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Suryoday Small Finance Bank FD Rates
Suryoday Small Finance Bank offers fixed deposit (FD) interest rates ranging from 4.00% to 8.25% p.a. for general citizens and 4.15% to 8.50% p.a. for senior citizens, effective from October 16, 2026. The deposit tenure ranges from 7 days to 10 years.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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- Suryoday Small Finance Bank FD Interest Rates
Suryoday Small Finance Bank FD Interest Rates (Below ₹3 Crore)
The highest Suryoday Small Finance Bank FD rates are 8.25% p.a. for general depositors and 8.50% p.a. for senior citizens, effective from October 16, 2026 (last verified in October 2026).
| Tenure | General Citizens Rates (p.a.) | Senior Citizens Rates (p.a.) |
|---|---|---|
| 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 6 Months | 5.00% | 5.15% |
| 6 Month 1 Day | 6.50% | 6.65% |
| Above 6 Month 1 Day to 9 Months | 5.50% | 5.65% |
| Above 9 Months to less than 1 Year | 6.00% | 6.15% |
| 1 Year | 7.25% | 7.40% |
| 1 Year 1 Day | 7.51% | 7.66% |
| Above 1 Year 1 Day to Less than 18 Months | 7.25% | 7.40% |
| 18 Months | 8.01% | 8.16% |
| Above 18 Months to 2 Years | 7.25% | 7.40% |
| Above 2 Years to less than 30 Months | 7.25% | 7.40% |
| 30 Months | 8.10% | 8.25% |
| Above 30 Months to 3 Years | 7.25% | 7.40% |
| Above 3 Years to less than 5 Years | 6.75% | 6.90% |
| 5 Years | 8.25% Highest | 8.50% Highest |
| Above 5 Years to 10 Years | 7.25% | 7.40% |
*Suryoday Small Finance Bank FD rates effective from October 16, 2026
Suryoday Small Finance FD Interest Rates: Key Highlights
Below are the important things you should know about Suryoday Small Finance fixed deposit interest rates:
| Features | Details |
|---|---|
| FD interest rates | 4.00% to 8.25% p.a. |
| Additional rate for senior citizens | 0.50% |
| Deposit Tenure | 7 days to 10 years |
| Minimum Deposit | ₹1,000 |
| Interest payout options | Monthly, half-yearly, yearly, cumulative |
| Premature Withdrawal | Suryoday Small Finance Premature Withdrawal FD is available |
| Loan against FD | Yes, Suryoday loan against FD is available |
| Credit Card Against FD | Yes, Suryoday Credit Card Against FD facility is available |
Suryoday Small Finance Bank NR Fixed Deposit Below 3 Crore
The highest Suryoday Small Finance Non- Resident Fixed Deposit interest rate is up to 8.25% p.a. for NRE and NRO on its 5-year tenure, effective from October 16, 2026 (last verified in October 2026):
| Period | NRE Interest Rate (p.a.) | NRO Interest Rate (p.a.) |
|---|---|---|
| 7 Days to 14 Days | NA | 4.00% |
| 15 Days to 45 Days | NA | 4.25% |
| 46 Days to 90 Days | NA | 4.50% |
| 91 Days to 6 Months | NA | 5.00% |
| 6 Month 1 Day | NA | 6.50% |
| Above 6 Month 1 Day to 9 Months | NA | 5.50% |
| Above 9 Months to less than 1 Year | NA | 6.00% |
| 1 Year | 7.25% | 7.25% |
| 1 Year 1 Day | 7.51% | 7.51% |
| Above 1 Year 1 Day to Less than 18 Months | 7.25% | 7.25% |
| 18 Months | 8.01% | 8.01% |
| Above 18 Months to 2 Years | 7.25% | 7.25% |
| Above 2 Years to less than 30 Months | 7.25% | 7.25% |
| 30 Months | 8.10% | 8.10% |
| Above 30 Months to 3 Years | 7.25% | 7.25% |
| Above 3 Years to less than 5 Years | 6.75% | 6.75% |
| 5 Years | 8.25% (Highest) | 8.25% (Highest) |
| Above 5 Years to 10 Years | 7.25% | 7.25% |
Suryoday Small Finance Bank NR Fixed Deposit Below 3 Crore, effective from October 16, 2026
Key Takeaways
Suryoday Small Finance Bank offers competitive FD interest rates for both general investors and senior citizens, often standing out as a top contender when you are researching which bank has the highest FD interest rates. Its fixed deposit schemes cater to diverse savings needs with low minimum deposit requirements, flexible payout options, and tax-saving benefits under Section 123 of the Income Tax Act. Ultimately, the specific returns depend on the selected tenure, deposit type, and investor category.
FAQs
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What is the maximum interest rate on Suryoday Small Finance Bank FD?
The highest Suryoday Small Finance Bank FD rate is up to 8.25% p.a. for the general public and up to 8.50% p.a. for senior citizens, effective from October 16, 2026. -
What are the Suryoday Small Finance Bank FD interest rates for senior citizens?
The Suryoday Small Finance Bank senior citizens FD rate starts from 4.15% p.a. to 8.50% p.a., effective from October 16, 2026 (on a 5-year tenure). -
Is there a penalty for premature FD closure in Suryoday Small Finance Bank FD?
Yes, except for 1-year cumulative FDs, where no penalty applies, Suryoday Small Finance Bank FD premature withdrawal attracts an interest rate adjustment and a possible penalty. -
Are tax-saving FDs available in Suryoday Small Finance Bank?
Yes, Suryoday Small Finance Tax Saver FDs with a 5-year lock-in period offer 8.25% p.a. for general customers and 8.50% p.a. for senior citizens.
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10 Feb 2026
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˜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 Insurance Brokers Private Limited 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