Small Finance Bank FD Rates
Fixed deposits are one of the most popular modes of investment in India. Fixed deposits are considered to be risk-free investments that guarantee assured returns on maturity with attractive interest rates.
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
- North East Small Finance Bank Fixed Deposit
- 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 12 Months | 5.50% |
12 Months to less than 24 Months | 7.25% |
24 Months | 7.45% |
24 Months 1 Day to 990 Days | 7.25% |
991 Days to 60 Months | 7.20% |
60 Months 1 Day to 120 Days | 6.50% |
Note: The interest rates are effective from 5 August 2025. Also, there is no additional interest rate for senior citizens.
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 | 5.15% | 5.15% |
15 Days to 60 Days | 5.25% | 5.25% |
61 Days to 90 Days | 6.00% | 6.00% |
91 Days to 120 Days | 6.00% | 6.00% |
121 Days to 180 Days | 6.00% | 6.00% |
181 Days to 365 days | 7.25% | 7.75% |
More than 1 year to 383 Days | 7.25% | 7.75% |
384 Days | 7.77% | 7.77% |
385 Days to 2 years | 7.25% | 7.75% |
More than 2 years to 3 years | 7.50% | 8.00% |
More than 3 years less than 5 years | 7.25% | 7.75% |
5 years | 8.00% | 8.00% |
More than 5 years to 10 Years | 6.50% | 7.00% |
Note: The rates are effective as of 21 August 2025.
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 | 4.50% | 5.00% |
63 Days to 90 Days | 5.50% | 6.00% |
91 Days to 120 Days | 5.50% | 6.00% |
121 Days to 180 Days | 5.50% | 6.00% |
181 Days to 210 Days | 6.50% | 7.00% |
211 Days to 270 Days | 6.50% | 7.00% |
271 Days to 364 Days | 6.75% | 7.25% |
1 Year to 443 Days | 7.25% | 7.75% |
444 Days | 7.25% | 7.75% |
445 Days to 18 Months | 7.25% | 7.75% |
18 Months 1 Day to 2 Years | 7.25% | 7.75% |
2 Years 1 Day to 776 Days | 7.25% | 7.75% |
777 Days | 7.25% | 7.75% |
778 Days to 887 Days | 7.25% | 7.75% |
888 Days | 7.60% | 8.10% |
889 Days to 3 Years | 7.25% | 7.75% |
3 Years 1 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 1 July 2025.
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 | 6.90% |
15 Months 1 Day to 18 Months | 6.90% |
18 Months 1 Day to 24 Months | 6.90% |
24 Months 1 Day to 36 Months | 7.10% |
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 3 July 2025.
FD Rates Offered on Various Tenures For Deposits up to Rs.2 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 | 6.90% | 7.40% |
Special Category | ||
12 Months | 7.15% | 7.65% |
*400 Days | 7.15% | 7.65% |
*600 Days | 7.05% | 7.55% |
*900 Days | 7.05% | 7.55% |
Note: * Special Category. The interest rates mentioned in the table are effective 30 July 2025.
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 | 4.75% | 5.25% |
1 Year 1 Day to 443 Days | 7.25% | 7.75% |
444 Days | 7.60% | 8.10% |
445 Days to less than 2 Years | 7.25% | 7.75% |
2 Years to less than 3 Years | 7.25% | 7.75% |
3 Years to 5 Years | 6.00% | 6.50% |
Note: The rate offered are effective as of 18 June 2025.
FD Rates Offered on Various Tenures For Deposits Rs.3 crore by North East Small Finance Bank
Tenure | Regular FD Rates (p.a.) | Senior Citizen FD Rates (p.a.) |
7 Days to 29 Days | 3.50% | 4.00% |
30 Days to 45 Days | 4.25% | 4.75% |
46 Days to 3 Months | 4.75% | 5.25% |
3 Months 1 Day to 6 Months | 5.50% | 5.75% |
6 Months 1 Day to 12 Months | 6.75% | 7.00% |
12 Months 1 Day to 18 Months | 8.00% | 8.00% |
18 Months 1 Day to 18 Months 2 Days | 8.50% | 8.50% |
18 Months 3 Day to 36 Months | 8.25% | 8.25% |
36 Months 1 Day to 60 Months | 7.75% | 8.25% |
60 Months 1 Day to 120 Months | 6.50% | 6.75% |
Note: The interest rates mentioned in the table are effective from 27 June 2025.
FD Rates Offered on Various Tenures For Deposits More 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% | 4.40% |
15 Days to 45 Days | 4.25% | 4.65% |
46 Days to 90 Days | 4.50% | 4.90% |
91 Days to 6 Months | 5.00% | 5.40% |
6 Months 1 Day | 7.25% | 7.65% |
Above 6 Months to 9 Months | 5.50% | 5.90% |
Above 9 Months to less than 1 Year | 6.00% | 6.40% |
1 Year | 7.50% | 7.90% |
Above 1 Year to 15 Months | 7.50% | 7.90% |
Above 15 Months to 18 Months | 7.50% | 7.90% |
Above 18 Months to 2 Years | 7.50% | 7.90% |
Above 2 Years to 30 Month | 7.50% | 7.90% |
Above 30 Months to 36 Months | 7.75% | 8.15% |
Above 3 Years to less than 5 Years | 6.75% | 7.15% |
5 Years | 8.20% | 8.40% |
5 Years to 10 Years | 7.25% | 7.65% |
Note: The interest rate is effective from 1 August 2025.
FD Rates Offered on Various Tenures For Deposits For Less than Rs.3 crore by Utkarsh Small Finance Bank
Tenure | FD Rates for Genaral Public (p.a.) | FD Rates for Senior Citizens (p.a.) |
7 Days to 45 Days | 4.00% p.a. | 4.50% p.a. |
46 Days to 90 Days | 4.50% p.a. | 5.00% p.a. |
91 Days to 180 Days | 5.00% p.a. | 5.50% p.a. |
181 Days to 370 Days | 6.00% p.a. | 6.50% p.a. |
371 Days to less than 2 Years | 7.25% p.a. | 7.75% p.a. |
2 Years to up to 3 Years | 7.65% p.a. | 8.15% p.a. |
Above 3 Years to less than 4 Years | 7.50% p.a. | 8.00% p.a. |
4 Years to up to 5 Years | 7.25% p.a. | 7.75% p.a. |
Above 5 Years to 10 Years | 7.00% p.a. | 7.50% p.a. |
Note: The interest rates mentioned in the table are effective 25 July 2025 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 | 6.50% | 7.00% |
1 Year 1 Day | 6.75% | 7.25% |
1 Year 1 Day to 500 Days | 6.75% | 7.25% |
501 Days | 7.00% | 7.50% |
502 Days to 18 Months | 6.75% | 7.25% |
18 Months to 700 Days | 6.75% | 7.25% |
701 Days | 7.25% | 7.75% |
702 Days to 1000 Days | 6.75% | 7.25% |
1001 Days | 7.75% | 8.25% |
1002 Days to 3 Years | 7.25% | 7.75% |
Above 3 Years to 5 Years | 7.25% | 7.75% |
Above 5 Years to 10 Years | 7.00% | 7.50% |
Note: The interest rates mentioned in the table are effective from 1 July 2025.
FAQs on Small Finance Bank FD Rates
- What is the tenure range for fixed deposit investments?
Customers can choose to invest in a Fixed Deposit account for a tenure ranging from seven days to ten years.
- Do all Small Finance Banks offer 0.50% more interest to senior citizens for opening an FD?
While most banks offer 0.50% more interest to the senior citizens for opening an FD, there are other banks who offer up to 0.60% interest.
- What are the minimum and maximum tenure for which an FD can be opened?
The minimum and maximum tenure for which an FD can be opened is 7 days and 10 years, respectively.
- Can a term deposit be opened with Rs.1,000?
Yes, you can open a term deposit with Rs.1,000.
- Do Small Finance Banks offer special FD tenures?
Yes, special FD tenures are offered by Small Finance Banks.
- Are small finance banks safe for Fixed Deposits (FD)?
Small finance banks pose higher risks for investments compared to nationalised banks. However, all FD accounts are insured up to Rs. 5 lakh by the Reserve Bank of India (RBI), safeguarding investors' interests.
- What is the minimum deposit required to open a Fixed Deposit account?
The minimum deposit amount to open a Fixed Deposit account is Rs. 1,000, though this requirement may vary between banks.
- Is there a maximum limit for investing in a Fixed Deposit account?
There is generally no maximum limit for investing in Fixed Deposit accounts, but it can differ among banks. Depositors investing over Rs. 1 crore may receive customised interest rates from their bank.
- Can FDs be withdrawn before maturity?
Yes, premature withdrawal is possible if urgently needed. However, withdrawing before maturity may lead to a reduction in interest rates as per the bank's regulations.
- What happens if I close my Fixed Deposit before maturity?
If you close your FD prematurely, the bank will repay the principal amount along with the interest, usually at a lower rate or after deducting a penalty.
- Is the Tax Deduction at Source (TDS) applicable on FD interest?
The Tax Deduction at Source (TDS) is not applicable to FD interest up to Rs. 5,000 to Rs. 10,000, depending on the financial institution. Those below the taxable income limit can submit Form 15G/15H to avoid tax deductions.
- Can I take a loan against my Fixed Deposit account?
Yes, you can take a loan against your Fixed Deposit accounts to address financial emergencies, avoiding premature closure. Banks typically offer loans ranging from 60% to 90% of the deposited amount at slightly higher interest rates.
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