FD INTEREST RATES OF

SMALL FINANCE BANKS

Which bank provides maximum interest on FD?

UNITY SMALL FINANCE BANK PAYS HIGHEST INTEREST RATE :
Dated  15.05.2025 : Reserve Bank of India (RBI) had issued a small finance bank (SFB) licence to Unity Small finance Bank in June 2021 . It is floated by the Centrum Group-BharatPe consortium. The new bank had taken over the assets and liabilities of the beleaguered PMC Bank which was put under section 35a OF RBI Act restricting its operations . .
​ The bank is paying highest interest rate of 9.5 % pa to the senior citizens for retail deposits of 1001 days . ( 9 % for the general public ) .
For the deposit rates for other period you may visit the website of UNITY SMALL FINANCE BANK

Which bank provides maximum interest on FD?

FOR ONE YEAR DEPOSITS
.The Small Finance banks are paying interest now in the range of 5.00 % to 7.90  % for public and 5.50 % to 8.40 % for the senior citizens

FOR 5 YEAR DEPOSITS
​​Small finance banks pay between 6.00 % to 8.60 % for public ( 6.50 % to 9.10 pa % for the senior citizens ).​

NOTE : 1. Depositors get DICGC cover of Rs 5.00 lakhs on Bank Deposits as insurance . The Rates as on 15.05.2025 :​​​​​​​

SMALL FINANCE BANKS INTEREST RATES :

Interest Rates for 1 year for the General public and Senior Citizens :
1. CAPITAL SMALL FINANCE BANK 7.15% ( 7.65 % for the Senior Citizens )
2. SURYODAY SMALL FINANCE BANK 7.90 % ( 8.40 % for the Senior Citizens )
​3.​ UJJIVAN SMALL FINANCE BANK 7.90 % ( 8.40 % for the Senior Citizens )
4. UTKARSH SMALL FINANCE BANK 6.25 % ( 6.75 % for the Senior Citizens )
5. ​NORTH EAST SMALL FINANCE BANK 7.00 % ( 7.50 % for the Senior Citizens )
6 . ESAF SMALL FINANCE BANK 5.00 % ( 5.50 % for the Senior Citizens )
7. JANA SMALL FINANCE BANK 7.50 % ( 8.00 % for the Senior Citizens )
​8. AU SMALL FINANCE BANKS 7.00 % ( 7.50 % for the Senior Citizens )
​ 9. EQUITAS SMALL FINANCE BANK 7.90 % ( 8.40 % for the Senior Citizens )
​10. SHIVALIK SMALL FINANCE BANK 6.00 % ( 6.50 % for the Senior Citizens )
11. UNITY SMALL FINANCE BANK 7.35 % ( 7.85 % for the Senior Citizens )

Interest Rates for 5 years for General public and Senior Citizens :

1. CAPITAL SMALL FINANCE BANK 7.10 % ( 7.60 % for the Senior Citizens )
2. SURYODAY SMALL FINANCE BANK 8.60 % ( 9.10% for the Senior Citizens )
​3.​ UJJIVAN SMALL FINANCE BANK 7.20 % ( 7.70 % for the Senior Citizens )
4. UTKARSH SMALL FINANCE BANK 7.75 % ( 8.25 % for the Senior Citizens )
5. ​NORTH EAST SMALL FINANCE BANK 8.00 % ( 8.50 % for the Senior Citizens )
6 . ESAF SMALL FINANCE BANK 6.00 % ( 6.50 % for the Senior Citizens )
7. JANA SMALL FINANCE BANK 8.20 % ( 8.20 % for the Senior Citizens )
​8. AU SMALL FINANCE BANKS 7.25 % ( 7.75 % for the Senior Citizens )
9. EQUITAS SMALL FINANCE BANK 7.25 % ( 7.75 % for the Senior Citizens )
​10. SHIVALIK SMALL FINANCE BANKS 6.50% ( 7.00 % for the Senior Citizens )
11. UNITY SMALL FINANCE BANK 7.65 % ( 8.15 % for the Senior Citizens )​

SMALL FINANCE BANKS WHICH PAY INTEREST RATES OF 7 % OR MORE TO SENIOR CITIZENS :

Dated  15.05.2025 : The following banks are paying interest rates of 7 % or more to their Senior Citizen customers for 5 years and above Fixed Deposits as of now :

​1. SURYODAY SF BANK : 9.10 % p.a.
2. UJJIVAN SF BANK : 7.70 % p.a

3. SHIVALIK SF BANK : 7.00 % pa 

4.AU SF BANK :  7 .75 % pa

5.UTKARSH SF : 8.25 % pa

6, EQUITAS SF : 7.75 % pa

7. CAPITAL SF BANK : 7.60 % pa

8 . UNITY SF BANK : 8.15 % pa

9. JANA SF BANK : 8.20 % PA

10.North East SF Bank : 8.50 % pa

The following banks pay interest rates of 7 % or more for one-year deposits to senior citizens  

1. UJJIVAN SF BANK : 8.40 % pa

 ​2. JANA SF BANK : 8.00 % pa
3. SURYODAYA ​​SF : 8.40 % PA 

4. EQUITAS SF : 8.40 % pa
5. CAPITAL SF : 7.65 % pa
6. NORTH EAST SF : 7.50 % pa
7. UNITY SF BANK : 7.85 % pa

8 . AU SF BANK : 7.50 % 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 15.05.2025

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