South Indian Bank (South Indian) is a private sector bank, headquartered in Thrissur, established in 1929. Its headline 1-year FD rate of 6.35% is −0.12% below the private sector average of 6.47%, ranking #13 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 21 Sept 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at South Indian (quarterly compounding)
Rates for deposits below ₹3 crore · General / Senior / Super Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Super Sr. | Trend | Applies to |
|---|---|---|---|---|---|
7–45 days |
3.20% | 3.70% | 3.80% | Below ₹3 crore (retail) | |
7–45 days |
3.05% | 3.70% | 3.80% | ₹3 crore & above (bulk) | |
46–90 days |
4.15% | 4.65% | 4.75% | Below ₹3 crore (retail) | |
46–90 days |
3.95% | 4.65% | 4.75% | ₹3 crore & above (bulk) | |
91–180 days |
5.15% | 5.65% | 5.75% | Below ₹3 crore (retail) | |
91–180 days |
4.95% | 5.65% | 5.75% | ₹3 crore & above (bulk) | |
181 days to < 1 year |
6.05% | 6.55% | 6.65% | Below ₹3 crore (retail) | |
181 days to < 1 year |
5.85% | 6.55% | 6.65% | ₹3 crore & above (bulk) | |
1 year to < 2 years |
6.35% | 6.85% | 6.95% | Below ₹3 crore (retail) | |
1 year to < 2 years |
6.15% | 6.85% | 6.95% | ₹3 crore & above (bulk) | |
2 years to < 3 years |
6.80% | 7.30% | 7.40% | Below ₹3 crore (retail) | |
2 years to < 3 years |
6.60% | 7.30% | 7.40% | ₹3 crore & above (bulk) | |
3 years to < 5 years |
6.20% | 6.70% | 6.80% | Below ₹3 crore (retail) | |
3 years to < 5 years |
6.00% | 6.70% | 6.80% | ₹3 crore & above (bulk) | |
5 years to 10 years |
5.70% | 6.20% | 6.30% | Below ₹3 crore (retail) | |
5 years to 10 years |
5.50% | 6.20% | 6.30% | ₹3 crore & above (bulk) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to < 2 years |
6.35% | 6.85% | Any amount | |
2 years to < 3 years |
6.80% | 7.30% | Any amount | |
3 years to < 5 years |
6.20% | 6.70% | Any amount | |
5 years to 10 years |
5.70% | 6.20% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.75% | 2.75% | All balances |
Deposits with South Indian Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official South Indian 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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