Suryoday Small Finance Bank
NBFC
8.50% p.a.
for 15 months
Highest rate for 15 months
Min ₹1,000
PayoutCumulative / Monthly
₹1L grows to
₹1,11,086
8.50%
Highest rate right now
₹5L
DICGC insured (banks)
₹1,000
Minimum to start
Top Rate Today
.%
Best available rate across instant-bookable FDs on Finzace today.
9 FDs
NBFC
8.50% p.a.
for 15 months
Highest rate for 15 months
₹1L grows to
₹1,11,086
NBFC
8.40% p.a.
for 2 years
Highest rate for 2 years
₹1L grows to
₹1,18,088
NBFC
7.75% p.a.
for 5 years
Highest rate for 5 years
₹1L grows to
₹1,46,784
NBFC
7.60% p.a.
for 5 years
₹1L grows to
₹1,45,708
NBFC
7.50% p.a.
for 1 year
Highest rate for 1 year
₹1L grows to
₹1,07,714
NBFC
7.30% p.a.
for 5 years
₹1L grows to
₹1,43,578
NBFC
7.15% p.a.
for 5 years
₹1L grows to
₹1,42,524
NBFC
6.75% p.a.
for 3 years
Highest rate for 3 years
₹1L grows to
₹1,22,239
NBFC
6.75% p.a.
for 17 months
Highest rate for 17 months
₹1L grows to
₹1,09,641
DICGC insured
Bank deposits covered up to ₹5 lakh per depositor.
Book in 5 minutes
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Use your existing bank account to invest.
Zero platform fee
Finzace charges you nothing to book an FD.
The highest FD rates in India usually come from small finance banks and well-rated NBFCs, which price above large PSU banks to attract deposits. The good news: small finance bank deposits are still insured by the DICGC up to ₹5 lakh per depositor — so you can chase yield without giving up safety, as long as you keep each bank's deposit within the insured limit.
Rate alone isn't the whole story. Match the tenure to your goal — locking in a high rate for longer protects you if rates fall, while a shorter tenure keeps your money flexible. Also weigh the issuer: a bank FD carries DICGC cover, whereas an NBFC FD relies on its credit rating (a higher CRISIL or ICRA rating means lower risk). Both are shown on every card here.
Rates on this page are indicative and refreshed from issuers; the final rate is locked at the moment you book. Use the tenure filter and the maturity preview on each card to compare real outcomes — a slightly lower rate over a longer term can still beat a headline number over a shorter one.
Instant FDs · Quarterly compounding
There is no single permanent winner — rates change and differ by tenure. On Finzace, small finance banks and well-rated NBFCs often appear at the top of the ranked list. Use the tenure filter and sort by highest rate to see what is available today; the rate you see is confirmed by the issuer when you book.
Small finance banks are RBI-regulated. Eligible deposits are insured by the DICGC up to ₹5 lakh per depositor per bank (principal plus accrued interest). Staying within that limit per bank is how you keep the safety net intact while benefiting from competitive rates.
It depends on your goal. A longer tenure locks today’s rate — useful if you expect rates to fall and you will not need the money early. A shorter tenure keeps flexibility but may renew at a lower rate later. Compare the maturity preview on each card, not just the headline rate.
Often, yes — NBFCs may price above large banks to attract deposits. They are not covered by DICGC; instead each card shows a credit rating (such as CRISIL or ICRA) so you can judge issuer risk. Many investors mix bank FDs (insured slice) with rated NBFC FDs for yield.
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More to explore
Claim up to ₹1.5L deduction under Section 80C every year with a 5-year lock-in FD.
₹1.5L
Max deduction
Earn up to +0.10% p.a. extra interest on eligible FDs — applied automatically at booking.
+0.10%
Extra interest
Ranked by real FD bookings on Finzace — see what investors actually trust.
20,000+
FDs booked