• Capital Small Finance Bank FD Interest Rates

    Capital Small Finance Bank's fixed deposit schemes have interest rates that range from 3.50% p.a. to 6.40% p.a. for tenures that range from 2 weeks up to 10 years. Senior citizens get 0.50% p.a. additional interest rate. These rates are effective from 6 November 2020.

    Capital Small Finance Bank FD Interest Rates for Domestic Term Deposits

    These are the interest rates for domestic term deposits:

    Tenure For General Public (% p.a.) For Senior Citizens (% p.a.)
    15 days to 30 days 3.50% 4.00%
    31 days to 45 days 3.50% 4.00%
    46 days to 89 days 4.00% 4.50%
    90 days to 179 days 4.75% 5.25%
    180 days to less than 1 year 5.25% 5.75%
    1 year to less than 5 years 6.00% 6.50%
    5 years and up to 10 years 6.00% 6.50%
    *400 Days 6.25% 6.75%
    *900 Days 6.40% 6.90%

    Note: * Special Category. The interest rates mentioned in the table are effective 6 November 2020.

    Interest Rates for Capital Small Finance Bank Tax Saver FD

    You can avail tax deductions of up to Rs.1.5 lakh if you invest in the Tax Saver FD of Capital Small Finance Bank, as applicable under Section 80C of the Income Tax Act, 196. There is no premature withdrawal because of the 5-year lock-in period. There is an additional interest rate of 0.50% p.a. for senior citizens.

    Maturity Period General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    5 years 6.00% 6.50%

    *The interest rates are subject to change as per the discretion of the bank. Rates with effect from 6 November 2020.

    Capital Small Finance Bank NRO Fixed Deposit Interest Rates

    Tenure For General Public (% p.a.)
    15 days to 30 days 3.50%
    31 days to 45 days 3.50%
    46 days to 89 days 4.00%
    90 days to 179 days 4.75%
    180 days to less than 1 year 5.25%
    1 year to less than 5 years 6.00%
    5 years and up to 10 years 6.00%
    *400 Days 6.25%
    *900 Days 6.40%

    Note: * Special Category. The interest rates mentioned in the table are effective 6 November 2020.

    Capital Small Finance Bank NRE Fixed Deposit Interest Rates

    Tenure Interest Rate (p.a.)
    12 months to less than 60 months 6.00%
    60 months and up to 120 months 6.00%
    400 Days 6.25%
    900 Days 6.40%

    Note: The interest rates mentioned in the table are effective 6 November 2020.

    Term-wise Capital Small Finance Bank FD Interest Rates

    Capital Small Finance Bank Short-term Deposits

    • Short-term deposits have a tenure of 15 days to less than 1 year with interest rates ranging from 3.50% p.a. to 5.25% p.a. for the general public.

    Capital Small Finance Bank Medium-term Deposits

    • Medium-term fixed deposits range from 1 year to less than 60 months with the interest rate fixed at 6.00% p.a.

    Capital Small Finance Bank Long-term Deposits

    Capital Small Finance Bank Fixed Deposits for Senior Citizens

    • Senior citizens get an additional 0.50% p.a. interest rate ranging from 4.00% p.a. to 6.50% p.a. for tenures that range from 15 days up to 10 years.
    • Senior citizens get 6.75% p.a. for a special category tenure of 400 days and 6.90% p.a. for a special category tenure of 900 days.

    Factors that Affect Capital Small Finance Bank Fixed Deposit Rates

    There are many factors that affect a bank's fixed deposit interest rates such as:

    • Depositor type: Senior citizens are offered an additional interest rate.
    • Deposit Amount: Bulk deposits exceeding Rs.2 crore are sometimes given higher interest rates.
    • Deposit Tenure: The longer the tenure, a higher interest rate is given by the bank, and vice versa.

    Calculating Capital Small Finance Bank FD Interest Rates

    Knowing how much you can expect by investing in a fixed deposit will help you determine the best tenure for your requirements. You can find this easily by using the online FD interest rate calculator. All you have to do is enter your desired deposit amount, the interest rate for the particular tenure, and the tenure. The result will be accurately and instantly displayed on the page.

    To illustrate this with an example, if you invest Rs.1 lakh in an FD account with Capital Small Finance Bank for a tenure of 5 years, with the current interest rate being 6.00% p.a. for the general public (and assuming you are below the age of 60), then with a quarterly compounding frequency, the amount you will earn on maturity will be you will earn Rs.1.3 lakh as the interest earned will be Rs.30,000.

    FAQs on Capital Small Finance Bank Interest Rates

    1. Is the interest rate on Capital Small Finance Bank FD an annual compounding interest?

      Capital Small Finance Bank offers quarterly compounding interest for the cumulative deposit with a tenure ranging from 1 year up to 10 years.

    2. Does Capital Small Finance Bank offer simple interest on the FD?

      Capital Small Finance Bank offers simple interest on fixed deposits which have tenures that range from 15 days to 364 days.

    3. Can I get a quarterly interest payout on Capital Small Finance Bank FD?

      Yes, you can get a quarterly interest payout on Capital Small Finance Bank's fixed deposit by investing in the Quarterly Interest Deposit Scheme (QIDS) which has a minimum tenure of 1 year and a maximum tenure of 10 years.

    4. Does Capital Small Finance Bank have a monthly interest payout option?

      Yes, Capital Small Finance Bank has a monthly interest payout option if you invest in the Monthly Interest Deposit Scheme (MIDS) which has a tenure ranging from 1 year up to 10 years.

    5. Does Capital Small Finance Bank have any other interest payout option for the Tax Saver FD other than interest payout on maturity?

      Yes, Capital Small Finance Bank's Tax Saver FD can be booked with an interest payout on a quarterly basis as well as interest payout on maturity.

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