The latest fixed deposit interest rates of Suryoday Small Finance Bank FD 2026 range from 4.00% p.a. to 8.25% p.a. and 4.15% p.a. to 8.50% p.a. for the senior citizens. The bank has various plans for fixed deposits with tenures ranging from 7 days to 10 years. With the Suryoday Bank credit card on FD, you can earn competitive interest rates, lifetime free with no hidden charges
A Suryoday Small Finance Bank FD requires a minimum investment of ₹1,000. There are regular FDs as well as tax-saving FDs with a 5-year lock-in. Senior citizens enjoy a 0.40% higher interest rate, and interest can be received once a month, every quarter, every six months, or at maturity, as applicable. The Suryoday Credit card against FD can keep your money safely tucked away in a Fixed Deposit, where it continues to grow with interest, while still having a powerful credit card to use for your daily shopping and bills, all without needing.
Suruyoday Small Finance Bank offers you a loan against FD up to 90% of the amount deposited, with an interest rate of approximately 2% per year, in addition to the general rates. Both online and offline deposit methods are available for added convenience.
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 has cut its repo rate by as much as 100 bps in 2026. The highest rate offered by Suryoday Small Finance Bank to general citizens is 8.10% p.a., and 8.25% p.a. for senior citizens, for deposits below 3 crore.
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% | 4.15% |
| 15 Days to 45 Days | 4.25% | 4.40% |
| 46 Days to 90 Days | 4.50% | 4.65% |
| 91 Days to 182 Days | 5.00% | 5.15% |
| 183 Days to 183 Days | 6.50% | 6.65% |
| 184 Days to 273 Days | 5.50% | 5.65% |
| 274 Days to 364 Days | 6.00% | 6.15% |
| 365 Days to 365 Days | 7.25% | 7.40% |
| 367 Days to 546 Days | 7.25% | 7.40% |
| 547 Days to 547 Days | 8.01% | 8.16% |
| 548 Days to 730 Days | 7.25% | 7.40% |
| 731 Days to 912 Days | 7.25% | 7.40% |
| 913 Days to 913 Days | 8.10% | 8.25% |
| 914 Days to 1095 Days | 7.25% | 7.40% |
| 1096 Days to 1824 Days | 6.75% | 6.90% |
| 1825 Days to 1825 Days | 8.25% | 8.50% |
| 3649 Days to 3649 Days | 7.25% | 7.40% |
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 7% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| Abhyudaya Cooperative Bank | 3.75% | 6.35% |
| Shriram Finance Ltd | 7% | 7.85% |
| Bajaj Finance Ltd | 6.8% | 7.75% |
| Mahindra Finance Ltd | 6.4% | 7.25% |
| AU Small Finance Bank | 3.5% | 7.4% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 8.1% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.25% |
| DCB Bank | 6% | 7.25% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.8% |
*FD interest rates w.e.f. October 2026 (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 who are eligible for the Suryoday Small Finance Bank FD account are as follows -
Suryoday Small Finance Bank offers competitive FD interest rates for both general and senior citizens, often standing out as a top contender when you are researching which Bank Has the Highest FD Interest Rates. These FDs are designed to accommodate different saving preferences, thanks to the low deposit amounts required, flexible payouts, and special tax-saving schemes eligible under Section 80C of the Income Tax Act. Generally, FD interest rates are based on the depositor's selected tenure, type, and category.
10 Feb 2026
Fixed deposit (FD) interest rates in India currently range from
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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 7.4% 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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