3 Years FD Interest Rates: Updated July 2025

If you want to save your money for 3 years, investing in a fixed deposit can be a good option. FD is a common financial tool used by investors wanting to save their money safely and get guaranteed returns. Different banks and NBFCs (Non-Banking Financial Companies) offer attractive interest rates for you to save and grow money without much risk.

Let’s find out the 3 years FD interest rates offered by different banks and NBFCs.

What is Fixed Deposit?

A fixed deposit (FD) is a safe investment option in which an investor deposits a lump sum of money for a particular period at a fixed interest rate. The primary benefit of a fixed deposit is the predictability it gives in terms of returns and the security of the principal amount.

Fixed deposits are a great option for cautious investors who value capital preservation along with a consistent income source. FDs often provide greater interest rates than normal savings accounts, making them an appealing option for storing extra cash. A fixed deposit's term can range from a few months to several years, allowing investors to match their investment horizon to their financial goals.

One notable advantage of fixed deposits is their low-risk profile, as they are usually insured up to ₹5 lakhs under DICGC. You can also get a loan against your FD up to a certain amount allowed by your bank and prematurely withdraw your money in return for a penalty.

3 Year Fixed Deposit Rates: Best Options for 2025

Before applying for a fixed deposit account with any bank, comparing the interest rates offered by different banks is always recommended. It helps you organise your finances as per your future goals and take advantage of getting the highest return.

Here is a detailed 3 years FD interest rates list for your reference.

Book Your FD with Stable Money to Get the Highest Returns

How Much Return on 3 Year FD Should You Expect?

Let us understand the returns that you can expect on a 3 year FD with an example. 

Assume that you book a 3 year fd at the rate of 8.60% of Rs. 5,00,000 with Unity Bank as a general citizen. Towards the end of the maturity period you will get Rs. 6,31,413 out of which Rs. 1,31,413 will be the interest earned.

Similarly, if you book an FD with ICICI Bank for 3 years of Rs. 5,00,000 at the interest rate of 6.60% as a general citizen. Towards the end of the maturity period you will get Rs. 6,08,497 out of which Rs. 1,08,497 will be the interest earned.

Conclusion

Investing money in fixed deposits is easy and fast, with banks offering online services to do so. You can choose any tenure to fix your money as per your present financial suitability and future monetary goals. Before booking an FD for 3 years, make sure to compare 3 years FD interest rates provided by different banks to make an informed decision on your finances.

Along with rates, make sure to read its terms and conditions properly to avoid any financial discrepancies later in the tenure.

Interesting read: SBI 444 Days FD Scheme