FD rates in Puducherry · November 2026

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

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Puducherry: 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 Puducherry?

43 of the banks RateScan.in tracks have at least one branch in Puducherry, counted from RBI's IFSC list: 3 co-operative and regional rural banks, and 40 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Puducherry 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.

43 banks with a branch in Puducherry, ranked by their best fixed-deposit rate.

Banks in Puducherry, 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	1
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	1
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	1
4	CSB Bank Private	8.00%	501 days · 501-day Special	3
5	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	3
6	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	4
7	DCB Bank Private	7.75%	17 months to 20 months	1
8	Equitas Small Finance Bank Small Finance	7.75%	888 days	4
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	95
10	Bandhan Bank Private	7.45%	2 years to less than 3 years	1
11	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	3
12	City Union Bank Private	7.30%	556 days to 3 years	6
13	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
14	IDFC First Bank Private	7.25%	500 days – 2 years	2
15	IndusInd Bank Private	7.25%	2 years to 3 years	1
16	Karnataka Bank Private	7.25%	15 months only	1
17	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	2
18	Yes Bank Private	7.25%	18 months 1 day < 24 months	1
19	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	8
20	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	3
21	Puducherry Grama Bank Rural	7.00%	444 days · PuduGB 444 days	–
22	RBL Bank Private	7.00%	18 months to less than 60 months	1
23	The Pondicherry Co-operative Urban Bank Ltd. Co-op	7.00%	2 years to Less than 3 years	1
24	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
25	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	7
26	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	6
27	Federal Bank Private	6.80%	18 months	6
28	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	34
29	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	3
30	Punjab National Bank Public	6.80%	680 days	8
31	South Indian Bank Private	6.80%	30 months	4
32	Canara Bank Public	6.75%	555 days ## · Canara 555	16
33	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	22
34	UCO Bank Public	6.70%	535 days · UCO 535	9
35	Bank of Maharashtra Public	6.65%	400 days · 400-day special	5
36	Axis Bank Private	6.60%	2 years < 3 years	7
37	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	10
38	ICICI Bank Private	6.60%	3 years 1 day to 5 years	7
39	IDBI Bank Private	6.55%	1100 days · 1100-day Special	2
40	Union Bank of India Public	6.55%	555 days · 555-Day Special	8
41	DBS Bank India Foreign	6.50%	501 days to 540 days	4
42	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	28
43	Puducherry State Co-operative Bank Co-op	5.85%	2 to 3 years	21

State

Tenure

Deposit amount

43 banks we track have a branch in Puducherry. 3 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 Puducherry 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	Puducherry Grama Bank	7.00%	444 days
Co-op	Puducherry State Co-operative Bank	5.85%	2 to 3 years
Co-op	The Pondicherry Co-operative Urban Bank Ltd.	7.00%	2 years to Less than 3 years
Foreign	DBS Bank India	6.50%	501 days to 540 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Puducherry?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Puducherry: 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 Puducherry?

43 of the banks RateScan.in tracks have at least one branch in Puducherry, counted from RBI's IFSC list: 3 co-operative and regional rural banks, and 40 public, private, small finance and other banks.

Are FDs at co-operative banks in Puducherry 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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