Sumitomo Mitsui Banking Corporation (India) Fixed Deposit interest rates · November 2026
What will my FD earn at SMBC India?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 30 days 2 slabs at this rate |
4.60% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
31 to 45 days |
4.80% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
46 to 60 days |
4.95% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
61 to 90 days |
5.15% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
91 to 183 days 3 slabs at this rate |
5.35% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
184 to 270 days |
5.65% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 2 Nov 2026 |
271 days to Above 2 years 3 slabs at this rate |
5.65% | – | Below ₹3 crore | 13 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
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SMBC India FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
5.65%- deposits with the pre-mature withdrawal option, below ₹3 crore (the '< 30 mio' column)
Before you book
SMBC India Fixed Deposit: frequently asked questions
What is the highest SMBC India Fixed Deposit interest rate?
As of 14 Nov 2026, Sumitomo Mitsui Banking Corporation (India) offers up to 5.65% p.a. on its fixed deposit (FD) (184 to 270 days) for general customers. Rates below are as published by the bank. Confirm with SMBC India before investing.
What is the SMBC India 1-year FD interest rate?
As of 14 Nov 2026, Sumitomo Mitsui Banking Corporation (India) offers 5.65% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the SMBC India 2-year FD interest rate?
As of 14 Nov 2026, Sumitomo Mitsui Banking Corporation (India) offers 5.65% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the SMBC India 3-year FD interest rate?
As of 14 Nov 2026, Sumitomo Mitsui Banking Corporation (India) offers 5.65% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the SMBC India 5-year FD interest rate?
As of 14 Nov 2026, Sumitomo Mitsui Banking Corporation (India) offers 5.65% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at SMBC India?
Sumitomo Mitsui Banking Corporation (India) does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did SMBC India last change its Fixed Deposit rates?
Sumitomo Mitsui Banking Corporation (India) last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 2 Nov 2026: the general rate for 121 to 150 days went from 5.15% to 5.35%. RateScan.in has tracked SMBC India's rates since 27 Oct 2026.
What fixed deposit (FD) tenures does SMBC India offer?
Sumitomo Mitsui Banking Corporation (India)'s published fixed deposit (FD) rate table has 12 tenure bands, from “7 to 14 days” to “Above 2 years”.
Does SMBC India pay more than the Post Office Time Deposit?
Sumitomo Mitsui Banking Corporation (India) pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.65% (PO 6.90%), 2y 5.65% (PO 7.00%), 3y 5.65% (PO 7.10%), 5y 5.65% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does SMBC India's 1-year FD rate rank?
Sumitomo Mitsui Banking Corporation (India)'s 1-year general FD rate of 5.65% ranks #923 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with SMBC India insured?
Deposits with Sumitomo Mitsui Banking Corporation (India) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these SMBC India rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 13 Nov 2026. Rates can change without notice, so verify on the official SMBC India website before investing.
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Good to know
- Deposits with Sumitomo Mitsui Banking Corporation (India) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- SMBC India is a foreign bank operating in India, regulated by the RBI.
Informational only. Always confirm the current rate on the official SMBC India website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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