Equitas Small Finance Bank FD Interest Rates

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Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.

What is Equitas Small Finance Bank FD?

Equitas Small Finance Bank offers a variety of Fixed Deposit (FD) products designed to provide secure and attractive returns on your savings. As a small finance bank, it is known for providing competitive interest rates, often higher than those of larger commercial banks, particularly for specific tenures.

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.

Equitas Bank FD: Key Highlights 

Equitas Bank FD Rates: Latest Updates 2025

The highest interest rate is 7.65% as offered by Equitas Bank. 1-year and 3-year FDs have an interest rate of 7.25 and 5-year FDs have an interest rate of 7.00. The elderly receive an extra interest of 0.50 to 0.60% on the regular interest rates. 

Equitas Small Finance Bank Fixed Deposit Rates 2025

Here are the Domestic FD Rates for Equitas Small Finance Bank for 2025 -

Equitas Fixed Deposit Interest Rates for Domestic, NRE / NRO (for INR) Below 3 crore 

*Equitas Bank FD interest rates w.e.f. November 03, 2025.

Types of Equitas Small Finance Bank Fixed Deposit

1. Equitas Regular FD Scheme 

   Equitas Small Finance Bank offers a Fixed Deposit (FD) scheme that provides a one-time investment opportunity with a focus on a special 888-day tenure.

   • Tenure - 888 days 
   • Attractive Interest Rates: 888-day FD: 7.60% p.a. (8.20% for select investors)
   • Easy Access to Funds: Can withdraw partially or fully
   • Premature Withdrawal: No Premature Facility 
   • Nomination Facility: Available 

2. Equitas Selfe FD 

   It is a unique digital Fixed Deposit (FD) scheme offered by Equitas Small Finance Bank that is designed for quick and easy online opening. Its main purpose is to allow individuals to open a fixed deposit instantly without needing to have a pre-existing savings account with the bank.

   • Instant Account Opening: You can open a Selfe FD online in just a few minutes 
   • No Existing Account Required: You won't need to have a savings account 
   • Minimum Deposit Amount - Rs 5,000
   • Maximum Deposit Amount - Rs ₹90,000
   • Tenure: 7 days up to 365 days

Features of Equitas Small Finance Bank Fixed Deposit

Some of the major features of Equitas fixed deposits are:

• Flexible Interest Rates - The bank offers a reasonably good way to utilize the idle funds of customers as FDs. Equitas Small Finance Bank FD rates are reasonable and sound.
• Flexible Tenure - One can choose tenure between 7 days and 10 years as per their investment requirement.
• Partial or Full Premature Withdrawal - The bank allows partial and full premature withdrawal of FDs. This feature, however, does not apply to FDs with monthly payout schemes.
• Nomination Facility - You can add the details of your family member as the nominee. 
• Auto-Renewal - The Bank provides an auto-renewal facility, where you don't have to keep track of renewal; it automatically gets renewed.
• Interest Payout Options - The fixed deposit accounts provide quarterly and monthly payouts with reinvestment available.

How to Open an Equitas Bank Fixed Deposit

Equitas Bank Fixed Deposit is a reliable investment option for those seeking secure and stable returns. By making a one-time deposit of a chosen amount for a fixed period, you can watch your savings grow with competitive interest rates.

Online FD 

If you're an existing customer, opening an FD online is a seamless process through Equitas Bank's digital banking platforms - 

• NetBanking or Mobile App: Log in to your account using the Equitas Mobile Banking App or the Internet Banking portal.
• Go to 'Fixed Deposit': Go to the 'Fixed Deposit' and select 'Open FD'. 
• Enter FD Details: Choose your savings account for debit, enter the FD amount, and select your tenure.
• Select Payout Type: Choose between Cumulative or Non-cumulative options.
• Maturity Instructions: Specify what should happen at maturity, such as auto-renewal or a payout
• Review & Confirm: Review all the details, accept the terms and conditions, and submit.
• Get FD Receipt: A digital FD receipt or confirmation will be generated instantly.

 Offline FD Account Opening

If you prefer a traditional approach, you can visit your nearest Equitas Small Finance Bank branch to open an FD in person.

• Visit the Branch: Go to an Equitas Bank branch with your necessary documents. 
• Fill the FD Form: Obtain and fill out the Fixed Deposit application form 
• Submit Documents: If you are a new customer, you'll need to submit your KYC documents
• Deposit Funds: Hand over the FD amount to the bank official
• Tenure & Payout: Choose the deposit tenure and your preferred interest payout frequency.
• Get the FD Receipt: The bank will provide you with a physical FD Receipt as proof of investment.

Eligibility 

Here is the eligibility criterion for the people who are eligible for the Equitas Bank FD. Make sure to go through. 

• All resident individuals
• Partnership firms
• Hindu undivided families (HUFs)
• Sole proprietors
• Trust accounts
• Limited companies

Wrapping It Up

Equitas Bank Small Finance Bank offers fixed deposit accounts at reasonable interest rates. All customers can easily open an FD account online from any savings account and expect to get fair returns. 

However, it is always advisable for customers to analyze and reconfirm the FD rates from the Bank directly before deciding to open an FD account and invest money in fixed deposits.