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Book FDs at Interest rate upto 8.00% p.a
The Kerala State Financial Enterprises Ltd., also known as KSFE, offers FD interest rates of 3.25% – 9.00% p.a. The NBFC offers KSFE Chitty Security Deposit in Trust at interest rates of 9.00% p.a. for tenures to less than 1 year.
KSFE Fixed Deposit Interest Rates
|
KSFE FD Interest Rates Highlights – 2025 |
|
| Highest Slab Rate | 9.00% p.a. (Chitty Security Deposit in Trust) |
| For 1 year | 8.50% p.a. |
| For 2 years | 8.00% p.a. |
| For 3 years | 7.75% p.a. |
Note: Interest rates as on 19 June 2025
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
KSFE FD Interest Rates for Short Term Deposits
| Tenure |
Interest Rates (% p.a.) |
| 30 days to 60 days | 3.25 |
| 61 days to 90 days | 4.25 |
| 91 days to 180 days | 4.75 |
| 181 days or above | 6.50 |
KSFE FD Interest Rates for Vandanam Deposit Scheme
| Tenure | Interest Rates (% p.a.) |
| 1 year to 2 years |
8.75 |
KSFE FD Interest Rates for Sugama Deposit Scheme
| Tenure | Interest Rates (% p.a.) |
| 1 year to 2 years |
4.50 |
KSFE FD Interest Rates for Chitty Security Deposit in Trust
| Tenure | Interest Rates (% p.a.) |
| 30 days to less than 1 year |
9.00 |
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 8.00 | 7.25 | 7.25 | 8.00 | 0.20 |
| Jana Small Finance Bank | 8.00 | 7.00 | 7.50 | 8.00 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 7.30 | 7.00 | 7.00 | 7.00 | 0.50 |
| Shivalik Small Finance Bank | 7.30 | 6.00 | 7.00 | 6.50 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.10 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.75 | 6.40 | 6.25 | 6.25 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
Types of KSFE Fixed Deposit
KSFE Regular Fixed Deposit
- The KFSE Regular Fixed Deposit scheme comes with the option of monthly withdrawal of interest for deposits above Rs 10,000.
- Tenor: 1 to 3 years
KSFE Chitty Security Deposit in Trust
- The KSFE Chitty Security Deposit in Trust scheme is designed for chitty (chit fund) subscribers.
- Under this scheme, chit fund subscribers can deposit the prize money in part/full against any future liability with the intention to withdraw the same amount by furnishing security or by repaying the same amount on termination of the chit fund, provided that the deposited amount does not exceed the total future liability in the chit fund.
- Minimum Tenor: 30 days after opening of the chit fund
- Maximum Tenor: Till the date of termination of the chit fund
KSFE Short-Term Deposits
- The KFSE Short Term Deposit enables individuals and institutions to park their funds on a temporary basis.
- The lender accepts short-term deposits as security for future liabilities in chitty and loan schemes. The lender provides the facility of renewal on maturity (at the existing rates) of the short-term deposits.
- Tenor: 30 days to 364 days
- Minimum Amount: The minimum deposit amount for this account is Rs 5,000 with further deposits to be made in multiples of Rs. 500.
- Premature Closure: The lender provides the facility of premature closure for short-term deposits
KSFE Nettam Fixed Deposits
- Tenor: 400 days
- Minimum Amount: Rs 25,000
KSFE FD Calculator
As KSFE has not provided FD Calculator in its website, people who wish to invest in Fixed Deposit with KSFE can use Paisabazaar’s online FD calculator to check the total interest income and maturity amount on their KSFE fixed deposits. Consumers just need to enter the FD principal amount, the required deposit tenure and the KSFE FD interest rate offered for that tenure in the online FD Calculator. Once a consumer finds the total interest income from a KSFE FD, he should check the FD interest rates offered by other banks and NBFCs for the chosen tenure. Then, he should use the online FD Calculator to compute the interest income from those FDs and then, compare them with the interest income from KSFE FD.