All the AAA rated banks are offering more than 9% p.a. interest(but n on are giving 10%) only for the period of 3 yrs plus. While the Fixed Maturity Plans are offering 10% to 10.25% for 12 months and 3 days flat, that too with double indexation benefits. Only the second and third tier banks are offering 9.25% to 9.75% for more than 400 days.