Rates verified from official source

Suryoday Small Finance Bank interest rates · November 2026

Top FD rate
8.25%
5 Years
Senior citizen FD
8.60%
5 Years
Top RD rate
8.25%
5 Years

Suryoday FD rates

1 year7.25%Senior 7.40%3 years7.25%Senior 7.40%5 years8.25%Senior 8.60%
All tenures, calculator and comparison →

What will my FD earn at Suryoday?

Estimated value after 1 year · before tax ₹5,37,248 7.25% p.a. · ₹37,248 interest · quarterly compounding
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Plan your recurring deposit at Suryoday

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

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 0.40% above the small finance bank average of 6.85%, ranking #190 of 1033 banks on RateScan.in.

Headquarters
Navi Mumbai
Established
2017
Monitored since
20 Sept 2026
Ownership
Private (small finance bank)
Operates in
Gujarat, Maharashtra, Madhya Pradesh, Odisha, Puducherry, Tamil Nadu
Financial health
CRAR
30.10%
Capital adequacy
Net NPA
1.60%
Bad loans (net)
Credit rating ICRA
A
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 30 Oct 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names Suryoday Small Finance Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

68 branches in 33 districts

Most branches: Pune 14, Thane 7, Solapur 4

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Suryoday Fixed Deposit rate changes

Changes to Suryoday's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

16 Oct 2026
▲ 2 raised+0.21 pp
  • 18 Months · General7.80% → 8.01% 0.21 pp
  • 18 Months · Senior7.95% → 8.16% 0.21 pp
Bank's rate page ↗

See all Suryoday rate changes →

Credit rating

What independent credit rating agencies say about Suryoday Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

A
Headline rating
Subordinated (Tier II) debt · ICRA · Stable
Adequate safety: low credit risk
Latest rating action: 17 Mar 2026
AgencyInstrument RatingOutlook PublishedSource
ICRA Subordinated (Tier II) debt ₹100 cr A Stable Reaffirmed
17 Mar 2026
 Agency rationale
ICRA Certificates of deposit (short-term) ₹130 cr A1+ – Reaffirmed
17 Mar 2026
 Agency rationale
CRISIL Certificates of deposit (short-term) ₹130 cr A1+ – Reaffirmed
21 Nov 2025
 Agency rationale

Note: Earlier versions of this page showed BBB+ (CRISIL). CRISIL rates only the bank's short-term CDs; ICRA rates its subordinated debt A (Stable).

How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with Suryoday Small Finance Bank 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.
  • Suryoday is a small finance bank licensed and regulated by the RBI.
  • Senior citizens (60+) earn up to 0.35% p.a. more than general customers at Suryoday, depending on the tenure.
  • Suryoday's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 30 Oct 2026 · Ingested 20 Sept 2026 · Verified 13 Nov 2026 · View source

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