Capital Small Finance Bank FD Rates

Capital Bank has been operational since 2000 and was the first small finance bank in India. The bank majorly serves locations in North India with operations in Delhi, Punjab, Haryana, Rajasthan, and Chandigarh. It has 159 branches in India. The bank also provides banking facilities all seven days of the week at its branches.

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For these reasons, Capital bank has become one of the best banks in the country. The bank offers many services, including saving instruments like fixed deposits. The Capital Small Finance Bank FD Rates are some of the very best.

Features of Capital Small Finance Bank Fixed Deposit 

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

  • Offers good liquidity and returns
  • All accounts come with nomination facilities.
  • Loan and overdraft facilities are available. They can go up to just 7.5% less than the entire deposit amount.
  • Depending on the submission of the forms, one may not have to pay taxes. The relevant forms are 15H and 15G.
  • Additional interest for senior citizens
  • Can be used as margin money
  • Individuals, group, firm, corporate entity, or a club can avail of this facility.

Capital Small Finance Bank Fixed Deposit Rates 2021

The Capital Small Finance Bank FD Rates are as follows:

Capital Small Finance Bank FD Rates for Domestic Term Deposits (w.e.f: 3rd June 2021)

Tenure

Interest Rate (%) for Regular Citizens

Interest Rate (%) for Senior Citizens

15 – 30 days

3.35

3.85

31 – 45 days

3.35

3.85

46 – 89 days

3.85

4.35

90 – 179 days

4.60

5.10

180 days – 1 Year

5.10

5.60

1 Year - <5 Years

6.00

6.50

5 Years - <10 Years

6.00

6.50

400 Days Special Category

6.10

6.60

900 Days Special Category

6.25

6.75

Capital Small Finance Bank FD Rates for NRO/NRE Term Deposits (w.e.f: 3rd June 2021)

Tenure

Interest Rate (%) for NRO

Interest Rate (%) NRE

15 – 30 days

3.35

-

31 – 45 days

3.35

-

46 – 89 days

3.85

-

90 – 179 days

4.60

-

180 days – 1 Year

5.10

-

1 Year - <5 Years

6.00

6.00

5 Years - <10 Years

6.00

6.00

400 Days Special Category

6.10

6.10

900 Days Special Category

6.25

6.25

*Fixed Deposit Interest rates are subject to change.

Capital Small Finance Bank Fixed Deposit Rates - Things to Know

Some crucial things that every customer must know are:

  • This is available for Domestic, NRO and NRE citizens.
  • There are two special categories:
    • 400 days
    • 900 days
  • The senior citizen rate is 0.50% higher than the regular rate.
  • There are two types of interest calculations
    • Simple Interest for Short Term Deposits
    • Compounded Interest for Cumulative Deposits
  • For a tax saver scheme, the following features apply:
    • Minimum value Rs. 100 and increments of the same amount
    • Maximum value is Rs 150000
    • Nomination is possible
    • Fixed term of this is for 5 years
    • It has two types of payouts:
      • Quarterly
      • At maturity

Summing it Up

Capital Small Finance Bank fixed deposits are available for both residents in India and abroad. The bank also offers 0.50% higher than regular rates for senior citizens. 

Finally, tax-saving possibilities are there for a fixed deposit with a lock-in period of five years. Taken altogether, Capital Small Finance Bank Fixed Deposits are the right way to go in many cases.

Written By: PolicyBazaar - Updated: 26 August 2021
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