Live49 banks
Suryoday Small Finance Bank8.25%·Utkarsh Small Finance Bank8.10%·Shivalik Small Finance Bank8.00%·ESAF Small Finance Bank8.00%·Jana Small Finance Bank8.00%·Unity Small Finance Bank8.00%·Equitas Small Finance Bank8.00%·Ujjivan Small Finance Bank7.80%·Slice (NE SFB)7.75%·SBM Bank India7.65%·DCB Bank7.50%·Bandhan Bank7.45%·AU Small Finance Bank7.40%·Yes Bank7.25%·Capital Small Finance Bank7.25%·Tamilnad Mercantile Bank7.25%·
MyPassbook
Every deposit. Every bank.
MyPassbookमेरी पासबुकમારી પાસબુકనా పాస్బుక్എന്റെ പാസ്ബുക്ക്என் பாஸ்புக்ನನ್ನ ಪಾಸ್ಬುಕ್আমার পাসবুকਮੇਰੀ ਪਾਸਬੁੱਕମୋର ପାସବୁକমোৰ পাছবুকꯑꯩꯒꯤ ꯄꯥꯁꯕꯨꯛᱤᱧᱟᱜ ᱯᱟᱥᱵᱩᱠ
MyPassbook· India's deposit rate engine
FD is Boring.Which is exactlywhy it works.
Smart TipSuper Senior get upto 90 bps more in PSUs over card rate
live
Punjab National Bank1205 Days to 5 Years · Public sector6.35%
Bank of Baroda> 3 to 5 Years · Public sector6.30%
DCB Bank60 to 61 Months · Private7.50%
Suryoday Small Finance Bank5 Years · Small finance8.25%
◇ Read the market · what the shape means
3 to 5 years peak is where the market has put its bet.
The curve is steepest here at 8.25%. Small finance banks are pricing hard for this window while the public sector flattens a full 135 bps below them — 8.10% at the best SFB against 6.75% at the best PSU bank. Across 2 years, on ₹1,00,000, the bank you pick is worth ₹2,735 in real rupees.
PSU
SBI
₹1,06,555
6.40%p.a.
PSU
Indian
₹1,06,818
6.65%p.a.
PSU
BoB
₹1,06,923
6.75%p.a.
PVT
IDFC First
₹1,07,450
7.25%p.a.
PVT
Bandhan
₹1,07,661
7.45%p.a.
PVT
DCB
₹1,07,714
7.50%p.a.
SFB
Jana
₹1,08,243
8.00%p.a.
SFB
Shivalik
₹1,08,243
8.00%p.a.
SFB
Utkarsh
₹1,08,349
8.10%p.a.
₹1 lakh1 yearquarterly compounding
MyPassbook notes
PeakBest callable rate is 8.25% — 5 years.
ShortNothing under six months beats 6.50%.
EdgeSFBs pay 135 bps over PSU banks.
EdgePrivate banks pay 75 bps over them.
WorthChoosing well is worth ₹2,735 on ₹1 lakh.HSBC 5.50% against Utkarsh 8.10%.
Safety₹5 lakh insured, per depositor per bank.
◇ We simplify
Don’t be confused.We sort every deposit into one clear class.
- Callable — break the FD early; the bank pays you for the time run, minus penal interest.
- Non-callable — cannot be broken. Minimum deposit ₹1 crore.
- Senior — extra ROI at 60+; a few banks give additional ROI at 80+.
◆ FD · CallableOpen →
8.25%
Suryoday Small Finance Bank · 5 Years
Break early. Bank pays for the tenor minus penal interest
PSUBank of India6.85%
PVTDCB Bank7.50%
Median 7.00%49 banks
◆ FD · Non-callableOpen →
8.50%
Suryoday Small Finance Bank · > 15 Months to 2 Years (non-callable)
CANNOT BE BROKEN. No early withdrawal at all₹1 crore minimum
PSUPunjab & Sind Bank (non-callable)6.95%
PVTDCB Bank (non-callable)7.70%
Median 7.03%30 banks
◆ Senior 60+ / 80+Open →
8.55%
Shivalik Small Finance Bank · > 23 to 27 Months (non-callable)
Extra ROI at 60+; a few banks add more at 80+
SFBShivalik Small Finance Bank (non-callable)8.55%
FRGNSBM Bank India (non-callable)8.35%
Median 7.60%49 banks
- PSU — owned by the government. Lowest rates, biggest names.
- Private — owned by shareholders. Rates in the middle.
- SFB — smaller, newer banks. Highest rates, same ₹5 lakh cover.
◆ Public sector · 12 banksOpen →
6.95%
Punjab & Sind Bank · 666 Days (non-callable)
At ₹1 lakh you can buy 6.65%
PSUPunjab & Sind Bank (non-callable)6.95%
PSUBank of India (non-callable)6.85%
Median 6.75%12 banks
◆ Private · 21 banksOpen →
7.70%
DCB Bank · 24 to < 34 Months (non-callable)
At ₹1 lakh you can buy 7.45%
PVTDCB Bank (non-callable)7.70%
PVTBandhan Bank7.45%
Median 7.15%21 banks
◆ Small finance · 11 banksOpen →
8.50%
Suryoday Small Finance Bank · > 15 Months to 2 Years (non-callable)
At ₹1 lakh you can buy 8.00%
SFBSuryoday Small Finance Bank (non-callable)8.50%
SFBUtkarsh Small Finance Bank (non-callable)8.35%
Median 8.00%11 banks
The growth ladder
Every year your ₹1,00,000 becomes more.
- Drawn on today's flagship rate — Suryoday Small Finance Bank at 8.25% for 5 Years
- The highest of the 48 banks that publish a term covering 60 months
- Quarterly compounding — each quarter's interest earns its own interest the next quarter
Year
Interest, year by year
Interest earned
Balance
1Year 1
+₹8,509
₹1,08,509
2Year 2
+₹17,742
₹1,17,742
3Year 3
+₹27,760
₹1,27,760
4Year 4
+₹38,631
₹1,38,631
5Year 5
+₹50,426
₹1,50,426
The bar measures interest earned, not the balance — each year's interest as a share of the final year's.