Bank FD 2025: Fixed deposits (FDs) have always been a trusted investment option for people looking for secure returns. FDs have a tenure of 7 days to 10 or 20 years. In 2025, many small finance banks are offering interest rates of more than 9% on FDs. Here we will talk about the top 3 small finance banks which are giving exceptional returns.
1. North East Small Finance Bank
North East Small Finance Bank offers attractive FD interest rates which are for both general citizens and senior citizens. Here interest rates vary from 3.25% to 9% (for general customers) and 3.75% to 9.50% (for senior citizens).
Key Highlights:
• Tenure Options: 7 days to 10 years.
• Highest Returns: FDs from 546 days to 1111 days get 9% interest for general citizens and 9.50% for senior citizens.
• Investment Limit: Customers can invest up to a maximum of ₹5 crore.
• Effective Rates: These rates are effective from 24 June 2024.
For risk-averse investors, North East Small Finance Bank is a reliable option that provides consistent returns.
2. Suryoday Small Finance Bank
Suryoday Small Finance Bank is also a top performer in the FD market. Interest rates offered here range from 4% to 8.60% for general citizens and up to 9.10% for senior citizens. Higher returns are obtained due to the focus on long tenure.
Key Highlights:
• Tenure Options: From 7 days to 10 years.
• Highest Returns: On tenures of more than 2 years and up to 3 years, general citizens get 8.60% interest and senior citizens get 9.10% interest.
• Effective Rates: These rates are effective from 4 September 2024.
Suryoday Small Finance Bank is known for its consistent performance and customer-focused approach.
3. Unity Small Finance Bank
Unity Small Finance Bank is quite popular with competitive rates. Here interest rates range from 4.50% to 9% (for general citizens) and additional 0.50% for senior citizens, which reaches a maximum of 9.50%.
Key Highlights:
• Tenure Options: From 7 days to 10 years.
• Highest Returns: 9% interest is available for general citizens and 9.50% for senior citizens on tenure of 1001 days.
• Effective Rates: These rates are effective from 7 October 2024.
With a focus on medium-term FDs, Unity Small Finance Bank provides substantial returns without the need to lock funds for a longer period of time.
Why Choose Small Finance Bank FDs?
The interest rates of small finance banks are higher than those of big government and private banks, making them a lucrative option. Along with security and returns, these banks also ensure accessibility and flexibility.
Key Considerations Before Investing in FD
1. Tenure Selection: Choose the tenure as per your financial goals.
2. Senior Citizen Benefits: If eligible, take advantage of the additional interest rates for senior citizens.
3. Premature Withdrawal: Understand the penalties and conditions of premature withdrawal.
4. Investment Limits: Confirm the maximum investment cap, especially if you want to deposit a large amount.
Conclusion
If you are looking for a combination of safety and high returns, FDs of North East Small Finance Bank, Suryoday Small Finance Bank, and Unity Small Finance Bank present an excellent opportunity. With interest rates above 9%, these banks are setting benchmarks for secure and rewarding investments in 2025. But, always review the terms and conditions and consult a financial advisor so that your overall investment strategy is aligned.
