South Indian Bank की नवीनतम ब्याज दरें - September 2026

South Indian Bank (SIB) Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from South Indian Bank (SIB):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate starts at 2.75% p.a. for balances up to ₹5 Lakh, scaling up to 3.00% – 4.50% p.a. on higher balance tiers.
• Retail Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 6.35% p.a. (Senior citizens receive an additional +0.50% at 6.85% p.a.). The 2-Year tenure offers peak regular yields up to 6.80% p.a. (7.30% p.a. for senior citizens).
• Home Loans (Housing Finance): Floating interest rates start from 7.75% p.a. linked to South Indian Bank's Repo Linked Lending Rate (RLLR), featuring repayment tenures up to 30 years and Drop Line OD options.
• Vehicle & Personal Loans: Auto financing rates start from 8.25% – 8.75% p.a. for tenures up to 7 years. Unsecured personal loans start from 10.50% p.a. on a reducing balance basis.
• Credit Cards: Standard retail revolving finance charge is 3.35% per month (40.20% annualized; select cards like SIB SimplySAVE up to 45.00% APR) with an interest-free grace period of up to 50 days.

💡 Financial Recommendation: Applicants with a CIBIL credit score of 750+ unlock South Indian Bank's most favorable risk-spread tiers over RLLR and qualify for processing fee concessions under festive retail campaigns.