5-Year Fixed Deposit Rates India

Comparable tenure anchor

Compare the same tenure, not each bank's headline maximum.

This page uses only the 5 years anchor directly stored from each reviewed bank schedule. We do not interpolate between tenure bands, and each row keeps its own effective/reference date.

Comparison rule22 products publish this anchor.

Ordinary retail/callable deposits are separated from bulk and non-callable structures so a higher special rate is not presented as universally available.

Comparable retail/callable schedule

5-Year rates ordered by the stored general-customer anchor.

Ordering is a snapshot comparison, not a recommendation. Deposit amount, eligibility, senior status, payout mode, premature withdrawal and the bank's live booking screen can change the applicable rate.

Research matrix: Bank / product; General; Eligible senior
Bank / product	General	Eligible senior
YES BANK Fixed DepositYES BANK · Retail / callable · June 2, 2026	6.75%	7.50%
AU Small Finance Bank Regular Fixed DepositAU Small Finance Bank · Retail / callable · September 1, 2026	6.75%	7.25%
IDFC FIRST Bank Fixed DepositIDFC FIRST Bank · Retail / callable · July 25, 2026	6.75%	7.00%
Federal Bank Fixed DepositFederal Bank · Retail / callable · August 17, 2026	6.40%	6.90%
HDFC Bank Fixed DepositHDFC Bank · Retail / callable · August 19, 2026	6.40%	6.90%
Canara Bank Domestic Callable Fixed DepositCanara Bank · Retail / callable · March 17, 2026	6.25%	6.75%
Kotak Mahindra Bank Regular Fixed DepositKotak Mahindra Bank · Retail / callable · June 10, 2026	6.25%	6.75%
SBI Retail Domestic Term DepositState Bank of India · Retail / callable · December 15, 2025	6.05%	7.05%

Different eligibility / structure

Special structures publishing the same tenure anchor.

These are not mixed into the ordinary retail ordering because higher minimum amounts, non-callability or other eligibility conditions make them a different decision.

ICICI BankFixed deposit

ICICI Bank Tax Saver Fixed Deposit

ICICI Bank’s fixed five-year Tax Saver FD for individuals/HUFs, with ₹10,000 minimum, ₹1.5 lakh per-PAN aggregate cap, cumulative or regular payout choices and no normal premature closure.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceICICI Bank’s current FD schedule effective 4 September 2026 places the 3-years-1-day-to-5-years bucket at 6.50% p.a. general and 7.10% p.a. senior citizen; the Tax Saver FD is fixed at exactly five years.

Best fitEligible ICICI Bank customers who want a current five-year locked deposit with clear online opening and maturity rules and can accept taxable interest.

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Federal BankFixed deposit

Federal Bank Deposit Plus (Non-Callable)

Federal Bank’s non-callable Deposit Plus for high-value resident and NRO term deposits, with a separate premium rate ladder and no normal premature closure.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceDeposit Plus rates effective 17 August 2026 reach 6.85% p.a. for general customers and 7.35% p.a. for eligible senior citizens at the reviewed 48-month tenor.

Best fitDepositors with more than ₹1 crore who are certain they can hold to maturity and want to compare a non-callable premium rate with ordinary callable Federal Bank FDs.

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Federal BankFixed deposit

Federal Bank NRE Deposit Plus

Federal Bank’s non-callable NRE Deposit Plus for high-value NRE term deposits, using a separate premium rate ladder in exchange for giving up ordinary premature-withdrawal flexibility.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceNRE Deposit Plus rates effective 17 August 2026 run from 6.35% at 1 year to 6.85% at 48 months for the reviewed below-₹3-crore band.

Best fitNRE depositors with more than ₹1 crore who are certain they can hold to maturity and want to compare the premium non-callable ladder with Federal’s ordinary callable NRE FD.

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Federal BankFixed deposit

Federal Bank Tax Savings Deposit

Federal Bank’s five-year Tax Savings Deposit with ₹100 minimum, ₹1.5 lakh maximum, quarterly compounding and no normal premature withdrawal or loan facility.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceFederal states that Resident Term Deposit rates also apply to Federal Tax Savings Deposits. Under the schedule effective 17 August 2026, the above-48-months-to-10-years band is 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.

Best fitEligible Federal Bank customers who want a five-year locked deposit whose current rate can be tied directly to Federal’s resident term-deposit schedule.

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HDFC BankFixed deposit

HDFC Bank Five-Year Tax Saving Fixed Deposit

HDFC Bank’s resident five-year tax-saving FD with a fixed statutory lock-in, ₹5,000 minimum, ₹1.5 lakh financial-year cap and monthly, quarterly or reinvestment-style interest choices under current terms.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceThe product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.

Best fitEligible resident individuals or HUFs using a deduction-eligible tax regime who want a large-bank five-year locked deposit and can accept taxable interest plus no normal liquidity during the lock-in.

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Federal BankFixed deposit

Federal Bank NRE Fixed Deposit

Federal Bank's NRE term deposit with a current 17 August 2026 rate ladder, one-year minimum tenure and no NRI senior-citizen rate addition.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceFor single deposits below ₹300 lakh effective 17 August 2026, the reviewed NRE schedule runs from 6.25% at 1 year to a 6.70% 48-month rate, with 6.40%–6.50% across surrounding bands.

Best fitFederal Bank NRI customers who want an INR NRE term deposit with a clearly published current tenure ladder.

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Federal BankFixed deposit

Federal Bank NRO Fixed Deposit

Federal Bank's NRO fixed deposit uses the bank's current resident/NRO term-deposit rate ladder while retaining NRO taxation and repatriation treatment.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceFederal states resident term-deposit rates are also applicable to NRO Fixed Deposits; the reviewed schedule effective 17 August 2026 reaches 6.70% at 48 months for the general/NRO rate.

Best fitFederal Bank NRI customers who want to term-deposit Indian-source rupee funds with access to the bank’s ordinary callable deposit ladder.

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HDFC BankFixed deposit

HDFC Bank NRE Fixed Deposit

HDFC Bank's rupee NRE term deposit for eligible overseas funds, with a 1-to-10-year tenure, full repatriability and Indian tax-exempt interest under current NRE treatment.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceFor deposits below ₹3 crore, the reviewed Domestic/NRO/NRE schedule effective 19 August 2026 pays 6.25% at 1 year, 6.45% around the 18-month-to-3-year bands and 6.50% in the 3-year-1-day to under-4-year-7-month band. Senior-citizen additions do not apply to NRIs.

Best fitNRIs/PIOs who want to convert eligible overseas funds into an INR term deposit while preserving full repatriability and NRE tax treatment.

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HDFC BankFixed deposit

HDFC Bank NRO Fixed Deposit

HDFC Bank's NRO rupee fixed deposit for Indian-source NRI funds, with tenures from 7 days to 10 years, taxable interest and NRO repatriation rules.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceThe same reviewed below-₹3-crore Domestic/NRO/NRE schedule effective 19 August 2026 applies to ordinary callable NRO deposits; senior-citizen additions do not apply to NRIs.

Best fitNRIs/PIOs who need to term-deposit Indian-source rupee balances and can work within NRO tax and outward-remittance rules.

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Canara BankFixed deposit

Canara Bank Tax Saver Scheme

Canara Bank’s five-year Tax Saver Scheme under its Fixed Deposit/Kamadhenu streams, with ₹100 minimum, ₹1.5 lakh maximum, multiple payout modes and a death exception to the normal no-preclosure rule.

First-party checked2 bank sourcesReviewed September 10, 2026

Current rate evidenceCanara’s domestic callable schedule below ₹3 crore is effective 17 March 2026; the five-years-to-ten-years rate is 6.25% p.a. general and 6.75% p.a. for eligible resident senior citizens.

Best fitEligible public-sector-bank depositors who want a low minimum tax-saving FD and value a clearly documented death exception and payout-mode choices.

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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank Tax Saving Fixed Deposit

Kotak Mahindra Bank’s five-year tax-saving FD starting at ₹100, capped at ₹1.5 lakh for the qualifying investment, with quarterly payout or reinvestment and no premature/partial withdrawal during the lock.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceKotak’s current domestic/NRO/NRE callable rate table is effective 10 June 2026; the five-years-and-above-to-10-years band is 6.25% p.a. general and 6.75% p.a. for eligible resident senior citizens.

Best fitEligible Kotak customers who want a low-entry tax-saving deposit and can hold for the full five-year lock-in.

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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRE Fixed Deposit

Kotak's NRE fixed deposit for repatriable overseas funds, using the bank's current Domestic/NRO/NRE callable rupee rate schedule.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceThe reviewed Domestic/NRO/NRE callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.

Best fitKotak NRI customers who want a rupee term deposit with full NRE principal/interest repatriability and Indian tax-exempt interest.

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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRO Fixed Deposit

Kotak's NRO fixed deposit for Indian-source NRI funds, using the current shared Domestic/NRO/NRE rupee rate schedule with NRO tax and repatriation treatment.

First-party checked3 bank sourcesReviewed September 10, 2026

Current rate evidenceThe current callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.

Best fitKotak NRI customers placing Indian-source rupee funds into a term deposit while retaining NRO-compliant repatriation.

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State Bank of IndiaFixed deposit

SBI Domestic Bulk Term Deposit ₹3 Crore+

SBI's ₹3 crore-and-above domestic bulk deposit with a dated rate table that explicitly shows revised August 2026 rates beside the previous May 2026 schedule.

First-party checked2 bank sourcesReviewed September 9, 2026

Current rate evidenceRevised public rates effective 15 August 2026 range from 4.25% for 7–14 days to 6.25% for 1 year to under 2 years; eligible senior-citizen bulk rates in the same table range from 4.75% to 6.75%.

Best fitBusinesses, institutions and high-value depositors comparing large SBI term deposits where deposit band and effective date materially change the rate.

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Move across tenures

Check whether the ordering changes at another maturity.

A bank that leads at one year may not lead at three or five years. Use the exact tenure you intend to book.

5-Year Fixed Deposit Rates in India

Compare the same tenure, not each bank's headline maximum.

5-Year rates ordered by the stored general-customer anchor.

Special structures publishing the same tenure anchor.

Check whether the ordering changes at another maturity.