Fixed deposits
FD · GeneralFD
w.e.f. 2026-06-1921 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 30 days | ₹100 – ₹3,00,00,000 | 2.90% |
| 30 daysFAST CASH | ₹100 – ₹3,00,00,000 | 2.90% |
| 31 days to 90 days | ₹100 – ₹3,00,00,000 | 3.50% |
| 46 daysFAST CASH | ₹100 – ₹3,00,00,000 | 3.50% |
| 91 daysFAST CASH | ₹100 – ₹3,00,00,000 | 4.50% |
| 91 days to 99 days | ₹100 – ₹3,00,00,000 | 4.50% |
| 100 days to 180 days | ₹100 – ₹3,00,00,000 | 4.80% |
| 181 days to 270 days | ₹100 – ₹3,00,00,000 | 5.50% |
| 271 days to less than 1 year | ₹100 – ₹3,00,00,000 | 5.90% |
| 1 year | ₹100 – ₹3,00,00,000 | 6.25% |
| Above 1 year to 371 days | ₹100 – ₹3,00,00,000 | 5.85% |
| 372 days | ₹100 – ₹3,00,00,000 | 6.40% |
| 373 days to less than 18 months | ₹100 – ₹3,00,00,000 | 6.05% |
| 18 months | ₹100 – ₹3,00,00,000 | 6.60% |
| Above 18 months to less than 30 months | ₹100 – ₹3,00,00,000 | 5.85% |
| 30 months | ₹100 – ₹3,00,00,000 | 6.80% |
| Above 30 months to less than 3 years | ₹100 – ₹3,00,00,000 | 5.85% |
| 3 years to less than 5 years | ₹100 – ₹3,00,00,000 | 6.20% |
| 5 years to less than 66 months | ₹100 – ₹3,00,00,000 | 5.70% |
| 66 months (Green deposit)GREEN FD | ₹100 – ₹3,00,00,000 | 6.00% |
| Above 66 months to upto and including 10 years | ₹100 – ₹3,00,00,000 | 5.70% |
FD · Senior CitizenFD_SC
w.e.f. 2026-06-1921 rows
View source — bank FD rate page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 30 days | ₹100 – ₹3,00,00,000 | 3.40% |
| 30 daysFAST CASH SC | ₹100 – ₹3,00,00,000 | 3.40% |
| 31 days to 90 days | ₹100 – ₹3,00,00,000 | 4.00% |
| 46 daysFAST CASH SC | ₹100 – ₹3,00,00,000 | 4.00% |
| 91 daysFAST CASH SC | ₹100 – ₹3,00,00,000 | 5.00% |
| 91 days to 99 days | ₹100 – ₹3,00,00,000 | 5.00% |
| 100 days to 180 days | ₹100 – ₹3,00,00,000 | 5.30% |
| 181 days to 270 days | ₹100 – ₹3,00,00,000 | 6.00% |
| 271 days to less than 1 year | ₹100 – ₹3,00,00,000 | 6.40% |
| 1 year | ₹100 – ₹3,00,00,000 | 6.75% |
| Above 1 year to 371 days | ₹100 – ₹3,00,00,000 | 6.35% |
| 372 days | ₹100 – ₹3,00,00,000 | 6.90% |
| 373 days to less than 18 months | ₹100 – ₹3,00,00,000 | 6.55% |
| 18 months | ₹100 – ₹3,00,00,000 | 7.10% |
| Above 18 months to less than 30 months | ₹100 – ₹3,00,00,000 | 6.35% |
| 30 months | ₹100 – ₹3,00,00,000 | 7.30% |
| Above 30 months to less than 3 years | ₹100 – ₹3,00,00,000 | 6.35% |
| 3 years to less than 5 years | ₹100 – ₹3,00,00,000 | 6.70% |
| 5 years to less than 66 months | ₹100 – ₹3,00,00,000 | 6.20% |
| 66 months (Green deposit)GREEN FD SC | ₹100 – ₹3,00,00,000 | 6.50% |
| Above 66 months to upto and including 10 years | ₹100 – ₹3,00,00,000 | 6.20% |
FD · Non-CallableFD_NC
w.e.f. 2026-05-162 rows
View source — bank FD rate page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,00,00,001 – ₹3,00,00,000 | 6.45% |
| 30 months | ₹1,00,00,001 – ₹3,00,00,000 | 7.00% |
FD · Non-Callable SCFD_NC_SC
South Indian Bank publishes no separate fd · non-callable sc rate — it pays 7.00%, the exact same rate as its fd · non-callable card at every term we can match. There is no premium to show, so we are not printing the fd · non-callable table a second time under this heading — it is directly above. 2 live rows back this rate, and it still resolves correctly for a South Indian Bank customer using our calculator.
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-06-191 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Tax Gain (exactly 5 years) | ₹100 – ₹1,50,000 | 5.70% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-06-191 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Tax Gain (exactly 5 years) | ₹100 – ₹1,50,000 | 6.20% |
Recurring deposits
RDRD
w.e.f. 2026-06-1915 rows
View source — bank FD rate page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) — 100 days to 180 days | ₹100 and above | 4.80% |
| 181 days to 270 days | ₹100 and above | 5.50% |
| 271 days to less than 1 year | ₹100 and above | 5.90% |
| 1 year | ₹100 and above | 6.25% |
| Above 1 year to 371 days | ₹100 and above | 5.85% |
| 372 days | ₹100 and above | 6.40% |
| 373 days to less than 18 months | ₹100 and above | 6.05% |
| 18 months | ₹100 and above | 6.60% |
| Above 18 months to less than 30 months | ₹100 and above | 5.85% |
| 30 months | ₹100 and above | 6.80% |
| Above 30 months to less than 3 years | ₹100 and above | 5.85% |
| 3 years to less than 5 years | ₹100 and above | 6.20% |
| 5 years to less than 66 months | ₹100 and above | 5.70% |
| 66 months (Green deposit) | ₹100 and above | 6.00% |
| Above 66 months to upto and including 10 years | ₹100 and above | 5.70% |
RD · SCRD_SC
w.e.f. 2026-06-1915 rows
View source — bank FD rate page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) — 100 days to 180 days | ₹100 and above | 5.30% |
| 181 days to 270 days | ₹100 and above | 6.00% |
| 271 days to less than 1 year | ₹100 and above | 6.40% |
| 1 year | ₹100 and above | 6.75% |
| Above 1 year to 371 days | ₹100 and above | 6.35% |
| 372 days | ₹100 and above | 6.90% |
| 373 days to less than 18 months | ₹100 and above | 6.55% |
| 18 months | ₹100 and above | 7.10% |
| Above 18 months to less than 30 months | ₹100 and above | 6.35% |
| 30 months | ₹100 and above | 7.30% |
| Above 30 months to less than 3 years | ₹100 and above | 6.35% |
| 3 years to less than 5 years | ₹100 and above | 6.70% |
| 5 years to less than 66 months | ₹100 and above | 6.20% |
| 66 months (Green deposit) | ₹100 and above | 6.50% |
| Above 66 months to upto and including 10 years | ₹100 and above | 6.20% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-04-214 rows
View source — bank FD rate page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Less than Rs. 1 crore | ₹0 – ₹99,99,999 | 2.25% |
| Rs. 1.00 crore - less than Rs. 5.00 crore | ₹1,00,00,000 – ₹4,99,99,999 | 2.50% |
| Rs. 5.00 crore - less than Rs. 25.00 crore | ₹5,00,00,000 – ₹24,99,99,999 | 4.50% |
| Rs. 25.00 crore and above | ₹25,00,00,000 and above | 6.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-04-214 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | ₹0 – ₹99,99,999 | 2.25% |
| on-call | ₹1,00,00,000 – ₹4,99,99,999 | 2.50% |
| on-call | ₹5,00,00,000 – ₹24,99,99,999 | 4.50% |
| on-call | ₹25,00,00,000 and above | 6.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-04-214 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | ₹0 – ₹99,99,999 | 2.25% |
| on-call | ₹1,00,00,000 – ₹4,99,99,999 | 2.50% |
| on-call | ₹5,00,00,000 – ₹24,99,99,999 | 4.50% |
| on-call | ₹25,00,00,000 and above | 6.00% |
NRI deposits
NRENRE
w.e.f. 2026-06-1912 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹100 – ₹2,99,99,999 | 6.25% |
| Above 1 year to 371 days | ₹100 – ₹2,99,99,999 | 5.85% |
| 372 days | ₹100 – ₹2,99,99,999 | 6.40% |
| 373 days to less than 18 months | ₹100 – ₹2,99,99,999 | 6.05% |
| 18 months | ₹100 – ₹2,99,99,999 | 6.60% |
| Above 18 months to less than 30 months | ₹100 – ₹2,99,99,999 | 5.85% |
| 30 months | ₹100 – ₹2,99,99,999 | 6.80% |
| Above 30 months to less than 3 years | ₹100 – ₹2,99,99,999 | 5.85% |
| 3 years to less than 5 years | ₹100 – ₹2,99,99,999 | 6.35% |
| 5 years to less than 66 months | ₹100 – ₹2,99,99,999 | 5.70% |
| 66 months (Green deposit) | ₹100 – ₹2,99,99,999 | 6.00% |
| Above 66 months to upto and including 10 years | ₹100 – ₹2,99,99,999 | 5.70% |
NRE · Non-CallableNRE_NC
w.e.f. 2026-05-162 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,00,00,001 – ₹2,99,99,999 | 6.45% |
| 30 months | ₹1,00,00,001 – ₹2,99,99,999 | 7.00% |
NRONRO
w.e.f. 2026-06-1918 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 15 days to 30 days (NRO floor 15 days; FD bucket 7-30 days) | ₹100 – ₹2,99,99,999 | 2.90% |
| 31 days to 90 days | ₹100 – ₹2,99,99,999 | 3.50% |
| 91 days to 99 days | ₹100 – ₹2,99,99,999 | 4.50% |
| 100 days to 180 days | ₹100 – ₹2,99,99,999 | 4.80% |
| 181 days to 270 days | ₹100 – ₹2,99,99,999 | 5.50% |
| 271 days to less than 1 year | ₹100 – ₹2,99,99,999 | 5.90% |
| 1 year | ₹100 – ₹2,99,99,999 | 6.25% |
| Above 1 year to 371 days | ₹100 – ₹2,99,99,999 | 5.85% |
| 372 days | ₹100 – ₹2,99,99,999 | 6.40% |
| 373 days to less than 18 months | ₹100 – ₹2,99,99,999 | 6.05% |
| 18 months | ₹100 – ₹2,99,99,999 | 6.60% |
| Above 18 months to less than 30 months | ₹100 – ₹2,99,99,999 | 5.85% |
| 30 months | ₹100 – ₹2,99,99,999 | 6.80% |
| Above 30 months to less than 3 years | ₹100 – ₹2,99,99,999 | 5.85% |
| 3 years to less than 5 years | ₹100 – ₹2,99,99,999 | 6.20% |
| 5 years to less than 66 months | ₹100 – ₹2,99,99,999 | 5.70% |
| 66 months (Green deposit) | ₹100 – ₹2,99,99,999 | 6.00% |
| Above 66 months to upto and including 10 years | ₹100 – ₹2,99,99,999 | 5.70% |
NRO · Non-CallableNRO_NC
w.e.f. 2026-05-162 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,00,00,001 – ₹2,99,99,999 | 6.45% |
| 30 months | ₹1,00,00,001 – ₹2,99,99,999 | 7.00% |
RFC · USD (returned NRI)RFC_USD
w.e.f. 2026-07-05USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | up to USD 500,000 | 4.00% |
| 1 year to less than 2 years | USD 500,000 and above | 4.00% |
| 2 years to less than 3 years | up to USD 500,000 | 4.00% |
| 2 years to less than 3 years | USD 500,000 and above | 4.00% |
| 3 years | up to USD 500,000 | 4.00% |
| 3 years | USD 500,000 and above | 4.00% |
RFC · GBP (returned NRI)RFC_GBP
w.e.f. 2026-07-05GBP3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 4.00% |
| 2 years to less than 3 years | — | 3.75% |
| 3 years | — | 2.45% |
RFC · EUR (returned NRI)RFC_EUR
w.e.f. 2026-07-05EUR3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 3.00% |
| 2 years to less than 3 years | — | 2.00% |
| 3 years | — | 1.00% |
RFC · AUD (returned NRI)RFC_AUD
w.e.f. 2026-07-05AUD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 4.20% |
| 2 years to less than 3 years | — | 3.50% |
| 3 years | — | 3.00% |
RFC · YEN (JPY) (returned NRI)RFC_JPY
w.e.f. 2026-07-05JPY3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 0.20% |
| 2 years to less than 3 years | — | 0.20% |
| 3 years | — | 0.05% |
RFC Savings (returned NRI)RFC_SAVINGS
w.e.f. 2021-02-24EURrate card 1 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | — | 0.50% |
w.e.f. 2021-02-24GBPrate card 2 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | — | 0.50% |
w.e.f. 2021-02-24USDrate card 3 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | — | 0.50% |
RFC · CHF (returned NRI)RFC_CHF
w.e.f. 2026-07-05CHF3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 0.05% |
| 2 years to less than 3 years | — | 0.00% |
| 3 years | — | 0.00% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2026-06-1912 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹100 – ₹2,99,99,999 | 6.25% |
| Above 1 year to 371 days | ₹100 – ₹2,99,99,999 | 5.85% |
| 372 days | ₹100 – ₹2,99,99,999 | 6.40% |
| 373 days to less than 18 months | ₹100 – ₹2,99,99,999 | 6.05% |
| 18 months | ₹100 – ₹2,99,99,999 | 6.60% |
| Above 18 months to less than 30 months | ₹100 – ₹2,99,99,999 | 5.85% |
| 30 months | ₹100 – ₹2,99,99,999 | 6.80% |
| Above 30 months to less than 3 years | ₹100 – ₹2,99,99,999 | 5.85% |
| 3 years to less than 5 years | ₹100 – ₹2,99,99,999 | 6.35% |
| 5 years to less than 66 months | ₹100 – ₹2,99,99,999 | 5.70% |
| 66 months (Green deposit) | ₹100 – ₹2,99,99,999 | 6.00% |
| Above 66 months to 120 months | ₹100 – ₹2,99,99,999 | 5.70% |
NRO RDNRO_RD
w.e.f. 2026-06-1915 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) — 100 days to 180 days | ₹100 and above | 4.80% |
| 181 days to 270 days | ₹100 and above | 5.50% |
| 271 days to less than 1 year | ₹100 and above | 5.90% |
| 1 year | ₹100 and above | 6.25% |
| Above 1 year to 371 days | ₹100 and above | 5.85% |
| 372 days | ₹100 and above | 6.40% |
| 373 days to less than 18 months | ₹100 and above | 6.05% |
| 18 months | ₹100 and above | 6.60% |
| Above 18 months to less than 30 months | ₹100 and above | 5.85% |
| 30 months | ₹100 and above | 6.80% |
| Above 30 months to less than 3 years | ₹100 and above | 5.85% |
| 3 years to less than 5 years | ₹100 and above | 6.20% |
| 5 years to less than 66 months | ₹100 and above | 5.70% |
| 66 months (Green deposit) | ₹100 and above | 6.00% |
| Above 66 months to upto and including 10 years | ₹100 and above | 5.70% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-06-25USD4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | up to USD 500,000 | 4.00% |
| 1 year to less than 2 years | USD 500,000 and above | 4.00% |
| 2 years to less than 3 years | up to USD 500,000 | 4.00% |
| 2 years to less than 3 years | USD 500,000 and above | 4.00% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-06-25GBP2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 4.00% |
| 5 years | — | 2.45% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-06-25EUR1 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 years | — | 1.00% |
FCNR · YEN (JPY) · CallableFCNR_JPY
w.e.f. 2026-06-25JPY4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 2 years to less than 3 years | — | 0.20% |
| 3 years to less than 4 years | — | 0.05% |
| 4 years to less than 5 years | — | 0.05% |
| 5 years | — | 0.05% |
FCNR · CAD · CallableFCNR_CAD
w.e.f. 2026-06-25CAD1 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 years | — | 3.25% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-06-25AUD1 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 years | — | 3.45% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-06-25USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 years to less than 4 years | up to USD 500,000 | 6.50% |
| 3 years to less than 4 years | USD 500,000 and above | 7.00% |
| 4 years to less than 5 years | up to USD 500,000 | 6.50% |
| 4 years to less than 5 years | USD 500,000 and above | 7.00% |
| 5 years | up to USD 500,000 | 6.50% |
| 5 years | USD 500,000 and above | 7.00% |
If you break it early
Breaking this deposit early — FD · General
Every band South Indian 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 |
|---|---|---|---|
| ₹100 to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹100 to under ₹3 crore | 30 days to 91 days | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹100 to under ₹3 crore | 66 months to 66 months | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
The bank’s own wording
- ₹100 to under ₹3 crore · 7 days to 10 years
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source - ₹100 to under ₹3 crore · 30 days to 91 days
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source - ₹100 to under ₹3 crore · 66 months to 66 months
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source
Breaking this deposit early — FD · Senior Citizen
Every band South Indian 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 |
|---|---|---|---|
| ₹100 to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹100 to under ₹3 crore | 30 days to 91 days | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹100 to under ₹3 crore | 66 months to 66 months | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
The bank’s own wording
- ₹100 to under ₹3 crore · 7 days to 10 years
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source - ₹100 to under ₹3 crore · 30 days to 91 days
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source - ₹100 to under ₹3 crore · 66 months to 66 months
“Effective from 26th March 2026, premature closure penalty is applicable for premature withdrawal and reinvestment of Retail Rupee Term Deposits (including NRE & Recurring Deposits) at the rate of 1% for all tenors and for all deposit amounts. The change in penalty is applicable for all term deposits opened /renewed w.e.f. 26th March 2026.”
Source
Breaking this deposit early — FD · Non-Callable
Every band South Indian 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 |
|---|---|---|---|
| ₹1,00,00,001 to under ₹3 crore | 1 year to 30 months | cannot be closed early |
The bank’s own wording
- ₹1,00,00,001 to under ₹3 crore · 1 year to 30 months
“Non-callable Term deposits will not be allowed to be withdrawn prematurely under any circumstances”
Source
Breaking this deposit early — FD · Non-Callable SC
Every band South Indian 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 |
|---|---|---|---|
| ₹1,00,00,001 to under ₹3 crore | 1 year to 30 months | cannot be closed early |
The bank’s own wording
- ₹1,00,00,001 to under ₹3 crore · 1 year to 30 months
“Non-callable Term deposits will not be allowed to be withdrawn prematurely under any circumstances”
Source
Breaking this deposit early — Tax Saver
Every band South Indian 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 |
|---|---|---|---|
| ₹100 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹100 to ₹1,50,000 · 5 years to 5 years
“This deposit shall not be encashed before the expiry of 5 years from the date of its receipt”
Source
Breaking this deposit early — Tax Saver SC
Every band South Indian 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 |
|---|---|---|---|
| ₹100 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹100 to ₹1,50,000 · 5 years to 5 years
“This deposit shall not be encashed before the expiry of 5 years from the date of its receipt”
Source
Not yet verified
We have not read and recorded South Indian Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRE · Non-Callable, NRO, NRO · Non-Callable, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), RFC · AUD (returned NRI), RFC · YEN (JPY) (returned NRI), RFC Savings (returned NRI), RFC · CHF (returned NRI), NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · USD · Non-Callable. 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 South Indian Bank
25 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 — callable
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-16
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-16
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-16
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-16
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-16
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-16
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-16
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-16
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-16
Financial healthQ4FY2026
Full transparency report →- GNPA
- 1.43%
- NNPA
- 0.29%
- CAR
- 19.66%
- CASA
- 32.12%
- ROA
- 1.00%
- ROE
- 12.62%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as South Indian 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. 194 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.