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This housing finance has been accredited with a credit rating of AAA/Stable by ICRA and AAA/Stable by CRISIL. As per ICRA, AAA indicates highest-credit-quality and carries lowest credit risk for the depositors. As per CRISIL, AAA indicates very strong chances of timely interest and principal repayment by the housing finance company.
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Sundaram Home Finance FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 7.15% (for 4 years & 5 years) |
| For 1 year | 6.70% |
| For 2 years | 7.00% |
| For 3 years | 7.00% |
| For 4 years | 7.15% |
| For 5 years | 7.15% |
The interest rates are updated as of 12 January 2026
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
Credit Rating
| Credit Rating Agency | Rating | Outlook |
| ICRA | AAA | Stable |
| CRISIL | AAA | Stable |
Sundaram Home Finance FD Interest Rates
FD Interest Rates for Regular Citizens w.e.f. 1 July 2025
| Tenor in months | Cumulative Interest Rate (% p.a.) |
Non-Cumulative Interest Rates (% p.a.) | ||
| Monthly | Quarterly | Annual | ||
| 12 | 6.70 | – | 6.54 | 7.20 |
| 24 | 7.00 | – | 6.82 | 7.00 |
| 36 | 7.00 | 6.78 | 6.82 | 7.00 |
| 48 | 7.15 | 6.93 | 6.97 | 7.15 |
| 60 | 7.15 | 6.93 | 6.97 | 7.15 |
FD Interest Rates for Senior Citizens w.e.f. 1 July 2025
| Tenor in months | Cumulative Interest Rate (% p.a.) |
Non-Cumulative Interest Rates (% p.a.) | ||
| Monthly | Quarterly | Annual | ||
| 12 | 7.20 | – | 7.01 | 7.20 |
| 24 | 7.50 | – | 7.30 | 7.50 |
| 36 | 7.50 | 7.25 | 7.30 | 7.50 |
| 48 | 7.50 | 7.25 | 7.30 | 7.50 |
| 60 | 7.50 | 7.25 | 7.30 | 7.50 |
Types of Sundaram Home Finance FD Schemes
Cumulative Deposit Scheme
- This scheme allows reinvestment of the interest component to the deposit amount and thereby, helps in deriving higher yields due to the power of compounding
- The interest is compounded quarterly and paid on maturity
- Minimum deposit amount: Rs 10,000 and thereafter in multiples of Rs 1,000
- Auto-renewal facility is available
Regular Income Scheme
- This scheme works best for pensioner individuals who want regular income from their savings
- The interest is calculated till the last day of the month and is paid accordingly
- Minimum deposit amount: Rs 10,000 and thereafter in multiples of Rs 1,000
- Auto-renewal facility is available