Bank FD Scheme 2025 : If you are looking for a safe investment option with good returns, a 3-year Fixed Deposit (FD) scheme could be the right choice. Several small finance banks are currently offering interest rates as high as 8.8% per annum on FDs. Let’s find out which banks are offering these high-interest FD schemes.
Bank FD Scheme 2025: Earn Up to 8.8% Interest on a 3-Year FD
Fixed Deposit (FD) schemes are considered one of the safest investment options compared to market-linked instruments. However, since the Reserve Bank of India (RBI) has reduced the repo rate several times, many banks have also lowered their FD interest rates.
Despite that, some small finance banks continue to offer attractive interest rates on fixed deposits — especially for senior citizens.
1. Suryoday Small Finance Bank
Suryoday Small Finance Bank offers an interest rate of up to 8.8% per annum on 3-year FDs for senior citizens, and up to 8.40% per annum for regular customers.
The bank provides FD options with different tenures, ranging from 7 days to 10 years, giving investors flexible choices for their deposits.
2. Utkarsh Small Finance Bank
If you want higher returns, Utkarsh Small Finance Bank could be a great option.
- For regular customers, it offers an interest rate of up to 8.75% per annum on a 3-year FD.
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For senior citizens, an additional 0.75% interest is provided, making the total interest rate 8.75%.
Utkarsh Bank also offers flexible FD tenures from 7 days to 10 years, allowing investors to choose as per their financial goals.
3. Unity Small Finance Bank
Unity Small Finance Bank is offering up to 8.5% interest per annum for senior citizens who invest in a 3-year FD scheme. This makes it one of the top contenders among small finance banks for fixed deposit returns.
4. Jana Small Finance Bank
Jana Small Finance Bank offers up to 8.25% interest per annum for senior citizens on 3-year fixed deposits. The bank’s competitive rates and flexible tenure options make it a reliable choice for investors seeking steady returns.
Important Things to Know Before Investing
Before opening an FD with a small finance bank, it is essential to check the bank’s credibility and financial stability.
- Make sure that the FD you choose is insured by DICGC (Deposit Insurance and Credit Guarantee Corporation).
- DICGC provides insurance coverage up to ₹5 lakh per depositor per bank, which ensures safety for small depositors.
- Investors should also evaluate the bank’s financial health and other parameters before investing.
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Be aware of the FD tenure, interest rate, and premature withdrawal penalties before finalizing your investment.
Disclaimer
This article is intended for informational purposes only. Before making any investment or taking any financial risk, please consult your financial advisor.
