₹25 lakh FD for 3 years: what you get back at 33 banks

Last checked 3 November 2026. Card rates for a regular deposit below ₹3 crore.

₹25 lakh in a 3-year fixed deposit grows to ₹31,70,604 at Jana Small Finance Bank, the highest rate in our list at 8.00%. At SBI's 6.30% it becomes ₹30,15,657, which is ₹1,54,947 less. The post office 3-year time deposit at 7.1% would grow it to ₹30,87,688.

₹31.71 lakhBest maturity, Jana SFB

₹6,70,604Interest at the top rate

₹6,98,694Senior citizen interest, Jana SFB

₹5,15,657Interest at SBI

Top 10 banks for ₹25 lakh over 3 years

Bank	Rate	Interest earned	You get back	Senior gets back
Jana Small Finance Bank Small finance bank, ranked 1st of 33	8.00%	₹6,70,604	₹31,70,604	₹31,98,694
Utkarsh Small Finance Bank Small finance bank, ranked 2nd of 33	7.50%	₹6,24,291	₹31,24,291	₹31,61,292
AU Small Finance Bank Small finance bank, ranked 3rd of 33	7.40%	₹6,15,103	₹31,15,103	₹31,61,292
City Union Bank Private, ranked 4th of 33	7.30%	₹6,05,940	₹31,05,940	₹31,24,291
IndusInd Bank Private, ranked 5th of 33	7.25%	₹6,01,367	₹31,01,367	₹31,56,645
Bandhan Bank Private, ranked 6th of 33	7.25%	₹6,01,367	₹31,01,367	₹31,47,370
Ujjivan Small Finance Bank Small finance bank, ranked 7th of 33	7.20%	₹5,96,801	₹30,96,801	₹31,42,741
Equitas Small Finance Bank Small finance bank, ranked 8th of 33	7.10%	₹5,87,688	₹30,87,688	₹31,33,504
IDFC FIRST Bank Private, ranked 9th of 33	7.10%	₹5,87,688	₹30,87,688	₹31,10,518
Yes Bank Private, ranked 10th of 33	7.00%	₹5,78,598	₹30,78,598	₹31,47,370

The big banks for ₹25 lakh over 3 years

Bank	Rate	Interest earned	You get back	Senior gets back
State Bank of India Public sector, ranked 21st of 33	6.30%	₹5,15,657	₹30,15,657	₹30,60,493
HDFC Bank Private, ranked 16th of 33	6.45%	₹5,29,044	₹30,29,044	₹30,74,063
ICICI Bank Private, ranked 17th of 33	6.45%	₹5,29,044	₹30,29,044	₹30,74,063
Axis Bank Private, ranked 14th of 33	6.50%	₹5,33,519	₹30,33,519	₹30,78,598
Kotak Mahindra Bank Private, ranked 18th of 33	6.40%	₹5,24,576	₹30,24,576	₹30,78,598
Bank of Baroda Public sector, ranked 22nd of 33	6.25%	₹5,11,207	₹30,11,207	₹30,55,982
Punjab National Bank Public sector, ranked 20th of 33	6.30%	₹5,15,657	₹30,15,657	₹30,60,493
Canara Bank Public sector, ranked 23rd of 33	6.25%	₹5,11,207	₹30,11,207	₹30,55,982
Union Bank of India Public sector, ranked 27th of 33	6.10%	₹4,97,892	₹29,97,892	₹30,42,486

Interest compounds every quarter and is paid at maturity, before tax. Rates are each bank's card rate for exactly 3 years. See all 33 banks for 3 years.

Is ₹25 lakh fully insured?

DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together. At the top rate, ₹25 lakh grows to ₹31,70,604. To keep every rupee covered, split it across at least 7 banks, about ₹3,57,143 in each.

Will TDS be deducted?

Banks deduct TDS when your total FD interest at that bank in a financial year crosses ₹50,000, or ₹1,00,000 for senior citizens. At 8.00%, ₹25 lakh earns about ₹2,06,080 in the first year, so TDS will be deducted for a regular depositor unless they have other deposits at the same bank. A senior citizen at 8.30% earns about ₹2,14,048 in the first year, so TDS will apply. The interest is taxable at your slab rate either way.

Taking interest out every quarter

If you need regular income, choose quarterly payout. ₹25 lakh at 8.00% pays ₹50,000 every quarter and returns the ₹25 lakh at the end. At SBI it pays ₹39,375 a quarter.

Other amounts and terms

₹1 lakh for 3 years · ₹2 lakh for 3 years · ₹5 lakh for 3 years · ₹10 lakh for 3 years · ₹25 lakh for 1 year · ₹25 lakh for 2 years · ₹25 lakh for 5 years

We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

How much interest will I get on ₹25 lakh FD for 3 years?

At Jana SFB's 8.00% you earn ₹6,70,604 and get back ₹31,70,604. At SBI's 6.30% you earn ₹5,15,657. Both figures assume interest is reinvested every quarter and paid at maturity.

What is the monthly or quarterly interest on ₹25 lakh?

If you take interest out every quarter instead of reinvesting it, ₹25 lakh at 8.00% pays ₹50,000 a quarter. At 6.30% it pays ₹39,375. Monthly payouts are slightly lower than a third of this, because banks discount them.

Is ₹25 lakh in one bank FD safe?

Only up to ₹5 lakh is insured. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together. To keep all of it covered, spread it across at least 7 banks.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate