Suryoday Small Finance Bank (SSFB) has significantly increased its FD interest rates. Now, 5-year FDs offer a flat annualized return of 8%. This rate is currently one of the highest rates available in the market. These new rates, effective December 3, 2025, offer a golden opportunity to grow your investment quickly. Learn about SSFB’s attractive interest rates and why DICGC protection of up to ₹5 lakh is the best option for you.
FD Interest Rates Rise
Suryoday Small Finance Bank’s bold move comes at a time when many other major banks are keeping their interest rates stable. The bank has clarified that both regular customers and senior citizens will receive a full 8% interest rate on 5-year fixed deposits. This offer is considered very attractive for long-term investments.
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Although interest rates on short-term FDs are low, this 8% rate provides customers with a strong financial foundation for long-term investments. Additionally, the bank is offering excellent interest rates of 7.25% on FDs with a tenure of 1 year.
SSFB’s New Interest Rates
Suryoday Small Finance Bank’s new rates vary for different tenures, allowing investors to choose according to their needs.
Ultra-short term (7–14 days): An interest rate of 4.00% will apply.
Medium term (up to 6 months and 1 day): The interest rate for this tenure is 6.75%.
Slightly longer term (18 months): An attractive interest rate of 7.50% has been set.
Tenures between 3 and 5 years: This also has an interest rate of 6.75%.
As mentioned earlier, the highest interest rate is 8% on 5-year FDs. Additionally, senior citizens are offered an additional 0.20% interest rate across most tenures, further enhancing their returns.
DICGC Guarantee up to ₹5 Lakh
Along with high interest rates, investment security is also a very important aspect. Suryoday Small Finance Bank has fully assured its customers that all FD, savings, and RD deposits with the bank are covered under DICGC (Deposit Insurance and Credit Guarantee Corporation) insurance up to ₹5 lakh.
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This simply means that if the bank faces a financial crisis, the depositor’s principal and interest up to ₹5 lakh is completely safe and guaranteed to be returned. This government guarantee multiplies customer confidence and makes investing in small finance banks risk-free.