South Indian Bank FD Interest Rates

South Indian Bank is a trusted private sector bank that’s popular among low-risk investors for attractive FD rates. As of 30th September 2025, South Indian Bank FD rates on deposits below ₹3 Crore range from 2.90%–6.60% p.a. for regular customers and 3.40%–7.10% p.a. for senior citizens (1 year).

South Indian Bank fixed deposit rates vary for NRE term deposits, tax saving deposits, and bulk deposits above ₹3 Crore. Read this article to find out the latest South Indian Bank FD rates.

South Indian Bank FD Rates 2025 - Domestic/NRO Deposits (Less than ₹3 Crore)

The following table displays the South Indian Bank FD rates for domestic deposits under ₹3 Crore: 

Tenure	General Interest Rate (p.a.)	Senior Citizen Interest Rate (p.a.)
7 days to 30 days	2.90%	3.40%
31 days to 90 days	3.50%	4.00%
91 days to 99 days	4.50%	5.00%
100 days to 180 days	4.80%	5.30%
181 days to 270 days	5.70%	6.20%
271 days to less than 1 year	6.00%	6.50%
1 year	6.60% (highest)	7.10% (highest)
Above 1 year to 1 year 6 days	6.10%	6.60%
1 year 7 days to 399 days	6.20%	6.70%
400 days	6.30%	6.80%
401 days to less than 5 years	6.20%	6.70%
5 years to less than 66 months	5.70%	6.20%
66 months (Green Deposit)	6.00%	6.50%
Above 66 months up to and including 10 years	5.70%	6.20%

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• South Indian Bank FD rates for senior citizens is applicable only to resident senior citizens individually or jointly.
• The premature withdrawal penalty is 0.50% for deposits below ₹5 lakhs and 1% for deposits of ₹5 lakhs and above, across all tenors.
• The effective interest payable will be the lower of

(a) the applicable rate for the actual deposit period minus the penalty

(b) the contracted rate minus the penalty

• Minimum investment tenure is 7 days and maximum is 10 years. 

South Indian Bank FD Rates 2025 - Tax Saver FD

South Indian Bank also offers a Tax Saver FD (Tax Gain 2006) option that combines fixed interest earnings with tax savings. The latest South Indian Bank FD interest rates for tax saver deposits are listed below:

Tenure	General Customers	Senior Citizens
5 Years	5.70% p.a.	6.20% p.a.

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• FD tenure is 5 years and no premature withdrawals are permitted. 
• Minimum investment is ₹100.
• You can claim tax deduction of up to ₹1.5 Lakhs u/s 80C on the principal invested.
• FD can be opened by a resident individual or Karta of an HUF.
• Interest is subject to TDS. 

South Indian Bank FD Rates - NRE Term Deposits (Less Than ₹3 Crore)

South Indian Bank NRI FD rates are listed below: 

Tenure	Rate (p.a.)
1 year	6.60%
Above 1 year to 1 year 6 days	6.10%
1 year 7 days to 399 days	6.20%
400 days	6.30% (highest)
401 days to less than 5 years	6.20%
5 years to less than 66 months	5.70%
66 months (Green Deposit)	6.00%
Above 66 months up to and including 10 years	5.70%

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• No interest is paid if the deposit is closed within a year.
• No additional benefit for senior citizens.
• Same premature withdrawal penalty rules as domestic term deposits.

South Indian Bank FD Rates 2025 - Non-Callable Deposits (Above ₹1 Crore to < ₹3 Crore)

If you are a HNI investor, you can invest above ₹3 Crore in a South Indian Bank Non-Callable Deposit. Please note that you cannot make premature withdrawals from this deposit. 

Tenor Bucket	General Rate (p.a.)	Senior Citizen Rate (p.a.)
1 year	6.70%	6.70%

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

South Indian Bank FD Rates 2025 - Bulk Deposits (₹3 Crore and Above)

South Indian Bank FD rates for bulk deposits (₹3 Crore and above) vary for resident and NRE accounts, and by deposit type. Callable deposits permit premature withdrawal with a 1% penalty, while non-callable deposits cannot be withdrawn early. Senior citizens do not receive additional preferential rates.

Let’s have a look at the South Indian Bank FD rates for bulk deposits:

Tenure	Domestic – Callable	Domestic – Non-Callable	NRE – Callable	NRE – Non-Callable
7 – 14 Days	3.25% – 5.25%	–	–	–
15 – 30 Days	3.25% – 5.50%	–	–	–
31 – 60 Days	4.25% – 5.50%	–	–	–
61 – 90 Days	5.00% – 5.45%	–	–	–
91 – 180 Days	5.25%	5.35%	–	–
181 Days – 270 Days	5.50%	5.60%	–	–
271 Days – 365 Days	6.05%	6.05%	–	–
366 Days – 389 Days	6.05%	6.05%	6.05%	6.05%
390 Days	6.05%	6.05%	6.05%	6.05%
Above 390 Days to ≤ 2 Years	6.05%	6.05%	6.05%	6.05%
Above 2 Years to < 3 Years	6.00%	6.10%	6.00%	6.10%
3 Years	6.00%	6.10%	6.00%	6.10%
Above 3 Years to < 5 Years	5.60%	5.70%	5.60%	5.70%
5 Years	5.80%	5.90%	5.80%	5.90%
Above 5 Years up to 10 Years	5.80%	–	5.80%	–

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Want Higher Interest Rates on Your FD? Try the Options on GoldenPi

For FDs under ₹3 Crore, South Indian Bank offers attractive interest rates of up to 6.60% p.a. for regular depositors and up to 7.10% p.a. for senior citizens (1 year). If you are a high-net-worth individual, you can invest in the bank’s bulk FD scheme to earn up to 6.10% p.a. (non-callable rate). 

Apart from that South Indian Bank FD rates on tax saving and NRE term deposits also range up to 6.70% p.a. (senior citizens) and 6.30% p.a. (400 days).

Looking for higher interest rates? Check the FD options from leading NBFCs and banks on GoldenPi website.