Capital Small Finance Bank RD Interest Rates

What is Capital Small Finance Bank Recurring Deposit?

Capital Small Finance Bank Recurring Deposit works through a fixed monthly instalment that you can choose according to your savings needs. The bank does not disclose any specific minimum or maximum instalment limits.

Every monthly deposit will receive interest starting on the date of payment up to the time of maturity, and thus, earlier deposits receive more interest as compared to the subsequent deposits. If all instalments are paid regularly, interest is calculated on the total balance and compounded quarterly. In case of any confusion, you can use the RD calculator to estimate accurate returns.

Capital Small Finance Bank RD Interest Rates

The following table provides the updated Capital SFB RD rates applicable across various tenures.

*Capital Small Finance Bank RD Interest Rates w.e.f. December 30, 2025

Key Features of Capital Small Finance Bank RD

A Capital SFB recurring deposit has several features that will help in saving regularly every month. Key features include:

• Standing Instruction Facility: Capital SFB offers a standing instruction facility for RD. This allows you to pay the monthly payment automatically out of the linked account, which helps to pay on time.
• Loan Against RD: The Capital Small Finance Bank loan against RD gives account holders the option of borrowing against the deposited amount and interest accrued.
• Additional Interest for Senior Citizens: Senior citizens get an additional 0.50% interest rate compared to general citizens.
• Premature Withdrawal Facility: Capital Small Finance Bank RD premature withdrawal facility will enable customers to access their recurring deposit before it reaches maturity. In such instances, a penalty is taken according to the bank’s rule.
• Nomination Facility: Account holders can appoint a nominee who can claim the interest and earnings of the deposit.

How to Open a Capital Small Finance Bank RD

A Capital SFB RD can be opened online or at any Capital SFB bank branch. The process is simple and needs only basic account details.

Online Method

You can access an RD at any convenient time through emailing and calling the bank or through internet banking, following these steps:

• Log In: Log in to the official Capital SFB website, and go to the RD section, then choose to apply.
• Select RD Option: Choose recurring deposits, give all the requested information, and submit
• Contact: A bank representative will connect with you shortly after.
• Submit Documents: Provide required KYC documents.
• Enter Details: Fill in the instalment amount and tenure.
• Link Account: Choose your Capital Small Finance Bank savings account or current account for instalments.
• Review & Submit: Verify details and confirm the request.
• Confirmation: Receive RD account creation confirmation.

Offline Method

You can easily open an RD account offline by following these steps:

• Branch Visits: Visit the closest branch of Capital SFB.
• Fill Form: Fill in the RD application form.
• Submit Documents: Provide required KYC documents.
• Choose Details: Select the instalment amount and tenure.
• Deposit Initial Instalment: Pay the first monthly instalment.
• Set Instructions: Provide payment or standing instructions.
• Account Activation: The bank opens the RD account and issues confirmation details.

Eligibility Criteria for Capital Small Finance Bank RD

Many types of customers open an RD account with Capital Small Finance Bank. These are the criteria given by the bank to open an RD account:

• Account Holders: Any individual who is 18 years and older can open an RD account in their own name. Clubs, societies, corporates, professional partnership firms, and other RBI-approved entities may open an RD account with Capital Small Finance Bank.
• Age Limit: Anyone 18 or above can open a Capital Small Finance Bank RD account.
• Documentation Requirement: To open an RD account, KYC documents such as identity proof, address proof, and photographs, among others, are required by the bank.
• Bank Account Requirement: A savings or current account with Capital Small Finance Bank is needed to make monthly instalments.

Key Takeaways

The Capital Small Finance Bank offer recurring deposits scheme of many types that are suitable for small savings and bigger ones. Capital Small Finance Bank RD interest rates vary from 6.80% to 6.90% p.a for the general public, and 7.30% to 7.40% p.a for senior citizens, depending on the chosen period. The rates you get depend on the period of saving, which spans from 12 months to 10 years. If guaranteed returns is what you’re looking for, you can also check Capital Small Finance Bank FD rates where you can invest in a lump sum.