Suryoday Small Finance Bank (Suryoday) is a small finance bank, headquartered in Navi Mumbai, established in 2017. Its headline 1-year FD rate of 7.25% is +0.53% above the small finance bank average of 6.72%, ranking #1 of 10 small finance banks.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 24 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Suryoday (quarterly compounding)
Rates for deposits below ₹3 crore · General vs 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.
No additional super-senior premium — showing Senior rates.
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 | Trend | Applies to |
|---|---|---|---|---|
7 Days to 14 Days |
4.00% | 4.15% | Below ₹3 crore (retail) | |
15 Days to 45 Days |
4.25% | 4.40% | Below ₹3 crore (retail) | |
46 Days to 90 Days |
4.50% | 4.65% | Below ₹3 crore (retail) | |
91 Days to 6 Months |
5.00% | 5.15% | Below ₹3 crore (retail) | |
6 Month 1 Day 1-day Special |
6.50% | 6.65% | Below ₹3 crore (retail) | |
Above 6 Month 1 Day to 9 Months |
5.50% | 5.65% | Below ₹3 crore (retail) | |
Above 9 Months to less than 1 Year |
6.00% | 6.15% | Below ₹3 crore (retail) | |
1 Year |
7.25% | 7.40% | Below ₹3 crore (retail) | |
Above 1 Year to Less than 18 Months |
7.25% | 7.40% | Below ₹3 crore (retail) | |
18 Months |
7.80% | 7.95% | Below ₹3 crore (retail) | |
Above 18 Months to 2 Years |
7.25% | 7.40% | Below ₹3 crore (retail) | |
Above 2 Years to less than 30 Months |
7.25% | 7.40% | Below ₹3 crore (retail) | |
30 Months |
8.10% | 8.25% | Below ₹3 crore (retail) | |
Above 30 Months to 3 Years |
7.25% | 7.40% | Below ₹3 crore (retail) | |
Above 3 Years to less than 5 Years |
6.75% | 6.90% | Below ₹3 crore (retail) | |
5 Years |
8.25% | 8.50% | Below ₹3 crore (retail) | |
Above 5 Years to 10 Years |
7.25% | 7.40% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year |
7.25% | 7.40% | Any amount | |
Above 1 Year to Less than 18 Months |
7.25% | 7.40% | Any amount | |
18 Months |
7.80% | 7.95% | Any amount | |
Above 18 Months to 2 Years |
7.25% | 7.40% | Any amount | |
Above 2 Years to less than 30 Months |
7.25% | 7.40% | Any amount | |
30 Months |
8.10% | 8.25% | Any amount | |
Above 30 Months to 3 Years |
7.25% | 7.40% | Any amount | |
Above 3 Years to less than 5 Years |
6.75% | 6.90% | Any amount | |
5 Years |
8.25% | 8.50% | Any amount | |
Above 5 Years to 10 Years |
7.25% | 7.40% | Any amount |
Deposits with Suryoday Small Finance 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 Suryoday 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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