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Capital Small Finance – FD Rates

This bank last updated its deposit rates on 29-Apr-26.

DICGC Insurance: ₹5L
FD Rank: #27 of 59 banks
KEY TENURESGeneralSenior
6 Months
5.50%
6.00%
9 Months
5.50%
6.00%
1 Year
7.10%
7.60%
600 Days~1.6 years
7.15%Best
7.65%Best
2 Years
6.90%
7.40%
3 Years
6.90%
7.40%
5 Years
6.90%
7.40%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
C

Capital

7.15%600 days
Check all SFBs
P

Punjab & Sind

6.85%666 days
Check all public banks
D

DCB

7.50%24 - 25 months
Check all private banks
Top NBFC Rate
M

Muthoot Cap

8.95%36 months
Check all NBFCs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
P

Post Office

7.50%5 years
Check Post Office

About Capital Small Finance

Bank Overview

Type
Small Finance
Headquarters
Jalandhar
Founded
2016
Branches
211
DICGC Coverage
₹5 Lakhs

Financial Health Indicators(FY 2026)

NNPA
1.24%
CAR
22.31%
PCR
51.9%
LCR
178.6%
CASA
34.7%

Frequently Asked Questions

Quick answers to the most common questions about Capital Small Finance Fixed Deposits.

As of July 2026, Capital Small Finance offers a highest interest rate of 7.15% p.a. for general citizens and 7.65% p.a. for senior citizens on fixed deposits.

Yes, Capital Small Finance is a registered bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by DICGC, which covers both principal and accrued interest.

The minimum tenure for a fixed deposit with Capital Small Finance starts from 15 Days. Longer tenures may offer higher interest rates.

Yes, Capital Small Finance offers an additional benefit of up to 0.50% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, Capital Small Finance currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.