Instead of locking everything into one deposit, split it into rungs that mature at different times. Each maturing rung rolls into the longest tenor, so within one cycle the whole ladder earns the top rate while cash still frees up every rung.
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Ladder setup
Rs
years
Rungs tenor in months and the rate your bank quotes for it
Interest is paid at maturity and computed as principal × rate × months ÷ 12. On maturity the whole amount (principal + interest) rolls into the longest rung at that rung's rate. Rates are assumed to stay where they are today.
These tools are provided as they are, for working things out. They are not part of Aether's audited model engine and their results are not checked against it. Satisfy yourself that a number is right before you rely on it.