FD interest rates: These 7 banks offer the highest returns on long-term fixed deposits

Core Insights - Conservative investors prefer fixed deposits (FDs) for their safety and fixed returns, but should compare interest rates across banks before investing [1] - A difference of 50 basis points can lead to significant additional income, especially with larger amounts and longer tenors [2] Interest Rates Offered by Banks - HDFC Bank offers 6.45% for regular citizens and 6.95% for senior citizens on three-year FDs, with the highest rates for tenors between 18 and 21 months [3] - ICICI Bank provides 6.6% for regular citizens and 7.2% for senior citizens on three-year FDs [3] - Kotak Mahindra Bank offers 6.4% for regular citizens and 6.9% for senior citizens on three-year FDs, with higher rates for tenors between 391 days and less than two years [4] - Federal Bank has rates of 6.7% for regular citizens and 7.2% for senior citizens on three-year FDs, which are the highest offered by the bank [4] - State Bank of India (SBI) offers 6.3% for regular citizens and 6.8% for senior citizens on three-year FDs, with the highest rates for tenors between two and three years [5] - Canara Bank provides 6.25% for regular citizens and 6.75% for senior citizens on three-year FDs, with the highest rates for a tenor of 444 days [5] - Union Bank of India offers 6.6% for regular citizens and 7.1% for senior citizens on three-year FDs [6]