Equitas Small Finance Bank FD Interest Rates
The Equitas Small Finance Bank FD interest rate starts from 3.50% to 7.40% p.a. for Indian Residents, NRE, and NRO. The senior citizens' interest rates start from 4.00% to 7.90% p.a. for 888 days.
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FD Interest Rates
- Equitas Small Finance Bank FD Rates
Key Features of IDFC Bank Fixed Deposit
| Tenure | 7 days to 10 years |
| Minimum Investment Amount | Rs 5,000 |
| Interest Payout Options | monthly or quarterly |
| Premature Withdrawal | After 6 months, without penalty |
| Nomination Facility | Yes, available |
| Senior Citizens Benefits | An additional 0.5% compared to the general citizens |
| TDS | TDS will be deducted as per the slab rates |
| Automatic Renewal Facility | Yes, available |
Compare FD Interest Rates of Top Financial Institutions
The table below contains the fixed deposit interest rates for amounts below 3 crores, provided by the top banks in India.
| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| Axis Bank FD Rates | 3.00% - 6.60% | 3.50% - 7.35% |
| Bandhan Bank FD Rates | 2.95% - 7.30% | 3.70% - 7.80% |
| Bank of Baroda FD Rates | 3.50% -6.60% | 4.00% -7.10% |
| Bank of India FD Rates | 3.00% -6.45% | 3.00% -7.10% |
| Canara Bank FD Rates | 3.25% -6.50% | 3.25% -7.00% |
| Central Bank of India FD Rates | 3.50% -6.70% | 4.00% -7.20% |
| DBS Bank FD Rates | 2.75% -7.15% | 2.75% -7.65% |
| HDFC Bank FD Rates | 2.75% - 6.45% | 3.25% - 6.95% |
| IDFC Bank FD Rates | 3.00% -6.75% | 3.50% -7.25% |
| Indian Bank FD Rates | 2.80% -6.70% | 3.30% -7.20% |
| Indian Overseas Bank FD Rates | 3.50% -6.75% | 4.00% -6.70% |
| IndusInd Bank FD Rates | 3.25% -7.00% | 3.75% -7.50% |
| Punjab National Bank FD Rates | 3.25% - 6.60% | 3.75% - 7.10% |
| SBI FD Rates | 3.05% - 6.45% | 3.55% - 7.05% |
| Yes Bank FD Rates | 3.25% - 7.00% | 3.75% - 7.75% |
*The Interest rates for various banks are as of August 2025
Equitas Small Finance Bank Fixed Deposit Rates 2025
Here are the FD interest Rates for Equitas Small Finance Bank for 2025:
Equitas Small Finance Bank FD Rates for Domestic/NRE/NRO for amounts less than Rs 3 Crores
| Tenure | General Citizens' Interest Rate | Senior Citizens' Interest Rate |
| 7 - 14 days | 3.50% | 4.00% |
| 15 - 29 days | 3.50% | 4.00% |
| 30 - 45 days | 4.00% | 4.50% |
| 46 - 62 days | 4.50% | 5.00% |
| 63 - 90 days | 4.75% | 5.25% |
| 91 - 120 days | 5.25% | 5.75% |
| 121 - 180 days | 5.25% | 5.75% |
| 181 - 210 days | 6.35% | 6.85% |
| 211 - 270 days | 6.35% | 6.85% |
| 271 - 364 days | 6.35% | 6.85% |
| 1 year to 443 days | 7.00% | 7.50% |
| 444 Days | 7.10% | 7.60% |
| 445 Days to 18 Months | 7.00% | 7.50% |
| 18 Months 1 day to 2 years | 7.00% | 7.50% |
| 2 years 1 day to 776 days | 7.00% | 7.50% |
| 777 days | 7.10% | 7.60% |
| 778 days to 887 days | 7.00% | 7.50% |
| 888 days | 7.40% | 7.90% |
| 889 days to 3 years | 7.00% | 7.50% |
| 3 years 1 day to 4 years | 7.00% | 7.50% |
| 4 years 1 day to 5 years | 7.00% | 7.50% |
| 5 years 1 day to 10 years | 7.00% | 7.50% |
*Equitas Small Finance Bank FD interest rates w.e.f. 25th August 2025
Equitas Small Finance Bank FD Interest Rates Callable (Above 3 crore to less than 5 crore)
| Tenure | GeneraCitizens'ns Interest Rate | Senior Citizens' Interest Rate |
| 7 to 14 days | 4.80% | 5.30% |
| 15 to 29 days | 4.80% | 5.30% |
| 30 to 45 days | 4.80% | 5.30% |
| 46 to 62 days | 5.05% | 5.55% |
| 63 to 90 days | 5.30% | 5.80% |
| 91 to 150 days | 5.80% | 6.30% |
| 151 days to less than 6 months | 5.80% | 6.30% |
| 6 Months to less than 7 months | 6.00% | 6.50% |
| 7 Months to less than 9 months | 6.00% | 6.50% |
| 9 Months to less than 12 Months | 6.50% | 7.00% |
| 12 Months to less than 15 Months | 6.50% | 7.00% |
| 15 Months to less than 18 Months | 6.50% | 7.00% |
| 18 Months to less than 24 Months | 6.25% | 6.75% |
| 24 Months to less than 36 Months | 6.25% | 6.75% |
| 36 Months and above | 6.00% | 6.50% |
*Equitas Small Finance Bank FD interest rates w.e.f. 25th August 2025
#0.50% extra rates for Senior citizens. This does not apply to NRE/NRO accounts
## Rates are valid only for the date 26th August 2025
Features of Equitas Small Finance Bank Fixed Deposit
Some of the major features of Equitas fixed deposits are:
- Tenure: You can choose the flexible tenure between 7 days to 10 years as per their investment requirement.
- No Penalty on Premature Withdrawal: After 6 months, you can prematurely withdraw your amount without any penalty imposed.
- Partial and Full Withdrawal: The bank allows partial and full premature withdrawal of FDs.
- Nomination Facility: Under this FD scheme, you can nominate your family member by adding and giving the details at the time of FD.
- Loan Against FD: You can easily avail a loan against your FD under Equitas Small Finance Bank FD.
- Automatic Renewal: The Equitas Small Finance Bank has the auto-renewal facility, as stated otherwise.
About Equitas Small Finance Bank Fixed Deposit Interest Rate Calculator
Equitas Small Finance Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in the quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that you need to follow to calculate Fixed Deposit rates on the FD Calculator:
- The amount that is invested
- The Rate of Interest offered
- The tenure of the Fixed Deposit Account
- The compounding period, that is, yearly, half-yearly, quarterly, or monthly
- The FD Amount
Once the following details are entered, you will come to know:
- The maturity value of the FD
- The total interest earned during the complete tenure
Things to Know
- TDS is deducted on interest from bank deposits when the total interest exceeds ₹50,000 for residents under 60 years and ₹1,00,000 for senior citizens in a financial year. The deduction occurs at the end of the financial year.
- No interest is paid on NRE fixed deposits if they are closed before the one-year minimum period.
Wrapping It Up
Equitas Bank Small Finance Bank offers fixed deposits with the maximum interest rates up to 7.40% p.a. for the general citizens and 7.90% for the senior citizens for 888 days with a flexible tenure of between 7 days to 10 years. You can easily avail the loan against FD with no penalty on premature facility after 6 months with the partial and full withdrawal facility.
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FAQs
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What are the latest interest rates for Equitas Small Finance Bank FD?
The Equitas Small Finance Bank FD interest rate starts from 3.50% to 7.40% per annum for the general citizens, and from 4.00% to 7.90% per annum for senior citizens for 888 days. -
What is the minimum amount needed to invest in Equitas Small Finance Bank FD?
A Minimum of Rs 5,000 is needed for investing in Equitas Small Finance Bank FD. -
Is Equitas Bank FD safe?
Investments in Equitas Small Finance Bank FDs are considered safe, as the bank is RBI-registered and deposits are insured up to ₹5 lakh by DICGC. -
What are the highest FD rates of Equitas Small Finance Bank?
The highest FD rates for general citizens are up to 7.40% per annum, and for senior citizens, it’s up to 7.90% per annum for 888 days.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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