Bank FD Comparison Tool
City Union Bank vs Standard Chartered Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between City Union Bank (Private Sector) and Standard Chartered Bank (Private Sector).
City Union
Private Sector
VS
Standard Chartered
Private Sector
City Union: Min ₹1,000
Standard Chartered: Min ₹10,000
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
₹10,000₹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: % |Standard Chartered: %
Side-by-Side Rate Comparison
Direct comparison of general rates
City Union
Standard Chartered
Highlighted = Your selected tenure
Feature Comparison
Features | City Union Private Sector | Standard Chartered Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹10,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
City Union Bank
Private Sector Bank
Key Advantages:
Competitive interest rates
Secure banking
Online services available
Standard Chartered Bank
Private Sector Bank
Key Advantages:
International bank with global presence
Senior citizens get +0.50% additional interest
Digital FD booking available
Competitive interest rates
Wide network across India
Rates effective from 01.01.2026
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) + Standard Chartered (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 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
- •Private Sector banking preference
- •Competitive interest rates
- •Secure banking
- •Online services available
Choose Standard Chartered If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •International bank with global presence
- •Senior citizens get +0.50% additional interest
- •Digital FD booking available
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
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