FD rates in Surat · November 2026

76 banks with a branch in Surat, ranked by their best fixed-deposit rate.

Banks in Surat, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	6
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	4
3	CSB Bank Private	8.00%	501 days · 501-day Special	6
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	1
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	12
6	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	1
7	The Surat Mercantile Co-op. Bank Ltd. Co-op	8.00%	666 days · Riddhi Siddhi Deposit Scheme	13
8	The Varachha Co-operative Bank Ltd. Co-op	8.00%	3232 days · Dhanlaxmi Bachat Yojana	26
9	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	3
10	Akhand Anand Co-Operative Bank Ltd. Co-op	7.85%	1 year up to less than 2 year	11
11	The Rander Peoples Co-op. Bank Ltd. Co-op	7.80%	786 days · Special scheme 786 days	–
12	DCB Bank Private	7.75%	17 months to 20 months	6
13	Equitas Small Finance Bank Small Finance	7.75%	888 days	6
14	Sarvodaya Sahakari Bank Ltd. Co-op	7.75%	1111 days · 1111 days special scheme	9
15	The Financial Co-operative Bank Ltd. Co-op	7.61%	Above 5 years · Finco Akshay	7
16	Post Office Savings Schemes Government Scheme	7.50%	5 years	645
17	Sarvodaya Commercial Co-operative Bank Ltd. Co-op	7.50%	Above 12 months to 24 months	1
18	Bandhan Bank Private	7.45%	2 years to less than 3 years	12
19	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	13
20	City Union Bank Private	7.30%	556 days to 3 years	6
21	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	3
22	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	2
23	IDFC First Bank Private	7.25%	500 days – 2 years	14
24	IndusInd Bank Private	7.25%	2 years to 3 years	32
25	Karnataka Bank Private	7.25%	15 months only	2
26	Prime Co-operative Bank Ltd. Co-op	7.25%	above 1 years to 3 years	26
27	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	1
28	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	4
29	The Associate Co-operative Bank Ltd. Co-op	7.25%	Above 1 year upto 2 years	7
30	The Cosmos Co-operative Bank Ltd. Co-op	7.25%	445 days	4
31	The Kachchh District Central Co-operative Bank Ltd. Co-op	7.25%	1 year to Less than 2 years	1
32	The Surat Peoples Co-operative Bank Ltd. Co-op	7.25%	555 days · 555-days Deposit Scheme	31
33	The Sutex Co-operative Bank Ltd. Co-op	7.25%	Above 3 years and upto 10 years	18
34	Yes Bank Private	7.25%	18 months 1 day < 24 months	17
35	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	3
36	The Bardoli Nagrik Sahakari Bank Ltd. Co-op	7.10%	Above 2 years to 5 years	6
37	The Nasik Merchants Co-operative Bank Ltd. Co-op	7.10%	Above 24 months to 36 months	1
38	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	26
39	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	1
40	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	1
41	RBL Bank Private	7.00%	18 months to less than 60 months	7
42	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-op	7.00%	1 year	2
43	The Bharat Co-operative Bank (Mumbai) Ltd. Co-op	7.00%	Above 15 months to 2 years	1
44	The Nutan Nagarik Sahakari Bank Ltd. Co-op	7.00%	Above 2 years to 3 years	1
45	The Surat National Co-op. Bank Ltd. Co-op	7.00%	Above 1 year to 2 years	17
46	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	3
47	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	3
48	The Kalyan Janata Sahakari Bank Ltd. Co-op	6.90%	Above 1 year to 18 months	1
49	The Surat District Co-operative Bank Ltd. Co-op	6.90%	Above 3 years to 5 years	–
50	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	195
51	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	32
52	The Mandvi Nagrik Sahakari Bank Ltd. Co-op	6.85%	3 years to 10 years	1
53	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
54	Federal Bank Private	6.80%	18 months	14
55	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	17
56	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	48
57	Punjab National Bank Public	6.80%	680 days	51
58	South Indian Bank Private	6.80%	30 months	3
59	Canara Bank Public	6.75%	555 days ## · Canara 555	41
60	Gujarat Gramin Bank Rural	6.75%	Udan for 444 days · GGB Udan 444 days	–
61	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	13
62	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
63	The Kalupur Commercial Co-operative Bank Ltd. Co-op	6.75%	1 year and up to 2 years	10
64	The Mehsana Urban Co-operative Bank Ltd. Co-op	6.70%	Above 2 years to 3 years	7
65	UCO Bank Public	6.70%	535 days · UCO 535	17
66	Bank of Maharashtra Public	6.65%	400 days · 400-day special	16
67	Axis Bank Private	6.60%	2 years < 3 years	66
68	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	81
69	ICICI Bank Private	6.60%	3 years 1 day to 5 years	77
70	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
71	IDBI Bank Private	6.55%	1100 days · 1100-day Special	23
72	Union Bank of India Public	6.55%	555 days · 555-Day Special	46
73	DBS Bank India Foreign	6.50%	501 days to 540 days	3
74	The Zoroastrian Co-operative Bank Ltd. Co-op	6.50%	Over 2 years up to 3 years	6
75	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	118
76	HSBC India Foreign	6.40%	37 months to less than 48 months	1

State

Tenure

Deposit amount

76 banks we track have a branch in Surat. 31 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 8.10% at Ujjivan 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 Surat 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	Ujjivan Small Finance Bank	8.10%	3 year 1 day – 3 year 6 months
Rural	Gujarat Gramin Bank	6.75%	Udan for 444 days
Co-op	The Kachchh District Central Co-operative Bank Ltd.	7.25%	1 year to Less than 2 years
Co-op	The Surat Mercantile Co-op. Bank Ltd.	8.00%	666 days
Foreign	Deutsche Bank India	7.00%	> 1 yr - 1.5 yrs
Government Scheme	Post Office Savings Schemes	7.50%	5 years

Frequently Asked Questions

Which bank has the highest FD rate in Surat?

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Surat: 8.10% a year for general depositors. Next are Utkarsh at 8.10% and CSB at 8.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Surat?

76 of the banks RateScan.in tracks have at least one branch in Surat, counted from RBI's IFSC list: 31 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Are FDs at co-operative banks in Surat 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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Banks in Surat, ranked by FD rate

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