Fixed Deposit Interest Rates in Surat (2026)

Surat is one of Gujarat's most economically active cities, home to a thriving diamond trade, textile industry, and a growing community of salaried professionals and business owners. FD interest rates in Surat currently go up to 8.10% p.a. for general citizens and 8.50% p.a. for senior citizens. Read on to compare the latest FD rates across leading banks.

Best FD Rates in Surat

Surat investors have access to a wide range of bank FDs, from small finance banks offering higher yields to large public sector banks providing stability. The table below lists the best FD rates available to general citizens, along with the estimated monthly payout on a ₹10 lakh deposit.

You can use an FD calculator to estimate how much your deposit will grow over a chosen tenure based on your principal amount and the applicable interest rate.

Best FD Rates for Senior Citizens in Surat

Senior citizens across India, including those in Surat, receive a higher FD interest rate than regular depositors, typically 0.25% to 0.50% extra per annum. This makes FDs an especially attractive option for retirees who rely on steady interest income. Below are the best senior citizen FD rates in Surat for 2026.

Tax on FD Interest in Surat

The tax treatment of FD interest income is the same regardless of which city you invest from. Whether you book an FD in Surat, Ahmedabad, Pune, or any other location, the same Income Tax rules apply nationwide.

How to Open an FD in Surat Through Stable Money?

Stable Money makes it easy for Surat residents to compare and invest in fixed deposits from multiple banks, all without visiting a bank branch or website. You can review interest rates, payout options, tenure choices, and senior citizen benefits on one platform, then complete the entire booking process digitally. 

Here's how you can book a fixed deposit on Stable Money.

• Download the Stable Money App from the Google Play Store or Apple App Store.
• Register using your mobile number linked to your Aadhaar Card.
• Browse FD options from various banks and NBFCs displayed on the homepage.
• Compare FDs by interest rate, tenure, and payout frequency to find your preferred option.
• Select the bank FD you want to invest in.
• Choose your preferred tenure.
• Tap Invest Now and enter your investment amount.
• Click Continue and provide your Aadhaar and PAN card details.
• Add a nominee and review all entered information.
• Link your bank account for future withdrawals.
• Complete VKYC (Video KYC) for one-time identity verification.
• Make the payment to complete your FD booking.

Once your FD is successfully booked, you will receive a confirmation and FD receipt on your registered mobile number, email ID, and WhatsApp. The receipt includes details such as your FDR number and customer ID, and you can access it anytime through the passbook section on the app.