FD INTEREST RATES OF
SMALL FINANCE BANKS
Which bank provides maximum interest on FD?
Which small finance bank offers the highest interest rate on FDs?
FOR ONE YEAR DEPOSITS
The Small Finance banks are paying interest now in the range of 4.75 % to 7.40 % for the public and 5.25 % to 7.60 % for the senior citizens
FOR 5 YEAR DEPOSITS
Small finance banks pay between 5.75% and 8.40% for the public (6.50% to 8.40% per annum for senior citizens).
NOTE : 1. Depositors get DICGC cover of Rs 5.00 lakhs on Bank Deposits as insurance .
The Rates as on 06.10.2025 :
SMALL FINANCE BANKS INTEREST RATES :
Interest Rates for 1 year for the General public and Senior Citizens :
1. CAPITAL SMALL FINANCE BANK 7.00% ( 7.50 % for the Senior Citizens )
2. SURYODAY SMALL FINANCE BANK 7.40 % ( 7.60 % for the Senior Citizens )
3. UJJIVAN SMALL FINANCE BANK 6.25 % ( 6.50 % for the Senior Citizens )
4. UTKARSH SMALL FINANCE BANK 6.00% ( 6.50 % for the Senior Citizens )
5. NORTH EAST SMALL FINANCE BANK 6.25 % ( 6.50 % for the Senior Citizens )
6 . ESAF SMALL FINANCE BANK 4.75 % ( 5.25 % for the Senior Citizens )
7. JANA SMALL FINANCE BANK 7.25 % ( 7.75 % for the Senior Citizens )
8. AU SMALL FINANCE BANKS 6.35 % ( 6.85 % for the Senior Citizens )
9. EQUITAS SMALL FINANCE BANK 7.00 % ( 7.50 % for the Senior Citizens )
10. SHIVALIK SMALL FINANCE BANK 6.00 % ( 6.50 % for the Senior Citizens )
11. UNITY SMALL FINANCE BANK 6.50 % ( 7.00% for the Senior Citizens )
Interest Rates for 5 years for the General public and Senior Citizens :
1. CAPITAL SMALL FINANCE BANK 6.90 % ( 7.40 % for the Senior Citizens )
2. SURYODAY SMALL FINANCE BANK 8.20 % ( 8.40% for the Senior Citizens )
3. UJJIVAN SMALL FINANCE BANK 7.00 % ( 7.25 % for the Senior Citizens )
4. UTKARSH SMALL FINANCE BANK 7.25 % ( 7.75 % for the Senior Citizens )
5. NORTH EAST SMALL FINANCE BANK 6.25 % ( 6.50 % for the Senior Citizens )
6 . ESAF SMALL FINANCE BANK 5.75 % ( 6.25 % for the Senior Citizens )
7. JANA SMALL FINANCE BANK 8.00 % ( 8.00 % for the Senior Citizens )
8. AU SMALL FINANCE BANKS 6.75 % ( 7.25 % for the Senior Citizens )
9. EQUITAS SMALL FINANCE BANK 7.00 % ( 7.50 % for the Senior Citizens )
10. SHIVALIK SMALL FINANCE BANKS 6.50% ( 7.00 % for the Senior Citizens )
11. UNITY SMALL FINANCE BANK 6.75 % ( 7.25 % for the Senior Citizens )
SMALL FINANCE BANKS WHICH PAY INTEREST RATES OF 7 % OR MORE TO SENIOR CITIZENS :
Dated 06.10.2025 : The following banks are paying interest rates of 7 % or more to their Senior Citizen customers for 5 years or above Fixed Deposits as of now :
1. SURYODAY SF BANK : 8.40 % p.a.
2. UJJIVAN SF BANK : 7.25 % p.a
- SHIVALIK SF BANK : 7.00 % pa
4.AU SF BANK : 7 .25 % pa
5.UTKARSH SF : 7.75 % pa
6, EQUITAS SF : 7.50 % pa
- CAPITAL SF BANK : 7.40 % pa
8 . UNITY SF BANK : 7.25 % pa
- JANA SF BANK : 8.00 % PA
The following banks pay interest rates of 7 % or more for one-year deposits to senior citizens
1. JANA SF BANK : 7.75 % pa
2. SURYODAYA SF : 7.60 % PA
- EQUITAS SF : 7.50 % pa
- CAPITAL SF : 7.50 % pa
- UNITY SF BANK : 7.00 % pa
FOR THE LATEST FD INTEREST RATES OF PUBLIC SECTOR BANKS , CLICK HERE
FOR THE LATEST FD INTEREST RATES OF PRIVATE SECTOR BANKS , CLICK HERE
SPECIAL SCHEMES OF BANKS FOR SPECIAL PERIOD: as on 06.10. 2025
1. Capital SF Bank pays 7.15 % for 400 days, 7.05 % for 600 days, and 7.05 % for 900 days deposits for the public. It also pays 7.65 % for 400 days, 7.55 % for 600 days, and 7.55 % for 900 days deposits for senior citizens.
2. Equitas SF Bank pays 7.10 % and 7.60 % for 777 days for the General public and senior citizens respectively. It also pays 7.40 % and 7.90 % for 888 days for the General public and senior citizens, respectively
3. Unity SF Bank pays 6.75 % and 7.25 % for 501 days for the General public and senior citizens respectively. It pays 6.75 % and 7.25 % for 1001 days for General public and senior citizens respectively.
4, ESAF SF Bank pays 7.60 % for 444 days for General public . It pays 8.10% for 444 days for senior citizens .
INTEREST RATES OF PUBLIC SECTOR BANKS , CLICK HERE
FOR THE LATEST FD INTEREST RATES OF PRIVATE SECTOR BANKS , CLICK HERE
SPECIAL SCHEMES OF BANKS FOR SPECIAL PERIOD : as on 06.10.2025
1. Capital SF Bank pays 7.60 % for 400 days, 7.40 % for 600 days, and 7.30 % for 900 days deposits for the public. It also pays 8.10 % for 400 days, 7.90 % for 600 days, and 7.80 % for 900 days deposits for senior citizens.
2. Equitas SF Bank pays 7.90 % and 8.40 % for 444 days for the General public and senior citizens respectively. It also pays 8.05 % and 8.55. % for 888 days for the General public and senior citizens, respectively
3. Unity SF Bank pays 8.75 % and 9.25 % for 501 days for the General public and senior citizens respectively. It pays 9.00 % and 9.50 % for 1001 days for General public and senior citizens respectively.
4, ESAF SF Bank pays 7.75 % for 444 days for General public and senior citizens respectively . It pays 8.25 % for 444 days for senior citizens .
To know the latest interest rates offered by individual banks for various maturities , click on the name of the bank to reach their websites .
SMALL FINANCE BANKS
1. CAPITAL SMALL FINANCE BANK
2. SURYODAY SMALL FINANCE BANK
3. UJJIVAN SMALL FINANCE BANK
4. UTKARSH SMALL FINANCE BANK
5. NORTH EAST SMALL FINANCE BANK
6 . ESAF SMALL FINANCE BANK
7. JANA SMALL FINANCE BANK
8. AU SMALL FINANCE BANKS
9. FINCARE SMALL FINANCE BANK ( Since merged with AU Bank )
10. EQUITAS SMALL FINANCE BANK
11. SHIVALIK SMALL FINANCE BANKS
12. UNITY SMALL FINANCE BANK
