Suryoday Small Finance Bank has increased interest rates on fixed deposits (FDs), offering an annual return of 8% on 5-year deposits.
This is one of the highest FD rates currently available in the market. The new rates are effective from December 3, 2025.
Both regular customers and senior citizens are eligible for the 8% interest on 5-year FDs.
For shorter-term deposits, the interest rates are lower, with a 7.25% return on 1-year FDs.
FD Interest Rates Across Different Tenures
Here’s a breakdown of the bank’s FD interest rates:
7–14 days: 4.00%
6 months 1 day: 6.75%
18 months: 7.50%
3–5 years: 6.75%
5 years: 8% (highest rate, senior citizens get 0.20% extra on most slabs)
The 5-year FD remains the most attractive option for long-term investors looking for maximum returns.
Safety with DICGC Insurance
All FD, savings, and recurring deposit (RD) accounts with Suryoday Bank are covered under DICGC insurance up to ₹5 lakh.
This means your principal and interest are protected even if the bank faces financial issues.
This insurance coverage provides added confidence for depositors while investing their money.
