For fixed deposit investors, today is the last date to book FD at higher rate of up to 9.10% per annum. This is because Suryoday Small Finance Bank announced a revision in FD interest rates effective from June 1, 2025. The revision in FD rates will impact both general public and senior citizen investors. Notably, the bank is currently offering one of the most attractive FD interest rates in the market — up to 9.10% per annum on five-year FD tenure for senior citizens.
This highest FD interest rate of 9.10% is applicable for a 5-year deposit tenure and is available only until May 31, 2025. That means investors have just today to take advantage of this high return before the revised, likely lower, rates come into effect.
Why banks are revising FD rates now
In the recent months, banks are on the spree to revise the FD interest rates. This includes both for their regular FDs and special FDs launched. FD interest rates are revised because the Reserve Bank of India (RBI) has cut the repo rate from the start of 2025. In total, RBI has cut repo rate by 50 basis points. The next policy is on June 6, 2025, where RBI can cut repo rate again due to low inflation.
New FD rates from June 1, 2025, for Senior Citizens
For senior citizens, the revised FD rates will be between 4.4% and 8.8% per annum, starting June 1, 2025. The highest FD interest rate of 8.8% is offered on tenure above 30 months to 36 months. The bank has uniformly reduced rates by 10 bps across all tenures, while the 5-year FD tenure sees the sharper cut of 70 bps-down from 9.1% to 8.4%.Till May 31, 2025, the bank offers highest FD interest rate 9.10 % on tenure of 5 Years.
New FD rates from June 1, 2025 for general public
From June 1, 2025, Suryoday Small Finance Bank will offer interest rates on FDs ranging from 4% to 8.4% for general citizens on deposits below Rs 3 crore. The high FD rate of 8.4% is offered tenure above 30 months to 36 months. The most notable change is in the 5-year FDs, where the interest rate has been reduced by 60 basis points (bps)-from 8.6% to 8%.Till May 31, 2025, the bank offers highest FD interest rate 8.6% on tenure of 5 Years.New rates from June 1, 2025
| Period | Interest Rate (Per Annum) | Senior Citizen Rate (Per Annum) |
| 7 Days to 14 Days | 4.00% | 4.40% |
| 15 Days to 45 Days | 4.25% | 4.65% |
| 46 Days to 90 Days | 4.50% | 4.90% |
| 91 Days to 6 Months | 5.00% | 5.40% |
| 6 Month 1 Day | 7.25% | 7.65% |
| Above 6 Month 1 Day to 9 Months | 5.50% | 5.90% |
| Above 9 Months to less than 1 Year | 6.00% | 6.40% |
| 1 Year | 7.90% | 8.30% |
| Above 1 Year to 15 Months | 8.00% | 8.40% |
| Above 15 Months to 18 Months | 8.25% | 8.65% |
| Above 18 Months to 2 Years | 8.10% | 8.50% |
| Above 2 Years to 30 Months | 8.15% | 8.55% |
| Above 30 Months to 36 Months | 8.40% | 8.80% |
| Above 3 Years to less than 5 Years | 6.75% | 7.15% |
| 5 Years | 8.00% | 8.40% |
| Above 5 Years to 10 Years | 7.25% | 7.65% |
FD rates till May 31, 2025
| Period | Interest Rate (Per Annum) | Senior Citizen Rate (Per Annum) |
| 7 Days to 14 Days | 4.00% | 4.50% |
| 15 Days to 45 Days | 4.25% | 4.75% |
| 46 Days to 90 Days | 4.50% | 5.00% |
| 91 Days to 6 Months | 5.00% | 5.50% |
| 6 Month 1 Day | 7.25% | 7.75% |
| Above 6 Month 1 Day to 9 Months | 5.50% | 6.00% |
| Above 9 Months to less than 1 Year | 6.00% | 6.50% |
| 1 Year* | 7.90% | 8.40% |
| Above 1 Year upto 15 Months | 8.00% | 8.50% |
| Above 15 Months to 18 Months | 8.25% | 8.75% |
| Above 18 Months to 2 Years | 8.10% | 8.60% |
| Above 2 Years to 30 Months | 8.15% | 8.65% |
| Above 30 Months to 36 Months | 8.40% | 8.90% |
| Above 3 Years to less than 5 Years | 6.75% | 7.25% |
| 5 Years | 8.60% | 9.10% |
| Above 5 Years to 10 Years | 7.25% | 7.75% |
