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Capital Small Finance Bank Fixed Deposit (FD) Interest Rates 2026

Capital Small Finance Bank Fixed Deposit (FD) Interest Rates 2026

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6.9%

Interest for 3 years

Capital Small Finance Bank FD Interest Rates 2026

TenureNormal Citizen FD RateSenior Citizen FD Rate
15 days - 1 month 14 days3.5%4%
1 month 15 days - 2 months 28 days4%4.5%
2 months 29 days - 5 months 26 days4.75%5.25%
5 months 27 days - 11 months 29 days5.5%6%
1 year - 1 year7%7.5%
1 year 1 day - 1 year 1 month 3 days6.9%7.4%
1 year 1 month 4 days - 1 year 1 month 4 days7%7.5%
1 year 1 month 5 days - 1 year 7 months 20 days6.9%7.4%
1 year 7 months 21 days - 1 year 7 months 21 days7.15%7.65%
1 year 7 months 22 days - 2 years 5 months 15 days6.9%7.4%
2 years 5 months 16 days - 2 years 5 months 16 days7.05%7.55%
2 years 5 months 17 days - 4 years 11 months 28 days6.9%7.4%
4 years 11 months 29 days - 9 years 11 months 27 days6.8%7.3%

Note: All interest rates shown above are as on 5th Feb 2026

About Capital Small Finance Bank FD

Capital Small Finance Bank Limited started operations as India's first small finance bank on 24 April 2016, after a conversion from a capital local area bank. The bank received an in-principal approval from the RBI to set-up a small finance bank in September 2015 and it received the regular license on 4 March 2016. The bank got listed in the Schedule II of the Reserve Bank of India Act on 8 November 2016 and has also received the Authorized Dealer II license. Prior to the conversion to a small finance bank, the “capital local area bank” was operating as India's largest local area bank since 14 January 2000. The bank transitioned from a local area bank to small finance bank with 47 branches.

Capital Small Finance Bank FD

3.5% - 7.15%

FD Rate

4% - 7.65%

FD Rate for Seniors

₹ 100

Minimum Deposit

-

Maximum Deposit

-

Lock-in

-

FD Tenure

-

Loan against FD

NA

CRISIL Rating

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Capital Small Finance Bank FD Returns Based on Investment Amount

Investment AmountFor 3 years with interest of 6.9%For 5 years with interest of 6.8%
₹ 50,000₹ 61,463₹ 70,180
₹ 1 lakh₹ 1,22,925₹ 1,40,360
₹ 2 lakh₹ 2,45,851₹ 2,80,720
₹ 5 lakh₹ 6,14,627₹ 7,01,800
₹ 10 lakh₹ 12,29,254₹ 14,03,600

Compare Capital Small Finance Bank Fixed Deposit Returns with Top Banks

Use FD calculator to change values and compare your returns from top banks.

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Capital Small Finance Bank FD
Capital Small Finance Bank FD
Maturity Amount₹ 1,07,229₹ 1,06,432
Total Investment Amount₹ 1,00,000₹ 1,00,000
Total Interest Gained₹7,229₹ 6,432

Compare Capital Small Finance Bank Fixed Deposit Rates with Top Banks

Bank NameFD Interest Rates
ellaquai-dehati-bank.png
Ellaquai Dehati Bank FD		6.25% - 6.75%
utkarsh-small-finance-bank.png
Utkarsh Small Finance Bank FD		7.5% - 8%
rbl-bank.png
RBL Bank FD		7.2% - 7.7%
sarva-haryana-gramin-bank.png
Sarva Haryana Gramin Bank FD		6.25% - 6.75%
kotak-bank.png
Kotak Mahindra Bank FD		6.4% - 6.9%
bihar-gramin-bank.png
Bihar Gramin Bank FD		6.5% - 6.5%
au-small-bank.png
AU Small Finance Bank FD		7.1% - 7.6%
dakshin-bihar-gramin-bank.png
Dakshin Bihar Gramin Bank FD		7% - 7%
jammu-and-kashmir-grameen-bank.png
Jammu And Kashmir Grameen Bank FD		6.75% - 7.25%
punjab-sind-bank.png
Punjab and Sind Bank FD		5.85% - 6.35%

Calculate Capital Small Finance Bank FD Returns

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₹1,00,000

Total Investment

7,229

Wealth Gained

₹1,07,229

Maturity Amount

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Frequently Asked Questions

The highest Capital Small Finance Bank FD rates for general citizens is 7.15% p.a. and 7.65% p.a. for senior citizens.

The highest interest rate on Capital Small Finance Bank 1 year FD scheme is 7% p.a.

6.8% p.a is the interest rate for 5 years on Capital Small Finance Bank FD scheme.

To know in how many years Capital Small Finance Bank Bank FD will double, we can follow the 72 rule. We have to divide 72 by the interest rate, and the result will be the number of years Capital Small Finance Bank Bank FD will double. The current highest Capital Small Finance Bank FD interest rate is 7.15% so investors will double the investment in 10.07 years. Similarly, senior citizen depositors will double their FD investment in 9.41 years, where the highest FD rate for senior citizens is 7.65%.

The minimum investment in Capital Small Finance Bank FD is INR 100. However, there is no limit on the maximum amount of investment in Capital Small Finance Bank FD.

The senior citizen fixed deposit interest rates in Capital Small Finance Bank range between 4% to 7.65% p.a. for an available minimum and maximum investment duration.

Capital Small Finance Bank FD tenure ranges from 15 days to 9 years 11 months 27 days

The interest from the Capital Small Finance Bank FD calculator for 10 lakh deposit for 1 year will be INR 72,290. The maturity value will be INR 10,72,290. You can use Scripbox’s FD Calculator to determine the maturity value of your investment.

You can check Capital Small Finance Bank FD balance either online or offline mode. For online mode, log in to the Capital Small Finance Bank internet banking portal. Alternatively, you can visit the nearest Capital Small Finance Bank bank to update your passbook for FD balance enquiry.

There is no restriction on the number of FDs you can open with Capital Small Finance Bank.