FD rates in Chennai · November 2026

Q: Which bank has the highest FD rate in Chennai?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Chennai: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Chennai?

60 of the banks RateScan.in tracks have at least one branch in Chennai, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 54 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Chennai safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

60 banks with a branch in Chennai, ranked by their best fixed-deposit rate.

Banks in Chennai, ranked by FD rate

General public · below ₹3 crore · Dataset refreshed 14 Nov 2026

#	Bank	Rate	Applies to	Branches here
1	Suryoday Small Finance Bank Small Finance	8.25%	5 years	2
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	6
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	4
4	CSB Bank Private	8.00%	501 days · 501-day Special	30
5	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	5
6	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	15
7	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	1
8	Tamil Nadu Industrial Co-operative Bank Co-op	8.00%	37 months upto 60 months	6
9	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	6
10	DCB Bank Private	7.75%	17 months to 20 months	3
11	Equitas Small Finance Bank Small Finance	7.75%	888 days	37
12	Post Office Savings Schemes Government Scheme	7.50%	5 years	112
13	Bandhan Bank Private	7.45%	2 years to less than 3 years	19
14	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	14
15	Tamil Nadu State Apex Co-operative Bank Co-op	7.35%	12 months to under 24 months	–
16	City Union Bank Private	7.30%	556 days to 3 years	59
17	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	10
18	IDFC First Bank Private	7.25%	500 days – 2 years	30
19	IndusInd Bank Private	7.25%	2 years to 3 years	44
20	Karnataka Bank Private	7.25%	15 months only	18
21	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	2
22	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	25
23	The Chennai Central Co-operative Bank Ltd. Co-op	7.25%	12 months to less than 24 months	–
24	The Cosmos Co-operative Bank Ltd. Co-op	7.25%	445 days	2
25	Yes Bank Private	7.25%	18 months 1 day < 24 months	23
26	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	106
27	Doha Bank Q.P.S.C. (India) Foreign	7.15%	400 days	1
28	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	24
29	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	2
30	RBL Bank Private	7.00%	18 months to less than 60 months	31
31	Tamil Nadu Grama Bank Rural	7.00%	2 years to less than 3 years	–
32	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	7
33	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	98
34	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	50
35	Federal Bank Private	6.80%	18 months	29
36	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	95
37	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	44
38	Punjab National Bank Public	6.80%	680 days	107
39	South Indian Bank Private	6.80%	30 months	18
40	Canara Bank Public	6.75%	555 days ## · Canara 555	131
41	Emirates NBD Bank (P.J.S.C.) (India) Foreign	6.75%	375 days	1
42	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	125
43	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	4
44	UCO Bank Public	6.70%	535 days · UCO 535	22
45	Bank of Maharashtra Public	6.65%	400 days · 400-day special	20
46	Axis Bank Private	6.60%	2 years < 3 years	117
47	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	145
48	ICICI Bank Private	6.60%	3 years 1 day to 5 years	128
49	Standard Chartered India Foreign	6.60%	1yr - 376days*	6
50	IDBI Bank Private	6.55%	1100 days · 1100-day Special	33
51	Union Bank of India Public	6.55%	555 days · 555-Day Special	117
52	DBS Bank India Foreign	6.50%	501 days to 540 days	23
53	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	199
54	HSBC India Foreign	6.40%	37 months to less than 48 months	1
55	Sumitomo Mitsui Banking Corporation (India) Foreign	5.65%	184 to 270 days	1
56	Mizuho Bank, Ltd. (India) Foreign	5.40%	Above 15 months to 18 months	1
57	MUFG Bank, Ltd. (India) Foreign	5.20%	Above 1 year up to 2 years	1
58	BNP Paribas (India) Foreign	4.00%	732 days to 1095 days	1
59	Bank of America, N.A. (India) Foreign	3.45%	Above 5 years	1
60	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

60 banks we track have a branch in Chennai. 6 of them are co-operative or regional rural banks, which often pay more than the big national banks. As of 14 Nov 2026, the highest FD rate here is 8.25% at Suryoday Small Finance Bank.

Every rate comes from the bank's own page and is re-read daily. The table ranks each bank by its best rate for a general depositor below ₹3 crore; pick a tenure and amount in the filters to match your deposit. Deposits at these banks are covered by DICGC up to ₹5 lakh per depositor per bank. Branch counts come from RBI's IFSC list.

Best FD rate in Chennai by type of bank

The highest rate in each group, among banks with a branch here.

Public	Central Bank of India	7.00%	2222 days
Private	CSB Bank	8.00%	501 days
Small Finance	Suryoday Small Finance Bank	8.25%	5 years
Rural	Tamil Nadu Grama Bank	7.00%	2 years to less than 3 years
Co-op	Tamil Nadu State Apex Co-operative Bank	7.35%	12 months to under 24 months
Co-op	Tamil Nadu Industrial Co-operative Bank	8.00%	37 months upto 60 months
Co-op	Shamrao Vithal Co-operative Bank Ltd.	7.25%	14 months to below 16 months
Foreign	Doha Bank Q.P.S.C. (India)	7.15%	400 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Tamil Nadu

Coimbatore50 banks8.25%Salem46 banks8.25%

All of Tamil Nadu · All places

Frequently Asked Questions

Which bank has the highest FD rate in Chennai?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Chennai: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Chennai?

60 of the banks RateScan.in tracks have at least one branch in Chennai, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 54 public, private, small finance and other banks.

Are FDs at co-operative banks in Chennai safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

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