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Capital Small Finance Bank FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 7.60% (for 400 days) |
| For 1 year | 7.55% |
| For 2 years | 7.15% |
| For 3 years | 7.15% |
| For 4 years | 7.15% |
| For 5 years | 7.10% |
| Tax-Saving FD | 7.10% |
The interest rates are updated as of 21 January 2025
Capital Small Finance Bank FD Rates
Fixed Deposit Interest Rates on Domestic deposits w.e.f. 3 December 2024
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 15 days to 30 days | 3.50 | 4.00 |
| 31 days to 45 days | 3.50 | 4.00 |
| 46 days to 89 days | 4.00 | 4.50 |
| 90 days to 179 days | 4.75 | 5.25 |
| 180 days to less than 1 year | 5.50 | 6.00 |
| 1 year to less than 5 years | 7.15 | 7.65 |
| 5 years to 10 years | 7.10 | 7.60 |
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Special Interest Rates |
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| 12 months | 7.55 | 8.05 |
| 400 days | 7.60 | 8.10 |
| 600 days | 7.40 | 7.90 |
| 900 days | 7.30 | 7.80 |
Capital Small Finance Bank Tax Saver Deposit
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years | 7.10 | 7.60 |
FD Interest Rates on NRO deposits w.e.f. 3 December 2024
| Tenure | Interest Rates (% p.a.) |
| 15 days to 30 days | 3.50 |
| 31 days to 45 days | 3.50 |
| 46 days to 89 days | 4.00 |
| 90 days to 179 days | 4.75 |
| 180 days to less than 1 year | 5.50 |
| 1 year to less than 5 years | 7.15 |
| 5 years to 10 years | 7.10 |
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Special Interest Rates |
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| 12 months | 7.50 |
| 400 days | 7.60 |
| 600 days | 7.40 |
| 900 days | 7.30 |
Fixed Deposit Rates on NRE deposits w.e.f. 3 December 2024
| Tenure | Interest Rates (% p.a.) |
| 1 year to less than 5 years | 7.15 |
| 5 years to 10 years | 7.10 |
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Special Interest Rates |
|
| 12 months | 7.50 |
| 400 days | 7.60 |
| 600 days | 7.40 |
| 900 days | 7.30 |
Types of Capital Small Finance FD Schemes
Cumulative Deposits
- Depositors can earn interest on a quarterly compounding basis
- Tenure: 1 year to 10 years
- Nomination facility is available
- Depositors can avail loan/overdraft facility for up to 92.5% of the deposit including accrued interest thereon
- Additional 0.50% interest rates are offered to senior citizen FD depositors
Short Term Deposit
- Interest calculation: Simple interest
- Tenure: 15 days to 364 days
- Loan or Overdraft facility is available for up to 92.5% of the deposit amount
- Nomination facility is available
- Senior citizens are offered an additional 0.50% interest rate over the regular fixed deposit interest rate
- The amount in this scheme can be used as margin money for non-fund-based facilities
QIDS (Quarterly Interest Deposit Scheme)
- This scheme offers a quarterly interest pay-out option to depositors
- Tenure: 1 year to 10 years
- Nomination facility is available
- Depositors can avail loan or overdraft facility for up to 92.5% of the deposit
- Additional 0.50% interest rates are offered to senior citizen FD depositors
- Premature withdrawal facility is available before maturity
MIDS (Monthly Interest Deposit Scheme)
- This scheme offers a monthly interest pay-out option to depositors
- Tenure: 1 year to 10 years
- Loan / Advance facility is available for up to 92.5% of the deposit amount
- Senior citizens are offered an additional 0.50% interest rate over the regular fixed deposit interest rate
Tax Saver FD
- Minimum deposit amount: Rs 100 and thereafter in multiples of Rs 100
- Tenure: 5 years (lock-in period)
- Deposits under this scheme are eligible for a tax deduction of up to Rs 1.5 lakh under Section 80C in each financial year
- Tax saving FD can be booked with maturity pay-out and quarterly pay-out
- Nomination facility is available
- This scheme offers an additional 0.50% interest rate to senior citizen FD depositors
- The nominee is entitled to pre-mature encashment of the deposit, in case of death of the primary holder of an FD