SIDBI Fixed Deposit Rates 2025

The Small Industries Development Bank of India (SIDBI) has been working to improve and promote the MSME (Micro, Small and Medium Enterprises) sector in the country.

Updated On - 05 Sep 2025
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Established in 1990, SIDBI offers an array of schemes, one of them being Term/Fixed deposits. Being 'AAA' rated by CARE, term deposits of SIDBI falls in the category of 'highest safety'. Along with this, SIDBI also offers competitive interest rates. Customers willing to apply for an FD can do so by downloading the form online.

SIDBI Fixed Deposit Scheme Features

The various features of SIDBI fixed deposit scheme are given below:

Account Type

Single or Jointly

Interest Rates

Minimum: 6.25%

Maximum: 6.35%

Tenure

Minimum: 1 year

Maximum: 5 years

Amount

Minimum: Rs.10,000

SIDBI Fixed Deposit Interest Rates for Deposits Below Rs.49,99,999

The interest rates for SIDBI fixed deposit for deposits below Rs.49,99,999 are given below:

Tenure

General Rate of Interest (p.a.)

Senior Citizens Rate of Interest (p.a.)

12 months to 36 months

6.25%

6.40%

37 months to 60 months

6.35%

6.50%

SIDBI Fixed Deposit Interest Rates for Deposits Above Rs.50 Lakh and Below Rs.2 Crore

The interest rates for SIDBI fixed deposit for deposits above Rs.50 lakh and below Rs.2 crore are given below:

Tenure

General Rate of Interest (p.a.)

Senior Citizens Rate of Interest (p.a.)

12 months to 36 months

6.25%

6.40%

37 months to 60 months

6.35%

6.50%

SIDBI Fixed Deposit Interest Rates for Deposits Above Rs.2 Crore

The interest rates for SIDBI fixed deposits for deposits above Rs.2 crore are given below:

Tenure

General Rate of Interest (p.a.)

Senior Citizens Rate of Interest (p.a.)

12 months to 36 months

7.25%

7.75%

37 months to 60 months

7.50%

8.00%

SDBI Fixed Deposit Eligibility Criteria

The eligibility criteria to open an account under SIDBI fixed deposit scheme are:

  1. Individuals over the age of 18
  2. Minors (below the age of 18)
  3. Hindu Undivided Families (HUF)
  4. Corporates, an association or group of persons, and societies

Documents Required for SDBI Fixed Deposit Scheme

The documents required for SDBI fixed deposit scheme are:

  1. Age proof
  2. Address proof
  3. Identity proof

FAQs on SIDBI Fixed Deposit Rates

  • What is the highest and lowest rate of interest on FD schemes by the SIDBI?

    The highest rate of interest on FD schemes by the SIDBI is 6.40% and the lowest rate of interest is 5.50%.

  • What is the minimum deposit amount for SIDBI fixed deposit schemes?

    The minimum deposit amount for SIDBI fixed deposit scheme is Rs.10,000.

  • What is the special rate of interest for senior citizens under the SIDBI fixed deposit schemes?

    Senior citizens get an additional 0.50% discount under the SIDBI fixed deposit schemes.

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