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City Union Bank vs Slice Bank Fixed Deposit Comparison 2026

Compare Fixed Deposit interest rates, maturity amounts, and features between City Union Bank (Public Sector) and Slice Bank (Private Sector). Analyze the security of public sector banking versus the convenience of private sector services.

City Union Bank Logo

City Union

Public Sector
VS
Slice Bank Logo

Slice Bank

Private Sector
City Union: Min ₹1,000
Slice Bank: Min ₹1,000
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns

Adjust the parameters below to see how returns compare between the two banks

₹

Five Lakhs rupees

₹1,000₹20,00,000
years
1 year10 years

Interest Rate Comparison

Interest Rates by Tenure

General rates across different tenures

Current selection: 3 years (1095 days) -City Union: % |Slice Bank: %

Side-by-Side Rate Comparison

Direct comparison of general rates

City Union
Slice Bank
Highlighted = Your selected tenure

Feature Comparison

Features
City Union
City Union
Public Sector
Slice Bank
Slice Bank
Private Sector
Minimum FD Amount
₹1,000
₹1,000
Current Interest Rate(Selected Tenure)
%
%
Premature Withdrawal Penalty
1%
1%
Official Rate Source
View Official RatesView Official Rates
City Union Bank
Public Sector Bank

Key Advantages:

Competitive interest rates
Secure banking
Online services available
Slice Bank
Private Sector Bank

Key Advantages:

Digital-first bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits up to ₹3 Crore
Interest compounded quarterly
Rates effective from September 17, 2025
Special rate for 18 months 1-2 days tenure (7.75%)
Important: Fixed Deposit Safety & Insurance Coverage

₹5 Lakh Insurance Limit

The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.

⚠️ Recommendation:

Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.

Smart Distribution Strategy

For ₹10 lakhs: Split between City Union (₹5L) + Slice Bank (₹5L)

For ₹15 lakhs: Add a third bank to the mix

Best of Both: Combine City Union (security) with Slice Bank (convenience)

💡 Pro Tip:

You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.

Key Insights & Recommendations

Choose City Union If:
  • •Minimum amount: ₹1,000
  • •Public Sector banking preference
  • •Competitive interest rates
  • •Secure banking
  • •Online services available
Choose Slice Bank If:
  • •Minimum amount: ₹1,000
  • •Private Sector banking preference
  • •Digital-first bank
  • •Competitive interest rates
  • •Digital banking services
Best Strategy:
  • •Split large amounts across both banks
  • •Keep ≤₹5L per bank for insurance
  • •Use City Union for stability
  • •Use Slice Bank for convenience
  • •Review rates periodically

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Ready to Invest in Fixed Deposits?

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