# Compare top small finance bank FD rates for 1-10 years

2026-09-25T13:26:35+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 2 independent outlets

Suryoday Small Finance Bank offers the highest fixed deposit rate of 8.25% for a five-year tenure among small finance banks, according to Paisabazaar data as of September 23, 2026. For senior citizens, Jana Small Finance Bank tops the list with 8.3% for a three-year term, the Economic Times reports. Other competitive rates for regular depositors include Jana Small Finance Bank at 8% for 2-3 years, Equitas Small Finance Bank at 8% for its Maxima FD (3 years 1 day), and Ujjivan Small Finance Bank at 7.8% for 3 years 1 day to 3 years 6 months. For a two-year tenure, Ujjivan offers 7.65%, followed by Equitas at 7.55%. Experts advise investors to check the exact tenure, premature withdrawal penalties, and tax implications before investing. Deposits up to Rs 5 lakh per bank are insured by DICGC. Senior citizens can submit Form 15H (renumbered Form 121) to avoid TDS if total income is below the taxable limit.

## Indian Opinion Analysis

Both Livemint and the Economic Times present the same rate data neutrally, with Livemint focusing on a broad tenure comparison and the Economic Times highlighting senior citizen rates and TDS rules. Neither source includes government or regulatory critique, and the coverage is purely informational. The key takeaway is that while headline rates reach 8.3%, the actual return depends on matching the tenure to the depositor's horizon. Readers should verify current rates on bank websites before investing.

## Coverage

- livemint.com (neutral report) <https://www.livemint.com/money/personal-finance/top-5-fd-rates-suryoday-jana-ujjivan-equitas-and-au-sfb-compared-for-key-tenures-11790325386744.html>
  Presents rate comparison data without editorialising, including standard disclaimers
- economictimes.indiatimes.com (neutral report) <https://economictimes.indiatimes.com/wealth/invest/fd-rate-up-to-8-3-for-senior-citizens-investing-for-three-years-know-the-list-of-banks/articleshow/134497908.cms>
  Leads with senior citizen rates and includes expert tax guidance, but no slant

Tags: AU Small Finance Bank, Equitas Small Finance Bank, Jana Small Finance Bank, Paisabazaar, Suryoday Small Finance Bank, Ujjivan Small Finance Bank
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