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South Indian Bank FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card from 19 June 2026. Deposits below ₹3 crore.

South Indian Bank pays its best rate among these terms on 1 year: 6.25%, or 6.75% for senior citizens. That ranks 24th of 33 banks we track for 1 year. On a 2-year deposit it pays less than SBI (6.40%).

6.25%1 year, senior 6.75%
5.85%2 years, senior 6.35%
6.20%3 years, senior 6.70%
5.70%5 years, senior 6.20%

South Indian Bank FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 1 year		6.25%6.75%₹5,31,99024th of 33
2 years
Slab: Above 18 months to less than 30 months		5.85%6.35%₹5,61,58433rd of 33
3 years
Slab: 3 years to less than 5 years		6.20%6.70%₹6,01,35324th of 33
5 years
Slab: 5 years to less than 66 months		5.70%6.20%₹6,63,54532nd of 33
Tax saver, 5 years
80C, old regime only		5.70%6.20%₹6,63,545Compare

Interest compounds every quarter and is paid at maturity, before tax. Source: South Indian Bank deposit rates. Each rate is the slab that contains that exact term.

How South Indian Bank compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.00 percentage points more. On ₹5 lakh that is ₹5,257 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.90 percentage points more. On ₹5 lakh that is ₹21,380 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.80 percentage points more. On ₹5 lakh that is ₹32,768 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 2.07 percentage points more. On ₹5 lakh that is ₹71,097 extra.

Similar banks: IDBI Bank (6.25% for 2 years), ICICI Bank (6.30% for 2 years), Karnataka Bank (6.40% for 2 years), HDFC Bank (6.45% for 2 years).

Amounts at South Indian Bank

  • ₹1 lakh for 1 year at 6.25% becomes ₹1,06,398.
  • ₹10 lakh for 1 year at 6.25% becomes ₹10,63,980.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the South Indian Bank FD rate for 1 year?

South Indian Bank pays 6.25% a year on a 1-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,31,990. The slab is "1 year".

What is the South Indian Bank FD rate for 2 years?

South Indian Bank pays 5.85% a year on a 2-year deposit below ₹3 crore (6.35% for senior citizens). ₹5 lakh grows to ₹5,61,584. The slab is "Above 18 months to less than 30 months".

What is the South Indian Bank FD rate for 3 years?

South Indian Bank pays 6.20% a year on a 3-year deposit below ₹3 crore (6.70% for senior citizens). ₹5 lakh grows to ₹6,01,353. The slab is "3 years to less than 5 years".

What is the South Indian Bank FD rate for 5 years?

South Indian Bank pays 5.70% a year on a 5-year deposit below ₹3 crore (6.20% for senior citizens). ₹5 lakh grows to ₹6,63,545. The slab is "5 years to less than 66 months".

What is the South Indian Bank tax-saver FD rate?

5.70% for 5 years (6.20% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.

Is money in a South Indian Bank FD safe?

South Indian Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate