Capital Small Finance Bank FD Rates

Top Guaranteed Return Plans

Fixed return plans are guaranteed returns as well as life insurance. They are suitable for risk-averse investors and guarantee stable growth that is not dependent on market instability.

What is Capital Small Finance Bank FD? 

A Capital Small Finance Bank Fixed Deposit is a secure savings option that allows you to earn competitive FD interest on a lump-sum investment. The bank offers a wide range of tenures, from 7 days to 10 years, along with special interest rates for senior citizens. As a scheduled bank, all deposits are insured by the DICGC for up to ₹5 lakh, providing an added layer of security for your savings.

Information About FDs & Other Options

When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.

Capital Small Finance Bank FD: Key Highlights

Capital Small Finance FD Interest Rates: Latest Updates 

The Reserve Bank of India (RBI) monetary policy committee (MPC) has met, and Capital Small Finance Bank has revised its fixed deposit (FD) interest rates. These revisions were effective on July 30, 2025, and had new rates on callable and non-callable domestic term deposits.

Capital Small Finance Bank Fixed Deposit Rates 2025

The Capital Small Finance Bank FD rates are as follows:

*Capital Bank FD Interest Rates w.e.f 30th July 2025

Types of Capital Small Finance Bank

1. Cumulative Deposit 

   This scheme is a term deposit that offers depositors a quarterly compounding interest, allowing the interest to grow on both the principal and the accumulated interest.

   • Tenure - 1 year to 10 years
   • Senior Citizens Benefits - Additional 0.5% interest
   • Loan Facility - Up to 92.5% of the deposit value
   • Nomination Facility - Available 

2. Short-term Deposit 

   A short-term deposit is designed for individuals who wish to invest their money for a brief period. It provides a simple interest payout and high liquidity.

   • Tenure - 15 days to 364 days
   • Senior Citizens Benefits - Additional 0.5% interest
   • Loan Facility - Up to 92.5% of the deposit value
   • Nomination Facility - Available for this deposit

3. Quarterly Interest Deposit Scheme (QIDS) 

   QIDS is a deposit scheme that provides a regular interest payout to depositors every quarter. This is a suitable option for those who want a steady, predictable income stream from their investment.

   • Tenure - 1 year to 10 years
   • Premature withdrawal - Available 
   • Senior Citizens Benefits - Additional 0.5% interest
   • Loan Facility - Up to 92.5% of the deposit value
   • Nomination Facility - Available for this deposit

4. Monthly Interest Deposit Scheme (MIDS) 

   MIDS is a scheme designed for depositors who require regular monthly payouts from their investment. This provides a consistent monthly income stream from your deposit.

   • Tenure - 1 year to 10 years
   • Withdrawal Facility - As much as 92.5% of the deposit amount
   • Senior Citizens Benefits - Additional 0.5% interest
   • Loan Facility - Up to 92.5% of the deposit value
   • Nomination Facility - A nomination facility is available

5. Tax Saver FD 

   This fixed deposit scheme helps you save on your income tax while securing your investment. The principal amount invested is eligible for a tax deduction under Section 80C of the Income Tax Act.

   • Minimum investment Amount - ₹100 
   • Maximum investment Amount-  ₹1.5 lakhs 
   • Tenure - 5 years lock-in 
   • Premature withdrawal - Not allowed
   • Senior Citizens Benefits - Additional 0.5% interest
   • Loan Facility - Available 
   • Nomination facility- Available

Eligibility for Capital Small Finance Bank Fixed Deposit

The people of India above 18 years are eligible for this FD. Some other eligible people are mentioned below - 

• Indian Resident 
• Group of individuals
• Firm
• Corporate or club

Features of Capital Small Finance Bank Fixed Deposit 

Some of the main features of the fixed deposit scheme by the Capital Small Finance Bank are:

• Liquidity and Returns: The fixed deposit offers a combination of good liquidity and returns, providing a safe way to grow your money while still allowing for access to funds when needed.
• Loan and Overdraft Facilities: A loan or overdraft facility is available, allowing you to borrow up to 92.5% of the deposit amount. This provides you with emergency funds without having to break your fixed deposit.
• Margin Money: The deposit can be used as margin money against various financial commitments, offering you a versatile financial tool.
• Additional Interest for Senior Citizens: Senior citizens are eligible for an additional interest rate of 0.5% on their deposits.

• Nomination Facility: All accounts come with a nomination facility, which simplifies the process of claiming the deposit for the nominee in the event of the account holder's death.
• TDS and Tax Exemption: The bank may not deduct tax (TDS) on the interest earned if you submit the relevant forms, 15H or 15G. These forms are self-declarations for individuals whose total income is below the taxable limit.

How to Open a Capital Small Finance FD?

The Capital Small Finance Bank FD can be opened through both online and offline modes. 

1. Online FD Account 

   If you are an existing customer with a savings account at Capital Small Finance Bank, you can open an FD instantly using the bank’s digital channels.

   Step 1: Log in to Mobile App/NetBanking: Log in to the Capital Mobile+ App or the bank's Internet Banking portal. 

   Step 2: Go to ‘Fixed Deposit’: Navigate to the "Term Deposits" section from the menu and select "Open Fixed Deposit."

   Step 3: Select FD Amount: Choose your account and enter the amount you wish to invest. 

   Step 4: Select FD Type: Choose from various FD types.

   Step 5: Maturity Instructions: Select your maturity instructions, such as auto-renewal or credit. 

   Step 6: Review & Confirm: Review all the details, accept the terms and conditions, and submit. 

   Step 7: FD Receipt: A digital FD receipt will be generated instantly. 

2.  Offline FD Account Opening

   For those who prefer a traditional, in-person process, you can visit any of the bank’s branches to open an FD.

   Step 1: Visit the Branch: Visit a nearby Capital Small Finance Bank branch.

   Step 2: Fill the FD Form: A bank representative will provide you with a Fixed Deposit application form.

   Step 3: Submit Documents: Submit the completed form along with your KYC proofs.

   Step 4: Fund Transfer/Deposit: Deposit the FD amount through cheque, cash, or by debiting your existing account.

   Step 5: Tenure & Interest Options: Choose your desired tenure and interest payout options. 

   Step 6: Get the FD Receipt: The bank will issue you a physical Term Deposit Receipt as confirmation. 

Conclusion

Capital Small Finance Bank fixed deposits are a safe and secure way to earn interest income from your investments. Suitable for risk-averse investors, these products give you options to choose from a variety of deposit tenures and rate slabs. If you are a senior-citizen investor, the bank offers 0.50% higher than regular rates. Guaranteed returns and easy liquidity make these FDs a perfect choice for conservative investors.