SFB bank
ESAF Small Finance Bank FD rates
The highest rate ESAF Small Finance Bank publishes today is 8.00% for 800 Days. All 14 published terms are below, exactly as the bank states them.
Effective from 17 Aug 2026 — the date ESAF Small Finance Bank published these rates, not the date we read them.
Published terms
14
distinct rows on the bank’s own rate card
Rate range
2.75% – 8.00%
lowest to highest across all terms
Senior citizen premium
+50 bps
extra rate over the general card, by term
Bank type
SFB
as classified by the RBI
Fixed deposit · 13 terms
Source: ESAF Small Finance Bank interest-rate page| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 7 to 14 Days | 2.75% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 15 to 59 Days | 3.25% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 60 to 90 Days | 3.75% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 91 to 182 Days | 4.00% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 183 Days to 1 Year | 6.00% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| > 1 Year to 500 Days | 7.25% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 501 Days | 7.50% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 502 Days to < 2 Years | 7.25% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 2 Years to 799 Days | 7.75% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 800 Days | 8.00% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 801 Days to < 3 Years | 7.75% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 3 to < 5 Years | 6.00% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
| 5 to 10 Years | 5.75% | ₹1,000 – ₹3 Cr | 17 Aug 2026 |
Other fixed deposits at ESAF Small Finance Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: ESAF Small Finance Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Tax-saver fixed deposit
Source: ESAF Small Finance Bank interest-rate page — the bank's general rate page, not a dedicated oneQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 5 calendar Years | 5.75% | ₹1,000 – ₹1.50 L | 17 Aug 2026 |
Opening a fixed deposit with ESAF Small Finance Bank
ESAF Small Finance Bank publishes 14 separate terms for ordinary depositors, starting from ₹1,000. The highest is 8.00% at 800 Days.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 14 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside ESAF Bank App, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by ESAF Small Finance Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.