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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
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD | |
|---|---|---|
| Deposit Amount | Under $500K | $500K+ |
| 12 months | 4.60% | 4.70% |
| 12 months 1 day | 4.70%BEST | 4.80%BEST |
| 12 to <24 months | 4.60% | 4.70% |
| 24 to <36 months | 4.10% | 4.20% |
| 36 to <48 months | 3.60% | 3.70% |
| 48 to 60 months | 3.60% | 3.70% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
Less than 12 months | 6.00% |
12 months to 16 months 12 days | 7.25% |
16 months 13 days | 7.50% |
16 months 14 days to <24 months | 7.25% |
24 months to 26 months 7 days | 7.75% |
26 months 8 days | 8.00%BEST |
26 months 9 days to <36 months | 7.75% |
36 to <60 months | 6.00% |
60 to 120 months | 5.75% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Premature FD Withdrawal Penalty
| Tenure of Deposit | Less than ₹3 Crore |
|---|---|
| 7 Days and Above | 1.00% |
Frequently Asked Questions
As of November 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 7 Days. 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
03 Nov 2027
Interest rate6.00% p.a.
Principal₹1,00,000
Total interest₹6,136
Indicative only. Actual figures may vary.