What we know is incomplete on this page
- 3 products live under more than one w.e.f.. RD (2), RD · SC (2), NRO RD (2). Each date is shown as its own rate card, because a single table blending several w.e.f. dates is a table the bank never published.
Fixed deposits
FD · GeneralFD
w.e.f. 2026-06-2411 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 days | ₹1,000 – ₹3,00,00,000 | 2.75% |
| 15 days to 59 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 60 days to 90 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 91 days to 182 days | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 183 days to 1 year | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 1 year 1 day to 500 days | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 501 daysesaf_special_501d | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 502 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 5 years to 10 years | ₹1,000 – ₹3,00,00,000 | 5.75% |
FD · Senior CitizenFD_SC
w.e.f. 2026-06-2411 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 15 days to 59 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 60 days to 90 days | ₹1,000 – ₹3,00,00,000 | 4.25% |
| 91 days to 182 days | ₹1,000 – ₹3,00,00,000 | 4.50% |
| 183 days to 1 year | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 1 year 1 day to 500 days | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 501 daysesaf_special_501d | ₹1,000 – ₹3,00,00,000 | 8.00% |
| 502 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 8.25% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 5 years to 10 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-06-181 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (Tax Saver) | ₹1,000 – ₹1,50,000 | 5.75% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-06-181 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Years (Tax Saver) | ₹1,000 – ₹1,50,000 | 6.25% |
Recurring deposits
RDRD
2 w.e.f. dates live at once
w.e.f. 2026-06-24rate card 1 of 26 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year 1 day to 500 days | ₹100 – ₹14,99,900 | 7.25% |
| 501 daysesaf_rd_special_501d | ₹100 – ₹14,99,900 | 7.50% |
| 502 days to less than 2 years | ₹100 – ₹14,99,900 | 7.25% |
| 2 years to less than 3 years | ₹100 – ₹14,99,900 | 7.75% |
| 3 years to less than 5 years | ₹100 – ₹14,99,900 | 6.00% |
| 5 years to 10 years | ₹100 – ₹14,99,900 | 5.75% |
w.e.f. 2026-06-18rate card 2 of 22 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180 days to 182 days | ₹100 – ₹14,99,900 | 4.00% |
| 183 days to 1 year | ₹100 – ₹14,99,900 | 6.00% |
RD · SCRD_SC
2 w.e.f. dates live at once
w.e.f. 2026-06-24rate card 1 of 26 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year 1 day to 500 days | ₹100 – ₹14,99,900 | 7.75% |
| 501 daysesaf_rd_special_501d | ₹100 – ₹14,99,900 | 8.00% |
| 502 days to less than 2 years | ₹100 – ₹14,99,900 | 7.75% |
| 2 years to less than 3 years | ₹100 – ₹14,99,900 | 8.25% |
| 3 years to less than 5 years | ₹100 – ₹14,99,900 | 6.50% |
| 5 years to 10 years | ₹100 – ₹14,99,900 | 6.25% |
w.e.f. 2026-06-18rate card 2 of 22 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180 days to 182 days | ₹100 – ₹14,99,900 | 4.50% |
| 183 days to 1 year | ₹100 – ₹14,99,900 | 6.50% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-06-248 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| ₹0-₹1,00,000 | ₹0 – ₹1,00,000 | 2.50% |
| ₹1,00,001-₹2,00,000 | ₹1,00,001 – ₹2,00,000 | 3.00% |
| ₹2,00,001-₹5,00,000 | ₹2,00,001 – ₹5,00,000 | 5.00% |
| ₹5,00,001-₹15,00,000 | ₹5,00,001 – ₹15,00,000 | 5.50% |
| ₹15,00,001-₹1,00,00,000 | ₹15,00,001 – ₹1,00,00,000 | 6.50% |
| ₹1,00,00,001-₹15,00,00,000 | ₹1,00,00,001 – ₹15,00,00,000 | 7.00% |
| ₹15,00,00,001-₹1,00,00,00,000 | ₹15,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| ₹1,00,00,00,001-₹10,00,00,00,000 | ₹1,00,00,00,001 – ₹10,00,00,00,000 | 8.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-06-248 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| ₹0-₹1,00,000 | ₹0 – ₹1,00,000 | 2.50% |
| ₹1,00,001-₹2,00,000 | ₹1,00,001 – ₹2,00,000 | 3.00% |
| ₹2,00,001-₹5,00,000 | ₹2,00,001 – ₹5,00,000 | 5.00% |
| ₹5,00,001-₹15,00,000 | ₹5,00,001 – ₹15,00,000 | 5.50% |
| ₹15,00,001-₹1,00,00,000 | ₹15,00,001 – ₹1,00,00,000 | 6.50% |
| ₹1,00,00,001-₹15,00,00,000 | ₹1,00,00,001 – ₹15,00,00,000 | 7.00% |
| ₹15,00,00,001-₹1,00,00,00,000 | ₹15,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| ₹1,00,00,00,001-₹10,00,00,00,000 | ₹1,00,00,00,001 – ₹10,00,00,00,000 | 8.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-06-248 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| ₹0-₹1,00,000 | ₹0 – ₹1,00,000 | 2.50% |
| ₹1,00,001-₹2,00,000 | ₹1,00,001 – ₹2,00,000 | 3.00% |
| ₹2,00,001-₹5,00,000 | ₹2,00,001 – ₹5,00,000 | 5.00% |
| ₹5,00,001-₹15,00,000 | ₹5,00,001 – ₹15,00,000 | 5.50% |
| ₹15,00,001-₹1,00,00,000 | ₹15,00,001 – ₹1,00,00,000 | 6.50% |
| ₹1,00,00,001-₹15,00,00,000 | ₹1,00,00,001 – ₹15,00,00,000 | 7.00% |
| ₹15,00,00,001-₹1,00,00,00,000 | ₹15,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| ₹1,00,00,00,001-₹10,00,00,00,000 | ₹1,00,00,00,001 – ₹10,00,00,00,000 | 8.00% |
NRI deposits
NRENRE
w.e.f. 2026-06-247 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 1 year 1 day to 500 days | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 501 days | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 502 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 5 years to 10 years | ₹1,000 – ₹3,00,00,000 | 5.75% |
NRONRO
w.e.f. 2026-06-2411 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 days | ₹1,000 – ₹3,00,00,000 | 2.75% |
| 15 days to 59 days | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 60 days to 90 days | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 91 days to 182 days | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 183 days to 1 year | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 1 year 1 day to 500 days | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 501 days | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 502 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 5 years to 10 years | ₹1,000 – ₹3,00,00,000 | 5.75% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2026-06-247 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,000 – ₹14,99,900 | 6.00% |
| 1 year 1 day to 500 days | ₹1,000 – ₹14,99,900 | 7.25% |
| 501 days | ₹1,000 – ₹14,99,900 | 7.25% |
| 502 days to less than 2 years | ₹1,000 – ₹14,99,900 | 7.25% |
| 2 years to less than 3 years | ₹1,000 – ₹14,99,900 | 7.75% |
| 3 years to less than 5 years | ₹1,000 – ₹14,99,900 | 6.00% |
| 5 years to 10 years | ₹1,000 – ₹14,99,900 | 5.75% |
NRO RDNRO_RD
2 w.e.f. dates live at once
w.e.f. 2026-06-24rate card 1 of 26 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year 1 day to 500 days | ₹1,000 – ₹14,99,900 | 7.25% |
| 501 days | ₹1,000 – ₹14,99,900 | 7.50% |
| 502 days to less than 2 years | ₹1,000 – ₹14,99,900 | 7.25% |
| 2 years to less than 3 years | ₹1,000 – ₹14,99,900 | 7.75% |
| 3 years to less than 5 years | ₹1,000 – ₹14,99,900 | 6.00% |
| 5 years to 10 years | ₹1,000 – ₹14,99,900 | 5.75% |
w.e.f. 2026-06-18rate card 2 of 22 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 180 days to 182 days | ₹1,000 – ₹14,99,900 | 4.00% |
| 183 days to 1 year | ₹1,000 – ₹14,99,900 | 6.00% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-06-30USD12 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 365 days | up to USD 500,000 | 5.00% |
| 365 days | USD 500,000 – USD 1,000,000 | 5.10% |
| 365 days | USD 1,000,000 and above | 5.10% |
| 366 days | up to USD 500,000 | 5.10% |
| 366 days | USD 500,000 – USD 1,000,000 | 5.20% |
| 366 days | USD 1,000,000 and above | 5.20% |
| 367 days to 730 days | up to USD 500,000 | 5.00% |
| 367 days to 730 days | USD 500,000 – USD 1,000,000 | 5.10% |
| 367 days to 730 days | USD 1,000,000 and above | 5.10% |
| 731 days to 1095 days | up to USD 500,000 | 4.00% |
| 731 days to 1095 days | USD 500,000 – USD 1,000,000 | 4.10% |
| 731 days to 1095 days | USD 1,000,000 and above | 4.10% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-06-30USD9 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1096 days to 1460 days | up to USD 500,000 | 7.13% |
| 1096 days to 1460 days | USD 500,000 – USD 1,000,000 | 7.13% |
| 1096 days to 1460 days | USD 1,000,000 and above | 7.13% |
| 1461 days to 1825 days | up to USD 500,000 | 7.13% |
| 1461 days to 1825 days | USD 500,000 – USD 1,000,000 | 7.13% |
| 1461 days to 1825 days | USD 1,000,000 and above | 7.13% |
| 1826 days (5 years) | up to USD 500,000 | 7.50% |
| 1826 days (5 years) | USD 500,000 – USD 1,000,000 | 7.50% |
| 1826 days (5 years) | USD 1,000,000 and above | 7.75% |
If you break it early
Not yet verified
We have not read and recorded ESAF Small Finance Bank’s premature-withdrawal terms for FD · General, FD · Senior Citizen, Tax Saver, Tax Saver SC, RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO, NRE RD, NRO RD, FCNR · USD · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by ESAF Small Finance Bank
43 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-22
Recurring deposits
- RD · SSCsource ↗checked 2026-07-22
Auto-sweep
NRI deposits
- NRE · Non-Callablesource ↗checked 2026-07-22
- NRO · Non-Callablesource ↗checked 2026-07-22
- RFC · AUD (returned NRI)source ↗checked 2026-07-18
- RFC · CAD (returned NRI)source ↗checked 2026-07-18
- RFC · CHF (returned NRI)source ↗checked 2026-07-18
- RFC · EUR (returned NRI)source ↗checked 2026-07-18
- RFC · GBP (returned NRI)source ↗checked 2026-07-18
- RFC · HKD (returned NRI)source ↗checked 2026-07-18
- RFC · NZD (returned NRI)source ↗checked 2026-07-18
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-18
- RFC · SGD (returned NRI)source ↗checked 2026-07-18
- RFC · USD (returned NRI)source ↗checked 2026-07-18
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-18
- RFC Savings (returned NRI)source ↗checked 2026-07-18
FCNR — callable
- FCNR · AUD · Callablesource ↗checked 2026-07-22
- FCNR · CAD · Callablesource ↗checked 2026-07-22
- FCNR · CHF · Callablesource ↗checked 2026-07-22
- FCNR · EUR · Callablesource ↗checked 2026-07-22
- FCNR · GBP · Callablesource ↗checked 2026-07-22
- FCNR · HKD · Callablesource ↗checked 2026-07-22
- FCNR · NZD · Callablesource ↗checked 2026-07-22
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-18
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-18
- FCNR · SGD · Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-22
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-22
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-22
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-22
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-22
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-22
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-22
Financial healthQ4FY2026
Full transparency report →- GNPA
- 5.40%
- NNPA
- 1.80%
- CAR
- 22.20%
- CASA
- 23.90%
- ROA
- 0.08%
- ROE
- 0.60%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as ESAF Small Finance Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 118 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.