ESAF Small Finance Bank
every deposit rate, in one place.

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”

“Period Rate of Interest effective from 17/08/2026 Normal Rate (%) Rate for Senior Citizens (%) 7 days to 14 days 2.75% 3.25% 15 days to 59 days 3.25% 3.75% 60 days to 90 days 3.75% 4.25% 91 days to 182 days 4.00% 4.50% 183 days to 1 year 6.00 % 6.50 % 1 year 1 day to 500 days 7.25% 7.75% 501 days 7.50% 8.00% 502 days to less than 2 years 7.25% 7.75% 2 years to 799 days 7.75% 8.25% 800 days 8.00 % 8.50% 801 days to less than 3 years 7.75% 8.25% 3 years to less than 5 years 6.00% 6.50% 5 years to 10 years 5.75% 6.25% Notes: Interest rates as above are applicable for new Resident term deposits and renewal of existing Resident term deposits. Income Tax deduction at source from the interest paid on Resident term deposits will be made, wherever applicable, as per the Income Tax rules. The minimum tenor for Resident term deposits is 7 days. No interest would be payable for Resident term deposits prematurely withdrawn before completion of a period of 7 days from the date of deposit. Pre-mature closure of Resident term deposit attracts a penal provision of 1%, applied on the rate of interest applicable for the completed period, prevailing on the date of opening of the deposit. The interest rate applicable on premature closure of Resident term deposits will be (a) or (b) below, whichever is lower, subject to penalty for premature closure.”