculator

Want to know how much you can earn on fixed retainer ? Here is a fixed retainer   calculator that lets you identify the maturity amount and the interest earned when you open a Fixed retainer  .

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Please send your advice and problem to my E-mail address nilesh.harde@gmail.com or visit http://www.financialcalculatorsapp.com/

- Interest Rate now have additional fields for with effect from w.e.f and Type - Fixed retainer  FD, Recurring retainer   RD and Saving Account SA 

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Bank EMI, Fixed Deposit- FD, Recurring Deposit - RD, Monthly Income Scheme - MIS

Bank Loan EMI, FD, RD, MIS Calculator is a easy loan calculation tool, that support the user to fast calculate Bank Loan EMI in just one click. 

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IMPORTANT LINK

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SBI and HDFC Bank will offer higher interest on FDs, see how much interest will be earned

 State Bank of India (SBI) and HDFC will now offer higher interest rates on fixed deposits (FDs).  Both these banks have raised interest rates on FDs.  SBI has increased FD rates for a period of more than 2 years.  According to SBI's website, the revised interest rates have come into effect from February 15.  Also, HDFC Bank has increased interest rates on FDs below Rs 2 crore by 5-10 basis points.  The new rates have been in effect since February 14.

 New interest rate on SBI FD

 

સમયગાળો	જૂના વ્યાજ દર (%)	નવા વ્યાજ દર (%)
7થી 45 દિવસ	2.90	2.9%
46થી 179 દિવસ	3.90	3.90
180થી 210 દિવસ	4.40	4.40
211થી 1 વર્ષ	4.40	4.40
1 વર્ષથી 2 વર્ષ	5.10	5.10
2 વર્ષથી 3 વર્ષ	5.10	5.20
3 વર્ષથી 5 વર્ષ	5.30	5.45
5 વર્ષથી 10 વર્ષ	5.40	5.50

 The SBI also revised interest rates last month

 Last month, SBI raised interest rates on 1-year FDs from 5 to 5.10%.  Similarly, the interest rate for senior citizens has been increased from 5.50 to 5.60%.  The new interest rates came into effect on January 15.

 New interest rate on HDFC's FD

સમયગાળો	જૂના વ્યાજ દર (%)	નવા વ્યાજ દર (%)
7દિવસથી 29 દિવસ	2.50	2.50
30 દિવસથી 90 દિવસ	3.00	3.00
91 દિવસથી 6 મહિના	3.50	3.50
6 મહિના 1 દિવસ 1 વર્ષ	4.40	4.40
1 વર્ષ	4.90	5.00
1 વર્ષ 1 દિવસથી 2 વર્ષ	4.90	5.00
2 વર્ષ 1 દિવસથી 3 વર્ષ	5.15	5.20
3 વર્ષ 1 દિવસથી 5 વર્ષ	5.30	5.45
5 વર્ષ 1 દિવસથી 10 વર્ષ	5.50	5.60

 Many banks have changed interest rates

Click Here News Report

 Recently, the Central Bank of India and UCO Bank revised the interest rates on Fixed Deposit (FD).  Earlier, Bank of India (SBI), HDFC and Kotak Mahindra Bank had also revised FD interest rates.

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