Amongst all bank categories, small finance banks are offering the highest FD interest rates. Within the small finance bank category, Suryoday Small Finance Bank is offering the highest slab rates of 7.49% p.a. followed by Jana Small Finance Bank, offering FD rates of 7.35% p.a.
*Additional 25 bps for tenure 366 days to 3650 days are offered to senior citizen FD depositors
The interest rates are updated as of 21 July 2022
Suryoday Small Finance Bank
The FD interest rates offered by Suryoday Small Finance Bank are in the range of 3.25-7.49% p.a. for the general public. Senior citizens FD interest rates range from 3.75-7.99% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 6.75% p.a. for the general public and 7.25% p.a. for senior citizen depositors.
| Highest slab rate | 7.49% p.a. (for 999 days) |
| For 1 years | 6.50% p.a. |
| For 2 years | 6.50% p.a. |
| For 3 years | 7.00% p.a. |
| For 4 years | 6.50% p.a. |
| For 5 years | 6.75% p.a. |
| Tax-Saving FD | 6.75% p.a. |
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Jana Small Finance Bank
The FD interest rates offered by Jana Small Finance Bank are in the range of 2.50-7.35% p.a. for the general public. Senior citizens FD interest rates range from 3.30-8.15% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 7.25% p.a. for the general public and 8.05% p.a. for senior citizen depositors.
| Highest slab rate | 7.35% p.a. (for above 3 years to less than 5 years) |
| For 1 year | 7.00% p.a. |
| For 2 years | 7.25% p.a. |
| For 3 years | 7.25% p.a. |
| For 4 years | 7.35% p.a. |
| For 5 years | 7.25% p.a. |
| Tax-Saving FD | 7.25% p.a. |
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Utkarsh Small Finance Bank
The FD interest rates offered by Utkarsh Small Finance Bank are in the range of 3.00-7.25% p.a. for the general public. Senior citizens FD interest rates range from 3.50-7.75% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 6.75% p.a. for the general public and 7.25% p.a. for senior citizen depositors.
| Highest slab rate | 7.25% p.a. (for 700 to 1000 days) |
| For 1 year | 6.90% p.a. |
| For 2 years | 7.25% p.a. |
| For 3 years | 6.75% p.a. |
| For 4 years | 6.75% p.a. |
| For 5 years | 6.75% p.a. |
| Tax-Saving FD | 6.75% p.a. |
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ESAF Small Finance Bank
The FD interest rates offered by ESAF Small Finance Bank are in the range of 4.00-7.25% p.a. for the general public. Senior citizens’ FD interest rates range from 4.50-7.75% p.a. The bank offers FD tenures from 7 days to 10 years.
| Highest slab rate | 7.25% p.a. (for 2 years to less than 3 years) |
| For 1 year | 5.50% p.a. |
| For 2 years | 7.25% p.a. |
| For 3 years | 5.75% p.a. |
| For 4 years | 5.75% p.a. |
| For 5 years | 5.25% p.a. |
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Ujjivan Small Finance Bank
The FD interest rates offered by Ujjivan Small Finance Bank are in the range of 2.90-7.20% p.a. for the general public. Senior citizens FD interest rates range from 3.40-7.70% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 7.20% p.a. for the general public and 7.70% p.a. for senior citizen depositors.
| Highest slab rate | 7.20% p.a. (for 990 days  & 42 months 1 day to 60 months) |
| For 1 year | 6.70% p.a. |
| For 2 years | 7.10% p.a. |
| For 3 years | 6.50% p.a. |
| For 4 years | 7.20% p.a. |
| For 5 years | 7.20% p.a. |
| Tax-Saving FD | 7.20% p.a. |
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SBM Bank
The FD interest rates offered by SBM Bank are in the range of 2.10-7.05% p.a. for the general public. Senior citizens FD interest rates range from 2.60- 7.55% p.a. The bank offers FD tenures from 7 days to 10 years.
| Highest slab rate | 7.05% p.a. (for 367 days) |
| For 1 year | 6.00%Â p.a. |
| For 2 years | 5.85%Â p.a. |
| For 3 years | 5.85%Â p.a. |
| For 4 years | 5.85%Â p.a. |
| For 5 years | 5.85%Â p.a. |
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Fincare Small Finance Bank
The FD interest rates offered by Fincare Small Finance Bank are in the range of 3.00-7.00% p.a. for the general public. Senior citizens FD interest rates range from 3.50-7.50% p.a. The bank offers FD tenures from 7 days to 84 months. The interest rate for Tax Saving FDs is 7.00% p.a. for the general public and 7.50% p.a. for senior citizen depositors.
| Highest slab rate | 7.00% p.a. (for 36 months 1 day to 42 months & 59 months 1 day to 66 months) |
| For 1 year | 6.25% p.a. |
| For 2 years | 6.50% p.a. |
| For 3 years | 6.50% p.a. |
| For 4 years | 6.75% p.a. |
| For 5 years | 7.00% p.a. |
| Tax-Saving FD | 7.00% p.a. |
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North East Small Finance Bank
The FD interest rates offered by North East Small Finance Bank are in the range of 3.00-7.00% p.a. for the general public. Senior citizens FD interest rates range from 3.50-7.50% p.a. The bank offers FD tenures from 7 days to 3650 days.
| Highest slab rate | 7.00% p.a. (for 1111 days) |
| For 1 year | 5.00% p.a. |
| For 2 years | 6.75% p.a. |
| For 3 years | 6.75% p.a. |
| For 4 years | 6.50% p.a. |
| For 5 years | 6.50% p.a. |
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Shivalik Small Finance Bank
The FD interest rates offered by Shivalik Small Finance Bank are in the range of 3.50-7.00% p.a. for the general public. Senior citizens’ FD interest rates range from 4.00-7.50% p.a. The bank offers FD tenures from days to 999 days and above.
| Highest slab rate | 7.00% (for 730 days to 998 days) |
| For 1 year | 5.75% p.a. |
| For 2 years | 7.00% p.a. |
| For 3 years | 5.50% p.a. |
| For 4 years | 5.50% p.a. |
| For 5 years | 5.50% p.a. |
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AU Small Finance Bank
The FD interest rates offered by AU Small Finance Bank are in the range of 3.75-6.90% p.a. for the general public. Senior citizens FD interest rates range from 4.25-7.40% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate on AU Small Finance Bank Tax Saving FDs is 6.90% p.a. for the general public and 7.40% p.a. for senior citizen depositors for tenures of 5 years.
| Highest slab rate | 6.90% p.a. (for 24 months 1 day – 45 months; 60 months – 120 months) |
| For 1 year | 5.35% p.a. |
| For 2 years | 6.45% p.a. |
| For 3 years | 6.90% p.a. |
| For 4 years | 6.45% p.a. |
| For 5 years | 6.90% p.a. |
| Tax-Saving FD | 6.90% p.a. |
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RBL Bank
RBL Bank offers FD interest rates of 3.25-6.65% p.a. to the general public and 3.75- 7.15% p.a. to senior citizens on tenures ranging from 7 days to 20 years. The interest rate on RBL Bank Tax Saving FDs is 6.30% p.a. for the general public and 6.80% p.a. for senior citizen depositors for tenures of 60 months.
| Highest slab rate | 6.65% (for 15 months ) |
| For 1 year | 6.25%Â p.a. |
| For 2 years | 6.50%Â p.a. |
| For 3 years | 6.30%Â p.a. |
| For 4 years | 6.30%Â p.a. |
| For 5 years | 6.30%Â p.a. |
| Tax-Saving FD | 6.30%Â p.a. |
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DCB Bank
The FD interest rates offered by DCB Bank are in the range of 4.80-6.60% p.a. for the general public. Senior citizens FD interest rates range from 5.30- 7.10% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 6.60% p.a. for the general public and 7.10% p.a. for senior citizen depositors.
| Highest slab rate | 6.60% (for 3 years to 10 years) |
| For 1 year | 6.10% p.a. |
| For 2 years | 6.60% p.a. |
| For 3 years | 6.60% p.a. |
| For 4 years | 6.60%Â p.a. |
| For 5 years | 6.60%Â p.a. |
| Tax-Saving FD | 6.60%Â p.a. |
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IndusInd Bank
The FD interest rates offered by IndusInd Bank are in the range of 2.75-6.50% p.a. for the general public. Senior citizens FD interest rates range from and 3.25-7.00% p.a. The bank offers FD tenures from 7 days to 10 years. The interest rate for Tax Saving FDs is 6.50% p.a. for the general public and 7.00% p.a. for senior citizen depositors.
| Highest slab rate | 6.50% p.a. (for 2 years to below 61 months) |
| For 1 year | 6.00% p.a. |
| For 2 years | 6.50% p.a. |
| For 3 years | 6.50% p.a. |
| For 4 years | 6.50% p.a. |
| For 5 years | 6.50% p.a. |
| Tax-Saving FD | 6.50% p.a. |
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