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FD will earn a hefty, these 7 small finance banks are giving the highest interest – FD Investment High Returns from Top Small Finance Banks in India Offering Highest Interest Rates September 2025

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Small Finance Bank (SFB) offers more interest rates than big banks to woo customers. Large banks like SBI pay 6.25-6.45% interest on fixed deposits (FD). At the same time, SFB is offering returns up to 7.1-7.77%. Know here what are the top 7 small banks that are giving the highest interest rates.

1. SFBS vs Big Bank
Small finance banks pay higher interest rates than big banks on FDs. While SBI offers 6.25-6.45%, the SFB gives up to 7.1-7.77%. Because of this, investors are increasing interest in these banks.

2. DICGC Safety Cover
SFB FD is also covered with DICGC insurance, just like large banks. A cover of up to Rs 5 lakh per deposit is available, including principal and interest. This provides protection to investment in small banks.

3. Risk Factor
However, the focus of SFB occurs on microfinance and small commercial loans. For this reason, the credit risk is slightly higher in them. To stay safe, you should avoid investing more than 5 lakhs. The most important is to choose the RBI registered small bank.

4. Jana Small Finance Bank
Jana Small Finance Bank gives FD at 7.77% interest rate, which is the highest. An investment of Rs 1 lakh is Rs 1,07,770 in a year. This is the most attractive option for investors.

5. Suryoday Small Finance Bank
Sunrise Small Finance Bank offers FDs at 7.75% interest rate. An investment of Rs 1 lakh here becomes Rs 1,07,750 in a year. It is second in the market.

6. Utkarsh Small Finance Bank
Utkarsh Small Finance Bank gives 7.65% interest rate. If you invest Rs 1 lakh, then this amount becomes Rs 1,07,650 in a year. This is a good option for stable returns.

7. Esaf Small Finance Bank
ESAF Small Finance Bank offers FDs at the rate of 7.6%. In this, an investment of Rs 1 lakh becomes Rs 1,07,600 in a year. It gives both good security and better interest to customers.

8. Ujjivan Small Finance Bank
Ujjivan Small Finance Bank offers FDs at 7.45% interest rate. An investment of Rs 1 lakh here becomes Rs 1,07,450 after one year. It is quite popular among small investors.

9. equitas small finance bank
Equitas Small Finance Bank pays 7.4% interest. If you deposit 1 lakh rupees, then after one year you get 1,07,400 rupees. This bank is known as a stable option.

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10. AU Small Finance Bank
AU Small Finance Bank gives FD at 7.1% interest rate. An investment of Rs 1 lakh in it becomes Rs 1,07,100 after one year. The interest rate is slightly low but it is a big and reliable bank.

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