Shivalik Small Finance Bank FD Interest Rates

What is the Shivalik Small Finance Bank Fixed Deposit?

What is the Shivalik Small Finance Bank Fixed Deposit? Shivalik Small Finance Bank FD allows you to deposit a lump sum amount for a fixed tenure and earn assured returns. These deposits provide a secure income from FD interest rates and the option of cumulative or non-cumulative interest payments. For deposits of up to 180 days, interest is calculated on a simple basis and paid at maturity.

The bank also offers a senior citizen benefit, providing an additional 0.50% interest rate over standard rates. Furthermore, you can easily access liquidity in emergencies through a loan or overdraft facility, typically allowing you to borrow up to 90–95% of your deposit value without breaking your FD.

Shivalik Small Finance Interest Rates: Key Highlights

Shivalik Small Finance Bank FD Interest Rates: Latest Updates 

Shivalik Small Finance Bank offers highly competitive FD interest rates of up to 7.80% p.a. for tenures ranging from 1 to 5 years. These attractive returns, coupled with the security of a small finance bank, make it an excellent choice for investors looking to outpace inflation while keeping their capital safe.

Shivalik Small Finance Bank FD Interest Rates

Below are the latest fixed deposit interest rates offered by Shivalik Small Finance Bank:

Interest Rates Below Rs 3 Crore (With Premature-Withdrawal Facility)

*Shivalik Small Finance Bank FD Interest Rates w.e.f. February 27th, 2026*

Types of Shivalik Small Finance Bank FD

1. Regular Fixed Deposit 

   The regular fixed deposit of Shivalik Small Finance Bank comes with a guaranteed return investment with competitive benefits, so that in the long run, you can save as well as make your money work.

   Tenure - 7 days to 10 years 

   Deposit Amount - Minimum - Rs 1,000 ; Maximum - 1.5 Lacs

   Premature Withdrawal - Yes, available 

   Payout Option - Monthly/ Quarterly

   Auto-Renewal Option - Available 

2. Tax Saver Fixed Deposit 

   Shivalik Bank Tax Saver Fixed Deposit offers both high interest on your investment and a tax benefit of up to ₹1.5 Lakh per financial year under Section 80C of the Income Tax Act.

   Minimum Deposit Amount - Rs 1,000

   Maximum Deposit Amount - 1.5 Lac

   Tenure - 5-year lock-in period 

   Benefits for Senior Citizens - Higher than those of regular citizens 

3. Non-Callable Fixed Deposit 

   The Non-Callable Fixed Deposit is a secure option to earn better returns on your lump-sum savings than regular FDs, with the rider of no early withdrawals. Since the depositor agrees to a strict lock-in, the bank rewards this commitment with a higher interest rate than it offers on standard FDs.

   Minimum FD amount - Above ₹ 1 Crore

   Tenure - Flexible 

   Premature or Partial Withdrawal - Not Allowed

   Payout Option - monthly/quarterly payout

Key Features of Shivalik Small Finance FD

Below are the key features of Shivalik Small Finance Bank Fixed Deposits you should know:

• Auto-Renewal Option: For regular fixed deposits, if no maturity instruction is provided, the FD is automatically renewed for the same tenure at the prevailing interest rate on the maturity date. However, auto-renewal is not available for non-callable fixed deposits at the time of account opening.
• Premature Withdrawal: The pre-maturity withdrawals are allowed after 7 days. Nevertheless, a maximum 1% penalty can be withheld from the available interest rate, depending on the duration and terms.
• Minimum Deposit: You can deposit as little as 1,000 rupees in the FD, allowing you to open an account with a low investment.
• Loan Against FD: You may avail a Shivalik Small Finance loan against FD up to 90% of the deposited amount, thus getting you out of emergencies without withdrawing the FD.
• Tax Saver FD Option: A special Tax Saver FD is available under Section 80C of the Income Tax Act. Premature closure is not allowed.
• Non-Callable FD Terms: Non-callable fixed deposits cannot be closed before maturity, except in exceptional circumstances such as regulatory orders or claims by the deceased account holder.

How to Open a Shivalik Small Finance Bank Fixed Deposit

Shivalik Small Finance Bank Fixed Deposits (FDs) are a secure investment option for individuals looking to grow their savings with guaranteed returns. You can easily open a Shivalik Small Finance Bank FD either online or offline.

1.  Online FD Account Opening

   If you are an existing Shivalik Small Finance Bank customer, you can open an FD instantly through the bank’s digital banking platforms. 

   • Log in to NetBanking/Mobile App: Log in to your Shivalik Small Finance Bank NetBanking account or mobile banking application. 
   • Navigate to 'Fixed Deposits': Find and select the 'Fixed Deposit' or 'Term Deposit' option.
   • Select FD Type and Amount: Choose the type of FD you want to open and enter the amount.
   • Choose Tenure and Payout: Select your preferred FD tenure and your interest payout option.
   • Confirm Details: Review all the details, including the nominee information and maturity instructions. 
   • Accept T&C: Read and accept the terms and conditions.
   • Submit: Submit your request. The amount will be debited, and you will receive a confirmation.

2. Offline FD Account Opening

   New and existing customers who prefer a traditional approach can open a fixed deposit by visiting a Shivalik Small Finance Bank branch.

   • Visit a Branch: Visit your nearest Shivalik Small Finance Bank branch with the necessary KYC documents.
   • Collect FD Form: Obtain and fill out the Fixed Deposit application form. 
   • Fill up the Form: Provide all the details, like personal information, tenure, and nominee details.
   • Submit Documents and Funds: Submit the completed form along with your KYC documents. 
   • Deposit the Amount: Deposit the FD amount via cash, cheque, or a fund transfer.
   • Receive FD Receipt: The bank will process your request and issue a Fixed Deposit Receipt as proof.

Key Takeaways

Shivalik Small Finance FD rates range from 7.80% for regular accounts to 8.30% for senior citizens, attracting investors seeking fixed income. Tenures available with the bank range from 7 days to 10 years at competitive rates. Section 80C benefits also apply to the 5-year Tax Saving FD. During any emergency, investors can borrow up to 90% of the amount of an FD. The FDs are also convenient and flexible, as one can open them online or offline with minimal documentation. An FD interest rate is a fixed percentage of return guaranteed by a financial institution on your lump sum deposit over a chosen tenure, ensuring predictable growth with minimal risk.