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Fixed deposits (FDs) continue to be one of the most preferred investment options for Indians seeking stable returns with minimal risk. If you’re planning to park your money in a three-year FD in 2026, comparing interest rates across banks and finance companies can help maximise your returns.<\/p>
With interest rates remaining attractive across several small finance banks and non-banking financial companies (NBFCs), investors have multiple options to earn higher returns while keeping their investments relatively secure. Senior citizens, in particular, continue to enjoy additional interest benefits.<\/p>
Among institutions accepting deposits below \u20b92 crore, Shriram Finance currently offers the highest interest rate on a three-year fixed deposit. The company pays 7.60% per annum to general investors and 8.10% per annum to senior citizens.<\/p>
Among banks, AU Small Finance Bank offers one of the highest rates at 7.10% for general customers and 7.29% for senior citizens.<\/p>
Small Finance Banks on the top<\/strong><\/p> Small finance banks have consistently offered higher FD rates than many commercial banks to attract retail deposits.<\/p> Besides AU Small Finance Bank, Equitas Small Finance Bank offers 7.00% per annum to general depositors and 7.50% to senior citizens for a three-year tenure.<\/p> Both banks provide flexible interest payout options and premature withdrawal facilities, making them suitable for investors who may require liquidity before maturity.<\/p> NBFCs remain competitive<\/strong><\/p> Finance companies also continue to offer attractive returns on fixed deposits.<\/p> Shriram Finance tops the list with 7.60% for general citizens and 8.10% for senior citizens. It also offers flexible payout options, including monthly, quarterly, half-yearly, yearly and cumulative interest payments. Women depositors are eligible for an additional 0.50 percentage point on eligible deposits.<\/p> Mahindra Finance offers 7.00% for general investors and 7.35% for senior citizens under its Samruddhi Cumulative Deposit Scheme. The interest is compounded annually.<\/p> Similarly, Sundaram Finance offers 7.00% for general customers and 7.50% for senior citizens, along with nomination and premature withdrawal facilities.<\/p> MUST READ:\u00a0SBI vs other public sector banks: Which PSU bank offers the highest FD interest rates in July 2026?<\/strong><\/p> Public Sector Banks offer stability<\/strong><\/p> While public sector banks generally offer lower interest rates than small finance banks and NBFCs, they remain popular because of their strong brand value and extensive branch network.<\/p> Canara Bank currently offers 6.25% per annum for general depositors and 6.75% for senior citizens on a three-year FD. Premature withdrawal is permitted, although deposits below \u20b92 crore attract a 1% penalty.<\/p> DID YOU KNOW:\u00a0Looking for the best FD? These banks are offering up to 8.10% interest in July 2026<\/strong><\/p> Punjab & Sind Bank offers 5.85% for general investors and 6.35% for senior citizens.<\/p> Best 3-Year FD Interest Rates (Deposits below \u20b92 crore)<\/strong><\/p> What should investors look for?<\/strong><\/p> Experts say interest rate should not be the only factor while selecting a fixed deposit.<\/p> Investors should also evaluate the issuer’s credit profile, premature withdrawal rules, interest payout options, liquidity needs and taxation before investing.<\/p> For deposits with NBFCs, checking the company’s credit ratings is particularly important, as higher returns may come with relatively higher credit risk compared with bank deposits.<\/p> MUST READ:\u00a0NRE Fixed Deposits: Which banks offer the highest interest rates for NRIs in 2026?<\/strong><\/p> Why FDs still matter<\/strong><\/p> Despite the growing popularity of market-linked investments such as mutual funds and equities, fixed deposits continue to play an important role in financial planning.<\/p> They provide assured returns, capital protection and predictable income, making them suitable for conservative investors, retirees and individuals saving for short- to medium-term goals.<\/p> With several institutions currently offering interest rates of 7% or more on three-year deposits, investors may find this an opportune time to lock in attractive returns before rates begin to soften.<\/p> <\/div> #Planning #3year #fixed #deposit #banks #NBFCs #offer #interest #rates1783907986<\/p> ","protected":false},"excerpt":{"rendered":" Fixed deposits (FDs) continue to be one of the most preferred investment options for Indians seeking stable returns with minimal risk. If you’re planning to park your money in a three-year FD in 2026, comparing interest rates across banks and finance companies can help maximise your returns. With interest rates remaining attractive across several small […]<\/p>\n","protected":false},"author":1,"featured_media":11517,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[32058,10177,10236,18202,1121,36018,6532,1170,1122],"class_list":["post-11516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-content-marketing","tag-3year","tag-banks","tag-deposit","tag-fixed","tag-interest","tag-nbfcs","tag-offer","tag-planning","tag-rates"],"acf":[],"_links":{"self":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts\/11516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11516"}],"version-history":[{"count":0,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts\/11516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/media\/11517"}],"wp:attachment":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11516"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Bank\/Company<\/strong><\/th> General<\/strong><\/th> Senior Citizens<\/strong><\/th> <\/tr> <\/thead> Shriram Finance<\/strong><\/td> 7.60%<\/strong><\/td> 8.10%<\/strong><\/td> <\/tr> AU Small Finance Bank<\/td> 7.10%<\/td> 7.29%<\/td> <\/tr> Mahindra Finance<\/td> 7.00%<\/td> 7.35%<\/td> <\/tr> Sundaram Finance<\/td> 7.00%<\/td> 7.50%<\/td> <\/tr> Equitas Small Finance Bank<\/td> 7.00%<\/td> 7.50%<\/td> <\/tr> Canara Bank<\/td> 6.25%<\/td> 6.75%<\/td> <\/tr> Punjab & Sind Bank<\/td> 5.85%<\/td> 6.35%<\/td> <\/tr> <\/tbody> <\/table>