Suryoday FD Interest Rates 2025 – A Complete Guide
20 August 2025 · Sachin Gadekar
Secure high returns with Suryoday Small Finance Bank fixed deposits – check latest FD interest rates, benefits, and comparison with other banks.
Introduction
Fixed Deposits (FDs) continue to be one of the most reliable investment options in India, especially for conservative investors seeking safety with steady returns. Among several small finance banks, Suryoday Small Finance Bank (SSFB) has emerged as an attractive choice due to its higher FD interest rates compared to many large banks.
In this article, we cover the latest Suryoday FD interest rates 2025, key benefits, and how they compare with other banks.
Suryodaya FD Interest Rates 2025
| Tenure | FD Interest Rate (General) | FD Interest Rate (Senior Citizens) |
|---|---|---|
| 7 days – 45 days | 4.00% | 4.50% |
| 46 days – 90 days | 5.00% | 5.50% |
| 91 days – 6 months | 6.00% | 6.50% |
| 6 months – 12 months | 7.00% | 7.50% |
| 1 year – 2 years | 8.50% | 9.00% |
| 2 years – 3 years | 7.75% | 8.25% |
| 3 years – 5 years | 7.50% | 8.00% |
| 5 years – 10 years | 7.25% | 7.75% |
Key Benefits of Suryoday FD
Higher returns compared to many private and PSU banks.
Special rates for senior citizens (up to 9% p.a.).
DICGC insurance coverage of up to ₹5 lakh, ensuring deposit safety.
Digital booking – no paperwork needed, open FD online in less than 5 minutes.
Quarterly compounding on large FDs to maximize returns.
Comparison: Suryodaya FD vs Other Banks
| Bank | Highest FD Rate (General) | Highest FD Rate (Senior Citizens) |
|---|---|---|
| Suryodaya SFB | 8.50% | 9.00% |
| SBI | 7.10% | 7.60% |
| HDFC Bank | 7.25% | 7.75% |
| ICICI Bank | 7.25% | 7.75% |
| Axis Bank | 7.10% | 7.60% |
How to Book Suryodaya FD with ultra
With ultra, you can now explore and invest in multiple fixed-income opportunities, including FDs, unlisted shares, bonds, and more. Booking a Suryodaya FD is completely digital – no paperwork required. Just install the ultra app, select your FD option, and start investing within minutes.
FAQs
Q1. What is the highest FD rate in Suryoday Small Finance Bank 2025?
The highest FD rate is 8.50% for general investors and 9.00% for senior citizens on 1–2 year deposits.
Q2. Is Suryodaya FD safe?
Yes, deposits are insured up to ₹5 lakh under DICGC insurance, providing an additional layer of safety.
Q3. Can I book Suryodaya FD online?
Yes, with ultra app, you can book FDs digitally without paperwork in just a few minutes.
Q4. How is interest calculated on Suryodaya FDs?
Interest is compounded quarterly, helping investors earn higher returns over time.
Conclusion
If you are looking for a safe investment option with attractive returns, the Suryoday Small Finance Bank FD is worth considering. With interest rates up to 9% for senior citizens, quarterly compounding, and secure DICGC cover, it offers the right balance of safety and growth.
And with ultra, investing becomes even more convenient. Download the ultra app today to explore Suryoday FDs and other fixed-income products with just a few clicks.