Capital Small Finance Bank FD Interest Rates

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.

*The interest rates are subject to change as per the discretion of the bank. Rates with effect from 17 June 2025.

Capital Small Finance Bank NRO Fixed Deposit Interest Rates

Note: * Special Category. The interest rates mentioned in the table are effective 17 June 2025.  

Capital Small Finance Bank NRE Fixed Deposit Interest Rates

Note: The interest rates mentioned in the table are effective 17 June 2025.

Term-wise Capital Small Finance Bank FD Interest Rates

Capital Small Finance Bank Short-term Deposits

1. Short-term deposits have a tenure of 15 days to less than 1 year with interest rates ranging from 3.50% p.a. to 5.50% p.a. for the general public.

Capital Small Finance Bank Medium-term Deposits

1. Medium-term fixed deposits range from 1 year to less than 60 months with the interest rate fixed at 7.10% p.a.

Capital Small Finance Bank Long-term Deposits

1. Long-term fixed deposits range from 5 years to 10 years with the interest rate fixed at 7.00% p.a.
   

Capital Small Finance Bank Fixed Deposits for Senior Citizens

1. Senior citizens get an additional 0.50% p.a. interest rate ranging from 4.00% p.a. to 7.50% p.a.  for tenures that range from 15 days up to 10 years.
2. Senior citizens get 7.80% p.a. for a special category tenure of 400 days and 7.65% 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:

1. Depositor type: Senior citizens are offered an additional interest rate.
2. Deposit Amount: Bulk deposits exceeding Rs.2 crore are sometimes given higher interest rates.
3. 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.