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Capital Small Finance Bank
Bank Overview
Type
Small FinanceHeadquarters
JalandharFounded
2016Branches
211DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
1.24%Strong
CAR
22.31%Strong
PCR
51.90%Weak
LCR
178.60%Strong
CASA
34.70%Strong
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
•This bank is covered by DICGC deposit insurance up to ₹5 lakhs per depositor
Frequently Asked Questions
Quick answers to the most common questions about Capital Small Finance Bank accounts.
As of August 2026, Capital Small Finance Bank offers up to 7.25% p.a. on Fixed Deposits and up to 3.10% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, Capital Small Finance Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with Capital Small Finance Bank starts from 15 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,344
MATURITY DATE
17 Aug 2027
Interest rate7.15% p.a.
Principal₹1,00,000
Total interest₹7,344
Indicative only. Actual figures may vary.