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Equitas Small Finance Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
Small FinanceHeadquarters
ChennaiFounded
2016Branches
1053DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
2.62%Fair
CAR
20.47%Strong
PCR
67.10%Fair
LCR
138.45%Strong
CASA
30.00%Fair
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 |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD | |
|---|---|---|
| Deposit Amount | Under $500K | $500K+ |
| 12 to 18 months | 5.10%BEST | 5.15%BEST |
| Above 18 to <36 months | 4.55% | 4.55% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year to 443 days | 7.10% |
444 days | 7.10% |
445 days to 18 months | 7.10% |
18 months to 2 years | 7.00% |
2 years to 776 days | 7.10% |
777 days | 7.10% |
778 to 887 days | 7.10% |
888 days | 7.75% |
889 days to 3 years | 7.10% |
3 years 1 daySpecial FD | 8.00%BEST |
3 to 4 years | 7.00% |
4 to 5 years | 7.00% |
5 to 10 years | 7.00% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, Equitas Small Finance Bank offers up to 8.00% p.a. on Fixed Deposits and up to 7.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, Equitas 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 Equitas Small Finance Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
Equitas Small Finance Bank offers tiered interest rates ranging from 2.50% to 7.00% p.a. depending on the balance slabs maintained in the savings account.
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.
Equitas SFB FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,291
MATURITY DATE
19 Sept 2027
Interest rate7.10% p.a.
Principal₹1,00,000
Total interest₹7,291
Indicative only. Actual figures may vary.