Suryoday Small Finance Bank has increased interest rates on its fixed deposits (FDs), offering an annual return of 8% on 5-year deposits.
This rate is among the highest currently available in the market.
The new rates came into effect from December 3, 2025.
Both regular customers and senior citizens are eligible for this attractive 5-year FD rate.
For shorter-term deposits, interest rates are lower but still competitive, with 7.25% on 1-year FDs.
Interest Rates Across Different Tenures
Here’s a breakdown of the bank’s FD interest rates for different periods:
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, with senior citizens earning 0.20% extra on most slabs)
The bank’s long-term 5-year FD remains the most attractive option for those looking to earn maximum returns.
Safety of Deposits with DICGC Insurance
All FD, savings, and recurring deposit (RD) accounts at Suryoday Small Finance Bank are covered under DICGC insurance up to ₹5 lakh.
This means your principal and interest are protected if the bank faces any issues.
This insurance coverage provides added confidence for depositors while investing their money.