FD rates in Tamil Nadu · November 2026

Q: Which bank has the highest FD rate in Tamil Nadu?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Tamil Nadu: 8.25% a year for general depositors. Next are Dharmapuri DCC Bank at 8.25% and Kanchipuram CCB at 8.25%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Tamil Nadu?

79 of the banks RateScan.in tracks have at least one branch in Tamil Nadu, counted from RBI's IFSC list: 25 co-operative and regional rural banks, and 54 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Tamil Nadu 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.

79 banks with a branch in Tamil Nadu, ranked by their best fixed-deposit rate.

Banks in Tamil Nadu, 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	17
2	The Dharmapuri District Central Co-operative Bank Ltd. Co-op	8.25%	444 days · 444-day deposit	–
3	The Kanchipuram Central Co-operative Bank Ltd. Co-op	8.25%	444 days · 444-day deposit	43
4	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	99
5	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	15
6	Coimbatore District Central Co-operative Bank Ltd. Co-op	8.00%	444 days · 444-day Special	37
7	CSB Bank Private	8.00%	501 days · 501-day Special	163
8	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	103
9	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	117
10	Kumbakonam Central Co-operative Bank Ltd. Co-op	8.00%	365 days	–
11	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	1
12	Tamil Nadu Industrial Co-operative Bank Co-op	8.00%	37 months upto 60 months	47
13	The Salem District Central Co-operative Bank Ltd. Co-op	8.00%	444 days · 444-day deposit	42
14	The Villupuram District Central Co-operative Bank Ltd. Co-op	8.00%	1 year	–
15	Thoothukudi District Central Co-operative Bank Ltd. Co-op	8.00%	1 year to 2 years	–
16	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	9
17	Dindigul Central Co-operative Bank Ltd. Co-op	7.80%	1 year to less than 2 years	–
18	DCB Bank Private	7.75%	17 months to 20 months	19
19	Equitas Small Finance Bank Small Finance	7.75%	888 days	352
20	The Cuddalore District Central Co-operative Bank Ltd. Co-op	7.75%	12 months	25
21	The Shevapet Urban Co-operative Bank Ltd. Co-op	7.75%	1 YEAR AND ABOVE	–
22	The Tiruvannamalai District Central Co-operative Bank Ltd. Co-op	7.75%	365 days	–
23	The Vellore District Central Co-operative Bank Ltd. Co-op	7.75%	12 months to 24 months	–
24	Erode District Central Co-operative Bank Ltd. Co-op	7.50%	1 year to less than 2 years	–
25	Post Office Savings Schemes Government Scheme	7.50%	5 years	11875
26	The Karuntattangudi Dravidian Co-operative Urban Bank Ltd. Co-op	7.50%	1 year and above	–
27	The Tirupattur Urban Co-operative Bank Ltd. Co-op	7.50%	More than 1 year to 2 years	–
28	Bandhan Bank Private	7.45%	2 years to less than 3 years	62
29	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	153
30	Tamil Nadu State Apex Co-operative Bank Co-op	7.35%	12 months to under 24 months	–
31	City Union Bank Private	7.30%	556 days to 3 years	590
32	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	34
33	IDFC First Bank Private	7.25%	500 days – 2 years	62
34	IndusInd Bank Private	7.25%	2 years to 3 years	133
35	Karnataka Bank Private	7.25%	15 months only	56
36	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	4
37	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	467
38	The Chennai Central Co-operative Bank Ltd. Co-op	7.25%	12 months to less than 24 months	–
39	The Cosmos Co-operative Bank Ltd. Co-op	7.25%	445 days	5
40	The Ramanathapuram District Central Co-operative Bank Ltd. Co-op	7.25%	1 year	–
41	Tirunelveli Nellai Central Co-operative Bank Co-op	7.25%	2 to 3 years	–
42	Yes Bank Private	7.25%	18 months 1 day < 24 months	62
43	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	562
44	Doha Bank Q.P.S.C. (India) Foreign	7.15%	400 days	1
45	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	204
46	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	4
47	RBL Bank Private	7.00%	18 months to less than 60 months	70
48	Tamil Nadu Grama Bank Rural	7.00%	2 years to less than 3 years	–
49	Dalmiapuram Employees' Co-operative Bank Ltd. Co-op	6.90%	1 year and above	–
50	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	25
51	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	428
52	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	240
53	Federal Bank Private	6.80%	18 months	282
54	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	1120
55	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	150
56	Punjab National Bank Public	6.80%	680 days	328
57	South Indian Bank Private	6.80%	30 months	150
58	Canara Bank Public	6.75%	555 days ## · Canara 555	1271
59	Emirates NBD Bank (P.J.S.C.) (India) Foreign	6.75%	375 days	1
60	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	1178
61	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	5
62	UCO Bank Public	6.70%	535 days · UCO 535	134
63	Bank of Maharashtra Public	6.65%	400 days · 400-day special	118
64	Axis Bank Private	6.60%	2 years < 3 years	468
65	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	700
66	ICICI Bank Private	6.60%	3 years 1 day to 5 years	688
67	Standard Chartered India Foreign	6.60%	1yr - 376days*	7
68	IDBI Bank Private	6.55%	1100 days · 1100-day Special	148
69	Union Bank of India Public	6.55%	555 days · 555-Day Special	587
70	DBS Bank India Foreign	6.50%	501 days to 540 days	282
71	The Nilgiris District Central Co-operative Bank Ltd. Co-op	6.50%	1 years and above	18
72	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1368
73	HSBC India Foreign	6.40%	37 months to less than 48 months	2
74	Sumitomo Mitsui Banking Corporation (India) Foreign	5.65%	184 to 270 days	1
75	Mizuho Bank, Ltd. (India) Foreign	5.40%	Above 15 months to 18 months	1
76	MUFG Bank, Ltd. (India) Foreign	5.20%	Above 1 year up to 2 years	1
77	BNP Paribas (India) Foreign	4.00%	732 days to 1095 days	1
78	Bank of America, N.A. (India) Foreign	3.45%	Above 5 years	1
79	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	2

State

Tenure

Deposit amount

79 banks we track have a branch in Tamil Nadu. 25 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 Tamil Nadu 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	The Dharmapuri District Central Co-operative Bank Ltd.	8.25%	444 days
Co-op	The Shevapet Urban Co-operative Bank Ltd.	7.75%	1 YEAR AND ABOVE
Foreign	Doha Bank Q.P.S.C. (India)	7.15%	400 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Tamil Nadu

Chennai60 banks8.25%Coimbatore50 banks8.25%Salem46 banks8.25%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Tamil Nadu?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Tamil Nadu: 8.25% a year for general depositors. Next are Dharmapuri DCC Bank at 8.25% and Kanchipuram CCB at 8.25%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Tamil Nadu?

79 of the banks RateScan.in tracks have at least one branch in Tamil Nadu, counted from RBI's IFSC list: 25 co-operative and regional rural banks, and 54 public, private, small finance and other banks.

Are FDs at co-operative banks in Tamil Nadu 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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