Fixed deposits
FD · GeneralFD
w.e.f. 2026-06-1712 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysregular | ₹500 – ₹3,00,00,000 | 3.50% |
| 15 days to 29 daysregular | ₹500 – ₹3,00,00,000 | 3.75% |
| 30 days to 90 daysregular | ₹500 – ₹3,00,00,000 | 4.25% |
| 91 days to 180 daysregular | ₹500 – ₹3,00,00,000 | 4.75% |
| 6 months to less than 9 monthsregular | ₹500 – ₹3,00,00,000 | 6.00% |
| 9 months to 12 monthsregular | ₹500 – ₹3,00,00,000 | 6.00% |
| 12 months 1 day to less than 18 monthsregular | ₹500 – ₹3,00,00,000 | 6.75% |
| 18 months to 23 monthsregular | ₹500 – ₹3,00,00,000 | 7.50% |
| 23 months 1 day to 27 monthsregular | ₹500 – ₹3,00,00,000 | 8.00% |
| 27 months 1 day to 36 monthsregular | ₹500 – ₹3,00,00,000 | 7.50% |
| 36 months 1 day to 60 monthsregular | ₹500 – ₹3,00,00,000 | 6.25% |
| 60 months 1 day to 120 monthsregular | ₹500 – ₹3,00,00,000 | 6.25% |
FD · Senior CitizenFD_SC
w.e.f. 2026-06-1712 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysregular | ₹500 – ₹3,00,00,000 | 4.00% |
| 15 days to 29 daysregular | ₹500 – ₹3,00,00,000 | 4.25% |
| 30 days to 90 daysregular | ₹500 – ₹3,00,00,000 | 4.75% |
| 91 days to 180 daysregular | ₹500 – ₹3,00,00,000 | 5.25% |
| 6 months to less than 9 monthsregular | ₹500 – ₹3,00,00,000 | 6.50% |
| 9 months to 12 monthsregular | ₹500 – ₹3,00,00,000 | 6.50% |
| 12 months 1 day to less than 18 monthsregular | ₹500 – ₹3,00,00,000 | 7.25% |
| 18 months to 23 monthsregular | ₹500 – ₹3,00,00,000 | 8.00% |
| 23 months 1 day to 27 monthsregular | ₹500 – ₹3,00,00,000 | 8.50% |
| 27 months 1 day to 36 monthsregular | ₹500 – ₹3,00,00,000 | 8.00% |
| 36 months 1 day to 60 monthsregular | ₹500 – ₹3,00,00,000 | 6.75% |
| 60 months 1 day to 120 monthsregular | ₹500 – ₹3,00,00,000 | 6.75% |
FD · Non-CallableFD_NC
w.e.f. 2026-06-1712 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 3.55% |
| 15 days to 29 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 3.80% |
| 30 days to 90 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 4.30% |
| 91 days to 180 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 4.80% |
| 6 months to less than 9 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.05% |
| 9 months to 12 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.05% |
| 12 months 1 day to 18 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.80% |
| 18 months to 23 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 7.55% |
| 23 months 1 day to 27 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 8.05% |
| 27 months 1 day to 36 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 7.55% |
| 36 months 1 day to 60 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.30% |
| 60 months 1 day to 120 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.30% |
FD · Non-Callable SCFD_NC_SC
w.e.f. 2026-06-1712 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 4.05% |
| 15 days to 29 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 4.30% |
| 30 days to 90 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 4.80% |
| 91 days to 180 daysnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 5.30% |
| 6 months to less than 9 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.55% |
| 9 months to 12 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.55% |
| 12 months 1 day to 18 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 7.30% |
| 18 months to 23 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 8.05% |
| 23 months 1 day to 27 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 8.55% |
| 27 months 1 day to 36 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 8.05% |
| 36 months 1 day to 60 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.80% |
| 60 months 1 day to 120 monthsnon_callable | ₹1,00,00,000 – ₹3,00,00,000 | 6.80% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-06-171 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Tax saver FD 5 Years (60 months)tax_saver | ₹1,000 – ₹1,50,000 | 6.25% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-06-171 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Tax saver FD 5 Years (60 months)tax_saver | ₹1,000 – ₹1,50,000 | 6.75% |
Recurring deposits
RDRD
w.e.f. 2026-06-178 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months to less than 9 months | ₹500 – ₹1,00,000 | 6.00% |
| 9 months to 12 months | ₹500 – ₹1,00,000 | 6.00% |
| 12 months 1 day to less than 18 months | ₹500 – ₹1,00,000 | 6.75% |
| 18 months to 23 months | ₹500 – ₹1,00,000 | 7.50% |
| 23 months 1 day to 27 months | ₹500 – ₹1,00,000 | 8.00% |
| 27 months 1 day to 36 months | ₹500 – ₹1,00,000 | 7.50% |
| 36 months 1 day to 60 months | ₹500 – ₹1,00,000 | 6.25% |
| 60 months 1 day to 120 months | ₹500 – ₹1,00,000 | 6.25% |
RD · SCRD_SC
w.e.f. 2026-06-178 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months to less than 9 months | ₹500 – ₹1,00,000 | 6.50% |
| 9 months to 12 months | ₹500 – ₹1,00,000 | 6.50% |
| 12 months 1 day to less than 18 months | ₹500 – ₹1,00,000 | 7.25% |
| 18 months to 23 months | ₹500 – ₹1,00,000 | 8.00% |
| 23 months 1 day to 27 months | ₹500 – ₹1,00,000 | 8.50% |
| 27 months 1 day to 36 months | ₹500 – ₹1,00,000 | 8.00% |
| 36 months 1 day to 60 months | ₹500 – ₹1,00,000 | 6.75% |
| 60 months 1 day to 120 months | ₹500 – ₹1,00,000 | 6.75% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-07-134 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to 1 Lacs | ₹0 – ₹1,00,000 | 2.50% |
| Above 1 Lac to 5 Lacs | ₹1,00,000 – ₹5,00,000 | 3.25% |
| Above 5 Lacs to 10 Lacs | ₹5,00,000 – ₹10,00,000 | 3.50% |
| Above 10 Lacs to 10 Crore | ₹10,00,000 – ₹10,00,00,000 | 7.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-07-134 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to 1 Lacs | ₹0 – ₹1,00,000 | 2.50% |
| Above 1 Lac to 5 Lacs | ₹1,00,000 – ₹5,00,000 | 3.25% |
| Above 5 Lacs to 10 Lacs | ₹5,00,000 – ₹10,00,000 | 3.50% |
| Above 10 Lacs to 10 Crore | ₹10,00,000 – ₹10,00,00,000 | 7.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-07-134 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to 1 Lacs | ₹0 – ₹1,00,000 | 2.50% |
| Above 1 Lac to 5 Lacs | ₹1,00,000 – ₹5,00,000 | 3.25% |
| Above 5 Lacs to 10 Lacs | ₹5,00,000 – ₹10,00,000 | 3.50% |
| Above 10 Lacs to 10 Crore | ₹10,00,000 – ₹10,00,00,000 | 7.00% |
NRI deposits
NRENRE
w.e.f. 2026-07-138 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 12 months | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 12 months 1 day to less than 18 month | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 18 months to 23 months | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 23 months 1 day to 27 months | ₹1,000 – ₹3,00,00,000 | 8.00% |
| 27 months 1 day to 36 month | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 36 months 1 day to 37 month | ₹1,000 – ₹3,00,00,000 | 8.10% |
| 37 months 1 day to 60 month | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 60 months 1 day to 120 months | ₹1,000 – ₹3,00,00,000 | 6.25% |
NRONRO
w.e.f. 2026-06-1712 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 days | ₹1,000 – ₹3,00,00,000 | 3.50% |
| 15 days to 29 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 30 days to 90 days | ₹1,000 – ₹3,00,00,000 | 4.25% |
| 91 days to 180 days | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 6 months to less than 9 months | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 9 months to 12 months | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 12 months 1 day to less than 18 months | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 18 months to 23 months | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 23 months 1 day to 27 months | ₹1,000 – ₹3,00,00,000 | 8.00% |
| 27 months 1 day to 36 month | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 36 months 1 day to 60 months | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 60 months 1 day to 120 months | ₹1,000 – ₹3,00,00,000 | 6.25% |
If you break it early
Breaking this deposit early — FD · General
Every band Shivalik Small Finance Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹500 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹500 to under ₹3 crore | 7 days to 120 months | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹500 to under ₹3 crore · 0 days to 6 days
“No Interest would be payable if the depositor withdraws the Fixed Deposit amount within 7 days from the date of deposits”
Source - ₹500 to under ₹3 crore · 7 days to 120 months
“premature payment will attract 1% penalty on the interest earned during the period, for which the deposit has been kept with the bank and not at contracted rate”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Shivalik Small Finance Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹500 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹500 to under ₹3 crore | 7 days to 120 months | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹500 to under ₹3 crore · 0 days to 6 days
“No Interest would be payable if the depositor withdraws the Fixed Deposit amount within 7 days from the date of deposits”
Source - ₹500 to under ₹3 crore · 7 days to 120 months
“premature payment will attract 1% penalty on the interest earned during the period, for which the deposit has been kept with the bank and not at contracted rate”
Source
Breaking this deposit early — FD · Non-Callable
Every band Shivalik Small Finance Bank publishes for premature closure of FD · Non-Callable, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1 crore to under ₹3 crore | 7 days to 120 months | cannot be closed early |
The bank’s own wording
- ₹1 crore to under ₹3 crore · 7 days to 120 months
“No premature or partial withdrawal allowed”
Source
Breaking this deposit early — FD · Non-Callable SC
Every band Shivalik Small Finance Bank publishes for premature closure of FD · Non-Callable SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1 crore to under ₹3 crore | 7 days to 120 months | cannot be closed early |
The bank’s own wording
- ₹1 crore to under ₹3 crore · 7 days to 120 months
“No premature or partial withdrawal allowed”
Source
Breaking this deposit early — Tax Saver
Every band Shivalik Small Finance Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“The default tenure is 60 months (5 years) and it cannot be closed prematurely.”
Source
Breaking this deposit early — Tax Saver SC
Every band Shivalik Small Finance Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“The default tenure is 60 months (5 years) and it cannot be closed prematurely.”
Source
Not yet verified
We have not read and recorded Shivalik Small Finance Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Shivalik Small Finance Bank
46 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
- FCNR (legacy aggregate)checked 2026-07-01
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-22
- RFC · CAD (returned NRI)source ↗checked 2026-07-22
- RFC · CHF (returned NRI)source ↗checked 2026-07-22
- RFC · EUR (returned NRI)source ↗checked 2026-07-22
- RFC · GBP (returned NRI)source ↗checked 2026-07-22
- RFC · HKD (returned NRI)source ↗checked 2026-07-22
- RFC · NZD (returned NRI)source ↗checked 2026-07-22
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-22
- RFC · SGD (returned NRI)source ↗checked 2026-07-22
- RFC · USD (returned NRI)source ↗checked 2026-07-22
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-22
- RFC Savings (returned NRI)source ↗checked 2026-07-22
FCNR — callable
- FCNR · AUD · Callablesource ↗checked 2026-07-22
- FCNR · CAD · Callablesource ↗checked 2026-07-22
- FCNR · CHF · Callablesource ↗checked 2026-07-22
- FCNR · EUR · Callablesource ↗checked 2026-07-22
- FCNR · GBP · Callablesource ↗checked 2026-07-22
- FCNR · HKD · Callablesource ↗checked 2026-07-22
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-22
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Callablesource ↗checked 2026-07-22
- FCNR · USD · Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-22
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-22
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-22
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-22
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-22
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-22
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-22
- FCNR · USD · Non-Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-22
Financial healthQ4FY2026
Full transparency report →- GNPA
- 2.83%
- NNPA
- 2.01%
- CAR
- 20.80%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Shivalik Small Finance Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 98 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.