Small Finance Bank FD Interest Rates 2026
Small Finance Bank FD interest rates range from 2.75% p.a. to 8.25% p.a. for general citizens, depending on the bank and tenure. Tenures run from seven days to ten years, and Tax Saver FDs carry a five-year tenure with tax benefits. This page lists current FD rates offered by small finance banks to general and senior citizens.
Flexible tenures ranging from seven days to ten years, and tax benefits for the category of Tax Saver FDs which have a tenure of 5 years. Banks, Non-Banking Finance Companies (NBFCs), and small finance banks offer fixed deposit facilities in India.
Fixed Deposit Options in Small Finance Banks
Here are the top 10 small finance banks in India that offer competitive interest rates for fixed deposits:
- Ujjivan Small Finance Bank Fixed Deposit
- Jana Small Finance Bank Fixed Deposit
- Equitas Small Finance Bank Fixed Deposit
- AU Small Finance Bank Fixed Deposit
- Capital Small Finance Bank Fixed Deposit
- ESAF Small Finance Bank Fixed Deposit
- Slice Small Finance Bank Fixed Deposit (previously North East Small Finance Bank)
- Suryoday Small Finance Bank Fixed Deposit
- Utkarsh Small Finance Bank Fixed Deposit
- Unity Small Finance Bank Fixed Deposit
Fixed Deposit Interest Rates Offered by Top Small Finance Banks
Listed below are the interest rates offered to the general public and senior citizens for investing in FDs depending on the tenure by various small finance banks.
FD Rates Offered on Various Tenures for Deposits Below 3 Crore by Ujjivan Small Finance Bank
Tenure | Interest Rate for general citizens (p.a.) |
7 days to 29 days | 3.50% |
30 days to 89 days | 4.15% |
90 days to 179 days | 4.65% |
180 days | 6.00% |
6 months to less than 1 year | 5.50% |
1 year to less than 2 years | 7.25% |
2 years | 7.55% |
2 year 1 day to 3 years | 7.25% |
3 year 1 day to 3 year 6 months | 7.80% |
More than 3 year 6 months to 5 years | 7.20% |
5 years 1 day | 7.30% |
5 Years 2 Days to 10 Years | 6.50% |
Additional interest rate for senior citizens | 0.50% |
Note: The interest rates are effective from 1 September 2026. Senior citizens are offered an additional interest rate of 0.50% p.a. over the general public rates, as shown in the table above (as of September 2026).
FD Rates Offered on Various Tenures for Deposits Less than Rs. 3 crore by Jana Small Finance Bank
Tenure | Regular FD Interest Rates (p.a.) | Senior Citizen FD Interest Rates (p.a.) |
7 Days to 14 Days | 3.50% | 3.50% |
15 Days to 60 Days | 4.25% | 4.25% |
61 Days to 90 Days | 4.75% | 4.75% |
91 Days to 120 Days | 5.00% | 5.00% |
121 Days to 180 Days | 6.00% | 6.00% |
181 Days to 270 days | 6.50% | 7.00% |
271 Days to 366 Days | 7.00% | 7.50% |
367 Days to 2 years | 7.30% | 7.80% |
More than 2 years to 3 years | 8.00% | 8.30% |
More than 3 years to 5 years | 7.77% | 8.00% |
More than 5 years to 10 years | 6.50% | 7.00% |
Note: The rates are effective as of 29 September 2026.
FD Rates Offered on Various Tenures for Deposits Less than Rs. 3 crore by Equitas Small Finance Bank
Tenure | Regular FD Interest Rates (p.a.) | Senior Citizens FD Interest Rate (p.a.) |
7 Days to 14 Days | 3.50% | 4.00% |
15 Days to 29 Days | 3.50% | 4.00% |
30 Days to 45 Days | 4.00% | 4.50% |
46 Days to 62 Days | 4.75% | 5.25% |
63 Days to 90 Days | 4.75% | 5.25% |
91 Days to 120 Days | 5.25% | 5.75% |
121 Days to 180 Days | 5.25% | 5.75% |
181 Days to 210 Days | 6.35% | 6.85% |
211 Days to 270 Days | 6.35% | 6.85% |
271 Days to 364 Days | 6.35% | 6.85% |
1 Year to 443 Days | 7.10% | 7.60% |
444 Days | 7.10% | 7.60% |
445 Days to 18 Months | 7.10% | 7.60% |
18 Months 1 Day to 2 Years | 7.00% | 7.50% |
2 Years 1 Day to 776 Days | 7.10% | 7.60% |
777 Days | 7.10% | 7.60% |
778 Days to 887 Days | 7.10% | 7.60% |
888 Days | 7.75% | 8.25% |
889 Days to 3 Years | 7.10% | 7.60% |
3 Years 1 day | 8.00% | 8.50% |
3 Years 2 Day to 4 Years | 7.00% | 7.50% |
4 Years 1 Day to 5 Years | 7.00% | 7.50% |
5 years 1 day to 10 years | 7.00% | 7.50% |
Note: The rates offered are effective as of 16 June 2026.
FD Rates Offered on Various Tenures for Deposits Less than Rs. 3 crore by AU Small Finance Bank
Tenure Bucket | Interest Rate (p.a.) |
7 Days to 1 Months 15 Days | 3.50% |
1 Months 16 Days to 3 Months | 4.75% |
3 Months 1 Day to 6 Months | 5.25% |
6 Months 1 Day to 12 Months | 6.35% |
12 Months 1 Day to 15 Months | 7.10% |
15 Months 1 Day to 18 Months | 7.00% |
18 Months 1 Day to 24 Months | 7.00% |
24 Months 1 Day to 30 Months | 7.10% |
30 Months to 36 Months | 7.40% |
36 Months 1 Day to 45 Months | 7.00% |
45 Months 1 Day to less than 60 Months | 6.75% |
60 Months to 120 Months | 6.75% |
Note: The interest rates are effective from 1 September 2026.
FD Rates Offered on Various Tenures for Deposits Less than Rs.3 crore by Capital Small Finance Bank
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 | 5.50% | 6.00% |
1 year to less than 5 years | 7.00% | 7.50% |
5 years and up to 10 years | 7.00% | 7.50% |
Special Category | ||
12 Months | 7.15% | 7.65% |
*400 Days | 7.10% | 7.60% |
*600 Days | 7.25% | 7.75% |
*900 Days | 7.25% | 7.75% |
Note: The interest rates mentioned in the table are effective from 30 June 2026.
FD Rates Offered on Various Tenures for Deposits Less than Rs.3 crore by ESAF Small Finance Bank
Tenure | Interest Rate p.a. (General Public) | Interest Rate p.a. (Senior Citizens) |
7 Days to 14 Days | 2.75% | 3.25% |
15 Days to 59 Days | 3.25% | 3.75% |
60 Days to 90 Days | 3.75% | 4.25% |
91 Days to 182 Days | 4.00% | 4.50% |
183 Days to 1 Year | 6.00% | 6.50% |
1 Year 1 Day to 500 Days | 7.25% | 7.75% |
501 Days | 7.50% | 8.00% |
502 days to less than 2 years | 7.25% | 7.75% |
2 years to 799 days | 7.75% | 8.25% |
800 Days | 8.00% | 8.50% |
801 Days to less than 3 years | 7.75% | 8.25% |
3 years to less than 5 years | 6.00% | 6.50% |
5 years to 10 years | 5.75% | 6.25% |
Note: The rate offered is effective as of 17 August 2026.
FD Rates Offered on Various Tenures for Deposits Less than Rs.3 crore by Suryoday Small Finance Bank
Tenure | Regular FD Rates (p.a.) | Senior Citizen FD Rates (p.a.) |
7 Days to 14 Days | 4.00% | 4.15% |
15 Days to 45 Days | 4.25% | 4.40% |
46 Days to 90 Days | 4.50% | 4.65% |
91 Days to 6 Months | 5.00% | 5.15% |
6 Months 1 Day | 6.50% | 6.65% |
Above 6 Months to 9 Months | 5.50% | 5.65% |
Above 9 Months to less than 1 Year | 6.00% | 6.15% |
1 Year | 7.25% | 7.40% |
Above 1 Year to less than 18 Months | 7.25% | 7.40% |
18 Months | 7.80% | 7.95% |
Above 18 Months to 2 years | 7.25% | 7.40% |
Above 2 Years to less than 30 Months | 7.25% | 7.40% |
30 Months | 8.10% | 8.25% |
Above 30 Months to 3 Years | 7.25% | 7.40% |
Above 3 Years to less than 5 Years | 6.75% | 6.90% |
5 Years | 8.25% | 8.50% |
Above 5 Years to 10 Years | 7.25% | 7.40% |
Note: The interest rate is effective from 24 September 2026.
FD Rates Offered on Various Tenures for Deposits for Less than Rs.3 crore by Utkarsh Small Finance Bank
Tenure | FD Rates for General Public (p.a.) | FD Rates for Senior Citizens (p.a.) |
7 Days to 45 Days | 4.00% | 4.50% |
46 Days to 90 Days | 4.50% | 5.00% |
91 Days to 180 Days | 5.00% | 5.50% |
181 Days to 370 Days | 6.00% | 6.50% |
371 Days to 665 Days | 7.25% | 7.75% |
666 Days | 8.10% | 8.25% |
667 Days to 2 Years | 7.25% | 7.75% |
2 Years to 3 Years | 7.50% | 8.00% |
Above 3 Years to less than 4 Years | 7.25% | 7.75% |
4 Years to 5 Years | 7.00% | 7.50% |
Above 5 Years to 10 Years | 6.75% | 7.25% |
Note: The interest rates mentioned in the table are effective 5 May 2026 and are subject to change as per the bank's discretion.
FD Rates Offered on Various Tenures for Deposits Less than Rs.3 crore by Unity Small Finance Bank
Tenure | General Public FD Rates (p.a.) | Senior Citizen FD Rates (p.a.) |
7 Days to 14 Days | 4.00% | 4.00% |
15 Days to 45 Days | 4.00% | 4.00% |
46 Days to 60 Days | 4.75% | 5.25% |
61 Days to 90 Days | 5.00% | 5.50% |
91 Days to 164 Days | 5.00% | 5.50% |
165 Days to 6 Months | 5.50% | 6.00% |
Above 6 Months to 201 Days | 6.25% | 6.75% |
202 Days to 364 Days | 6.25% | 6.75% |
1 Year | 7.50% | 8.00% |
1 Year 1 Day | 6.50% | 7.00% |
1 Year 1 Day to 500 Days | 6.50% | 7.00% |
501 Days | 8.00% | 8.50% |
502 Days to 18 Months | 6.75% | 7.25% |
18 Months to 700 Days | 6.75% | 7.25% |
701 Days | 6.75% | 7.25% |
702 Days to 998 Days | 6.75% | 7.25% |
999 Days to 34 Months | 6.75% | 7.25% |
Above 34 Months to 36 Months | 6.75% | 7.25% |
Above 3 Years to 5 Years | 6.75% | 7.25% |
Above 5 Years to 10 Years | 6.00% | 6.50% |
Note: The interest rates mentioned in the table are effective from 15 July 2026.
Summary
Small finance bank FD rates differ by bank, tenure and customer category, and each bank's current rates are listed in the tables above. Compare the tenures, special-tenure rates and senior citizen rates before you book a small finance bank FD. Choose the FD that suits your amount and tenure, and check the bank's official site for its latest rates before investing.
FAQs on Small Finance Bank FD Rates
1.What is a Small Finance Bank FD?
A Small Finance Bank FD is a fixed deposit offered by a small finance bank licensed by the Reserve Bank of India, where you invest a lump sum for a fixed tenure at a pre-agreed interest rate. Each small finance bank sets and revises its own FD rates. The tables above list the rates bank-wise.
2. What is the tenure range for Small Finance Bank FD investments?
Small Finance Bank FDs can generally be opened for tenures ranging from seven days to ten years. The exact tenure slabs differ by bank and are shown in each bank's rate table above. Some banks also offer special tenures.
3.Do all Small Finance Banks offer higher interest to senior citizens on an FD?
Most small finance banks offer senior citizens a higher FD interest rate than the regular rate, but the extra margin and the tenures it covers differ by bank. Some banks do not give the benefit on every tenure. Check the senior citizen column in each bank's table above.
4.What are the minimum and maximum tenures for a Small Finance Bank FD?
A Small Finance Bank FD can usually be opened for a minimum of seven days and a maximum of ten years. The tenure slabs available depend on the individual bank. Refer to the rate tables above for each bank's slabs.
5.Do Small Finance Banks offer special FD tenures?
Yes, many small finance banks offer special FD tenures that carry a different interest rate from the regular slabs. These special tenures are usually fixed-day or limited-period deposits and may be withdrawn or changed by the bank. Check the rate tables above for the special tenures currently listed.
6.Are Small Finance Banks safe for Fixed Deposits (FD)?
Small finance banks are regulated by the Reserve Bank of India, and their deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to the limit prescribed for each depositor per bank. They are generally considered to carry higher risk than large scheduled commercial banks. Review the insurance cover and the bank's standing before you invest in a Small Finance Bank FD.
7.What is the minimum deposit required to open a Small Finance Bank FD account?
Each small finance bank sets its own minimum deposit for opening an FD, and it can vary by bank and FD type. The minimum is usually modest. Check the bank's terms before booking a Small Finance Bank FD.
8. Is there a maximum limit for investing in a Small Finance Bank FD?
Small finance banks generally do not cap how much you can place in an FD, but the limit can differ from bank to bank. Larger deposits may be treated as bulk deposits and may attract a separate rate card. Check the bank's terms for its limit and rate card.
9. Can a Small Finance Bank FD be withdrawn before maturity?
Yes, most Small Finance Bank FDs can be withdrawn before maturity, subject to the bank's premature withdrawal rules. Some FD variants, such as tax saver FDs, have a lock-in period and do not allow it. Check the terms of your Small Finance Bank FD before you book.
10.What happens if I close my Small Finance Bank FD before maturity?
If you close a Small Finance Bank FD before maturity, the bank returns your principal along with interest, usually at a lower rate or after deducting a penalty. The exact penalty and the rate applied depend on the bank's terms. Deposits closed within a very short period may earn no interest.
11.Is TDS applicable on Small Finance Bank FD interest?
Yes, tax deducted at source (TDS) applies to Small Finance Bank FD interest once the interest earned crosses the annual threshold set under income tax rules. Depositors whose total income is below the taxable limit can submit the applicable declaration form to the bank to avoid TDS. The threshold can differ by customer category.
12.Can I take a loan against my Small Finance Bank FD account?
Yes, many small finance banks offer a loan or overdraft against an FD, which lets you meet urgent needs without closing the deposit. The loan amount is a percentage of the deposit, and the interest is usually slightly higher than the FD rate. The terms differ by bank.
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