The latest interest rates of Suryoday Small Finance Bank FD 2025 range from 4.00% p.a. to 8.20% p.a. and 4.40% p.a. to 8.40% p.a. p.a. for the senior citizens. The bank has various plans for fixed deposits with tenures ranging from 7 days to 10 years.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
A Suryoday Small Finance Bank FD has a minimum of ₹1,000 investment. There are regular FDs as well as tax-saving FDs with 5-year lock-ins that investors can utilise. Senior citizens enjoy 0.40% higher interest, and interest can be received once a month, every quarter, every six months, or at maturity, as per the applicable FD interest rates. Both online and offline means of deposit are available for additional convenience.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
₹1,000
Rs 1,50,000
Yes, available
24x7
Available during Emergency
Extra Benefits
Anytime during an emergency
Same interest rates entire tenure
RBI Cuts its repo rate so far as 100 bps in 2025. The highest rate available on senior citizen FDs is 8.40% which Suryoday Small Finance Bank is offering.
The following are the most recent interest rates for several fixed deposit interest rates offered by Suryoday Small Finance Bank, arranged according to deposit type and tenure:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 4.00% | 4.40% |
| 15 Days to 2 Months | 4.25% | 4.65% |
| 2 Months to 3 Months | 4.50% | 4.90% |
| 3 Months to 6 Months | 5.00% | 5.40% |
| 6 Months | 7.25% | 7.65% |
| 6 Months to 9 Months | 5.50% | 5.90% |
| 9 Months to 12 Months | 6.00% | 6.40% |
| 1 Year | 7.50% | 7.90% |
| 1 Year to 1.2 Years | 7.50% | 7.90% |
| 1.3 Years to 1.5 Years | 7.50% | 7.90% |
| 1.5 Years | 7.50% | 7.90% |
| 1.5 Years to 2 Years | 7.50% | 7.90% |
| 2 Years to 2.5 Years | 7.50% | 7.90% |
| 2.5 Years to 3 Years | 7.75% | 8.15% |
| 3 Years | 7.75% | 8.15% |
| 3 Years to 5 Years | 6.75% | 7.15% |
| 5 Years | 8.20% | 8.40% |
| 5 Years | 7.25% | 7.65% |
| 10 Years | 7.25% | 7.65% |
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3.25% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
Here are the key benefits of Suryoday Small Finance Bank Fixed Deposit:
Suryoday Small Finance Bank offers both online and offline methods to open a Fixed Deposit (FD). Here’s a step-by-step guide based on your preferred mode:
For existing Suryoday Small Finance Bank customers with internet banking:
For those who prefer visiting a branch:
The applicant should be a resident of India. Below are the people you are eligible for the Suryoday Small Finance Bank FD account are as follows -
Suryoday Small Finance Bank offers competitive FD interest rates for general and senior citizens, comparable to those provided by other small finance banks. These FDs are designed to accommodate different saving preferences due to the low amount of deposits required, flexible payouts, and special tax-saving schemes eligible under Section 80C of the Income Tax Act.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
25 Aug 2025
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