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Tamil Nadu State Apex Bank Fixed Deposit (FD) Interest Rates Highlights – 2025
| Highest slab rate | 7.50% p.a. (for 444 days) |
| For 1 year | 7.25% p.a. |
| For 2 years | 6.85% p.a. |
| For 3 years | 6.60% p.a. |
| For 4 years | 6.60% p.a. |
| For 5 years | 6.60% p.a. |
| Tax-Saving FD | 6.85% p.a. (for 5 years and above) |
The interest rates are updated as of 26 August 2025
Tamil Nadu State Apex Bank FD Interest Rates
FD Interest Rates on Deposits
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days to less than 15 days | 3.35 | 3.35 |
| 15 days to less than 30 days | 3.85 | 3.85 |
| 30 days to less than 46 days | 4.35 | 4.35 |
| 46 days to less than 91 days | 5.35 | 5.35 |
| 91 days to less than 120 days | 5.60 | 5.60 |
| 120 days to less than 180 days | 5.85 | 5.85 |
| 180 days to less than 271 days | 6.35 | 6.35 |
| 271 days to less than 12 months | 6.60 | 6.60 |
| 12 months to less than 24 months | 7.25 | 7.50 |
| 24 months to less than 36 months | 6.85 | 7.10 |
| 36 months and above | 6.60 | 6.85 |
| 444 days | 7.50 | 7.75 |
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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 |
TNSC Tax Benefit Deposit
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years and above | 6.85 | 7.10 |
Types of TNSC Bank FD Schemes
Regular Fixed Deposits
- Minimum deposit amount: Rs 1,000
- Tenure: Minimum 15 days
- Depositors can opt for either monthly, half-yearly, quarterly and annually for deposits of tenure 1 year and above
- Loan and nomination facility is available
- Fixed deposits can be prematurely withdrawn under this scheme
TNSC Bank Tax Benefit Deposit 2006
- Deposit amount: Minimum- Rs 1,000; Maximum- Rs 1 lakh
- Tenure: 5 years to 10 years
- Lock-in period: 5 years
- The scheme applies to fixed deposit and cash certificate for 5 years and above
- Loans cannot be availed against deposits
Cash Certificate
- Minimum deposit amount: Rs 1,000.
- Tenure: 1 year
- The interest payment is made on cumulative basis at the time of FD maturity
- Loan and nomination facility is available
- Premature withdrawal of deposits is allowed