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Best 3-month fixed deposit rates in India

Best 3-month rate per provider for a ₹100,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 03:42 UTC.

6-month 12-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Bank of BarodaFixed Deposit, callable (below ₹3 crore)	5.00%≈ ₹1,250 in 3 months	3 months	Not stated	Board rate General public rate; senior citizens get more; Domestic deposits below ₹3 crore; Rows labelled 'Above 1 year ...' are not parsed	Przejdź do banku
IDFC FIRST BankFixed Deposit (below ₹3 crore)	5.00%≈ ₹1,250 in 3 months	3 months	Not stated	Board rate General rate; senior citizens get more; Deposits below ₹3 crore	Przejdź do banku
Ujjivan Small Finance BankDomestic Fixed Deposit (below ₹3 crore)	4.65%≈ ₹1,163 in 3 months	3 months	Not stated	Board rate General rate; senior citizens get +0.50%; Deposits below ₹3 crore	Przejdź do banku
HDFC BankFixed Deposit (below ₹3 crore)	4.25%≈ ₹1,063 in 3 months	3 months	Not stated	Board rate General rate; senior citizens (60+, resident) get more; Deposits below ₹3 crore	Przejdź do banku
Kotak Mahindra BankFixed Deposit (below ₹3 crore, premature withdrawal allowed)	4.00%≈ ₹1,000 in 3 months	3 months	₹5,000 +	Board rate Regular (non-senior) rate; Deposits below ₹3 crore; Minimum ₹5,000	Przejdź do banku

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Deposit protection: DICGC

Limit₹500,000

DICGC insures deposits (savings, current, fixed, recurring) at insured banks up to ₹5 lakh per depositor per bank, principal and interest combined, across all accounts held in the same right and capacity. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.