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ESAF Small Finance Bank
Safety:Bank Safety:Moderate
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
Small FinanceHeadquarters
ThrissurFounded
2017Branches
804DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
1.80%Fair
CAR
22.20%Strong
PCR
69.00%Fair
LCR
119.37%Fair
CASA
23.90%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+ |
| 365 days | 5.00% | 5.10% |
| 366 days | 5.10%BEST | 5.20%BEST |
| 367 to 730 days | 5.00% | 5.10% |
| 731 to 1095 days | 4.50% | 4.60% |
| 1096 to 1460 days | 4.00% | 4.10% |
| 1461 to 1825 days | 4.00% | 4.10% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year to 500 days | 7.25% |
501 days | 7.50% |
502 days to <2 years | 7.25% |
2 years to 799 days | 7.75% |
800 days | 8.00%BEST |
801 days to <3 years | 7.75% |
3 to <5 years | 6.00% |
5 to 10 years | 5.75% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, ESAF Small Finance Bank offers up to 8.00% p.a. on Fixed Deposits and up to 8.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, ESAF 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 ESAF Small Finance Bank starts from 3 Years. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
ESAF Small Finance Bank offers tiered interest rates ranging from 2.50% to 8.00% 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.
ESAF SFB FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,136
MATURITY DATE
19 Sept 2027
Interest rate6.00% p.a.
Principal₹1,00,000
Total interest₹6,136
Indicative only. Actual figures may vary.