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Suryoday Small Finance Bank, established in 2008, is a leading Non-Banking Finance Company (NBFC) headquartered in Maharashtra. The bank is widely known for offering a wide range of FD schemes featuring high-yielding interest rates and flexible tenure.
This article provides a comprehensive guide on Suryoday Small Finance Bank FD rates while highlighting all the associated details that you need to know.
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.00% to 9.10% |
Public Interest Rates | 3.50% to 8.60% |
Highest Interest Rates for Public | 8.60% p.a. |
Highest Interest Rates for Senior Citizens | 9.10% p.a. |
Premature Withdrawal | 1% Penalty |
Minimum Deposit Amount | Rs 1000 |
The interest rates for fixed deposits at Suryoday Small Finance Bank vary based on the type of applicant. The bank provides different interest rates to different applicants. Let us delve into the varying interest rates offered to various applicants.
Take a look at the following table and find out the prevailing Suryoday Bank FD rates that apply to Domestic and NRO applicants:
| FD Tenure | FD Interest Rates |
| 7 days to 14 days | 4.00% |
| 15 days to 45 days | 4.25% |
| 46 days to 90 days | 4.50% |
| 91 days to 6 months | 5.00% |
| Above 6 months to 9 months | 5.50% |
| Above 9 months to less than 1 Year | 6.00% |
| 1 Year | 6.85% |
| Above 1 Year to 15 months | 8.25% |
| Above 15 months to 2 years | 8.50% |
| Above 2 Years to 2 years 1 Day | 8.60% |
| 2 Years and 2 Days | 8.65% |
| 2 Years 3 Days up to less than 25 Months | 8.60% |
| 2 Years and 1 Month (25 Months) | 9.01% |
| More than 25 months up to 3 years | 8.60% |
| Above 3 Years to less than 5 Years | 6.75% |
| 5 Years | 8.25% |
| Above 5 years to 10 years | 7.25% |
The following table outlines the fixed deposit interest rates that apply to NRE customers of Suryoday Small Finance Bank in 2025:
| FD Tenure | FD Interest Rates |
| 1 Year | 6.85% |
| Above 1 Year to 15 months | 8.25% |
| Above 15 months to 2 years | 8.50% |
| Above 2 years to 2 years 1 Day | 8.60% |
| 2 years 2 Days | 8.65% |
| 2 Years 3 Days up to less than 25 Months | 8.60% |
| 2 Years and 1 Month (25 Months) | 9.01% |
| More than 25 months up to 3 years | 8.60% |
| Above 3 Years to less than 5 Years | 6.75% |
| 5 Years | 8.25% |
| Above 5 Years to 10 Years | 7.25% |
Given below are the FD interest rates offered by Suryoday Small Finance Bank under the Non-Callable Fixed Deposit Scheme:
| FD Tenure | FD Interest Rates |
| 1 Year | 7.10% |
| Above 1 Year up to 15 months | 8.50% |
| Above 15 months up to 2 years | 8.75% |
| Above 2 years to 2 years 1 Day | 8.85% |
| 2 years 3 Days up to less than 25 Months | 8.85% |
| More than 25 Months up to 3 Years | 8.85% |
Listed below are the Suryoday Small Finance Bank FD rates that are offered to senior citizen applicants:
| FD Tenure | FD Interest Rates |
| 7 days to 14 days | 4.50% |
| 15 days to 45 days | 4.75% |
| 46 days to 90 days | 5.00% |
| 91 days to 6 months | 5.50% |
| Above 6 months to 9 months | 6.00% |
| Above 9 months to less than 1 Year | 6.50% |
| 1 Year | 7.35% |
| Above 1 Year to 15 months | 8.75% |
| Above 15 months to 2 years | 9.00% |
| Above 2 Years to 2 years 1 Day | 9.10% |
| 2 Years and 2 Days | 9.10% |
| 2 Years 3 Days up to less than 25 Months | 9.10% |
| 2 Years and 1 Month (25 Months) | 9.25% |
| More than 25 months upto 3 years | 9.10% |
| Above 3 Years to less than 5 Years | 7.25% |
| 5 Years | 8.75% |
| Above 5 years to 10 years | 7.75% |
Here is a list of different types of fixed deposit schemes that you can avail from Suryoday Small Finance Bank in 2025.
The following table shows the lowest and highest FD interest rates provided by Suryoday Small Finance Bank in the case of regular and senior citizens:
| Citizens | Lowest Interest Rate | Highest Interest Rate |
| Regular Citizens | 4.00% | 9.01% |
| Senior Citizens | 4.50% | 9.25% |
Suryoday Small Finance Bank provides the option for premature FD withdrawal or closure to FD account holders. However, such withdrawals are subject to a penalty of 1%. Moreover, the interest income is payable for the tenure during which the FD investment remained with the bank, based on the rate that prevailed at the time of account opening.
Interest income from most FD schemes at Suryoday Small Finance Bank, except for the tax-saving scheme, is taxable under the Income Tax Act of 1961. The Tax-Saving FD scheme allows tax deductions up to ₹1.5 lakh, available only for resident individuals and HUF members.
Suryoday offers a range of FD schemes with benefits like high interest, nomination, loans against FD, and auto-renewal. It’s important to review all terms and conditions before choosing an FD scheme and prioritizing the bank's FD rates.
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