ESAF Small Finance – FD Rates
This bank last updated its deposit rates on 18-Jun-26.
Compare with other banks
About ESAF Small Finance
Bank Overview
Financial Health Indicators(FY 2026)
Frequently Asked Questions
Quick answers to the most common questions about ESAF Small Finance Fixed Deposits.
As of July 2026, ESAF Small Finance offers a highest interest rate of 7.75% p.a. for general citizens and 8.25% p.a. for senior citizens on fixed deposits.
Yes, ESAF 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 ESAF Small Finance starts from 7 Days. Longer tenures may offer higher interest rates.
Yes, ESAF 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, ESAF 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.
FD Calculator
on 06-Jul-2028