When it comes to safe and steady returns, Fixed Deposits (FDs) have always been a favorite among Indian savers. While big names like SBI or HDFC dominate the FD space, smaller players such as Shivalik Small Finance Bank (SFB) are also offering competitive FD rates to attract retail investors. If you’ve ever wondered whether Shivalik Bank is a good option for your savings, you’re in the right place. Let’s break down the Shivalik SF Bank Fixed Deposit interest rate, how it compares with other banks, and whether it’s safe for senior citizens.
Shivalik SF Bank Fixed Deposit Interest Rate 2025
As of 2025, Shivalik Small Finance Bank offers attractive FD rates across different tenures. While exact rates may vary slightly based on RBI announcements and bank revisions, here’s the latest snapshot:
- 7 days to 45 days – Around 3.50% p.a.
- 46 days to 90 days – 4.25% p.a.
- 91 days to 180 days – 4.75% p.a.
- 181 days to less than 1 year – 6.25% p.a.
- 1 year to less than 2 years – 7.25% p.a.
- 2 years to less than 3 years – 7.50% p.a.
- 3 years to less than 5 years – 7.75% p.a.
- 5 years and above – 7.80% p.a.
Shivalik SF Bank Fixed Deposit Interest Rate for Senior Citizens
Senior citizens enjoy an additional 0.50% interest over the standard rates. For example, if the general public earns 7.75% on a 3-year FD, senior citizens get 8.25%. This makes Shivalik FD a strong option for retirees who want steady income without market risk.
Why Choose Shivalik Bank FD?
You’ve probably noticed that smaller finance banks often give slightly higher FD rates than big commercial banks. Here’s why Shivalik SF Bank stands out:
- Higher returns – Their FD rates are usually 0.50%–1% higher compared to major banks.
- Safety factor – Shivalik Bank is covered under the DICGC insurance scheme, which protects deposits up to ₹5 lakh.
- Flexible tenures – From short-term deposits of 7 days to long-term deposits of 10 years, there’s something for everyone.
- Special schemes – The bank sometimes launches limited-period higher FD rates, so keeping an eye on announcements pays off.
Is Shivalik Bank Safe for FD?
Many investors ask, “Is Shivalik Bank safe for FD?” The bank operates as a Small Finance Bank regulated by RBI, which means it follows strict guidelines for lending and deposits. Additionally, deposit insurance up to ₹5 lakh provides extra assurance.
That said, if you’re planning to invest a large sum, you could diversify—keep a part in Shivalik for high returns and some in bigger banks for added stability.
Comparing Shivalik FD with Other Banks
If you’re wondering how Shivalik’s FD rates stack up, here’s a quick comparison:
- Shivalik SFB – Up to 7.80% (8.30% for seniors)
- SBI – Around 6.80% (7.30% for seniors)
- HDFC Bank – Around 7.00% (7.50% for seniors)
- AU Small Finance Bank – Up to 8.00% (8.50% for seniors)
Clearly, Shivalik is in the higher range, especially for long-term FDs.
Using the Shivalik Bank FD Calculator
Before investing, it’s smart to calculate your maturity amount. The Shivalik Bank FD Calculator makes this easy. Just enter:
- Deposit amount
- Tenure
- Interest rate
And you’ll instantly see how much you’ll earn at maturity. For instance, if you invest ₹5 lakh for 5 years at 7.80%, your maturity value will be around ₹7.35 lakh (before tax).
Tax Implications on Shivalik FD Interest
Interest earned on Shivalik FDs is taxable as per your income tax slab. If interest exceeds ₹40,000 in a financial year (₹50,000 for senior citizens), the bank will deduct TDS (Tax Deducted at Source). To save tax, you can explore 5-year tax-saving FDs under Section 80C, up to ₹1.5 lakh.
Our Expert Tip: Laddering Your FD
Instead of locking all your money into one FD, try FD laddering. For example, put ₹2 lakh in a 1-year FD, another ₹2 lakh in a 3-year FD, and ₹2 lakh in a 5-year FD. This way, you get both liquidity and higher returns without waiting too long.
FAQs on Shivalik SF Bank FD
What is the interest rate of FD in Shivalik Bank?
Shivalik Bank offers FD rates between 3.50% and 7.80% for regular customers. Senior citizens earn 0.50% higher, up to 8.30%.
Which bank gives 9.5% interest on FD?
Currently, no scheduled commercial bank offers 9.5% interest. Some cooperative banks or NBFCs may advertise higher rates, but mainstream banks, including Shivalik SFB, cap around 8–8.5%.
Is Shivalik Bank safe for FD?
Yes. Shivalik SFB is regulated by RBI, and deposits up to ₹5 lakh are insured under DICGC, making it reasonably safe.
Shivalik SF Bank fixed deposit interest rate for senior citizens?
Senior citizens get an additional 0.50% interest on all FD tenures, which means they can earn up to 8.30%.
How to calculate FD maturity in Shivalik Bank?
You can use the Shivalik Bank FD Calculator available on calculator section. Enter the deposit amount, tenure, and rate to get accurate maturity value.
Conclusion
The Shivalik SF Bank fixed deposit interest rate in 2025 is among the most attractive in the small finance bank segment. With rates up to 7.80% for regular customers and 8.30% for seniors, it’s an option worth exploring if you’re chasing higher returns. While safety is assured up to ₹5 lakh through DICGC, prudent investors may still diversify across banks.
What’s your take on Shivalik FD? Would you prefer the higher returns of a small finance bank or the stability of a big PSU bank? Share your thoughts in the comments!
