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Headquartered in Chennai, Equitas Small Finance Bank is a prominent financial institution known for offering a wide range of innovative banking products, including fixed deposits (FDs). The bank's popularity stems from its attractive interest rates and extended facilities offered through the FD schemes.
This article provides a comprehensive guide on Equitas Small Finance Bank FD rates while providing insights into other essential details.
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.00% to 9.00% |
Public Interest Rates | 3.50% to 8.50% |
Highest Interest Rates for Public | 8.50% p.a. |
Highest Interest Rates for Senior Citizens | 9.00% p.a. |
Premature Withdrawal | 1% Penalty |
Minimum Deposit Amount | Rs 5000 |
Here is a table outlining the Equitas Small Finance Bank FD rates that are offered to domestic and NRO FD accounts below Rs.2 crore in 2025:
| Tenure | Interest Rate |
| 7 to 14 days | 3.50% |
| 15 to 29 days | 3.50% |
| 30 to 45 days | 4.00% |
| 46 to 62 days | 4.50% |
| 63 to 90 days | 4.50% |
| 91 to 120 days | 5.25% |
| 121 to 180 days | 5.25% |
| 181 to 210 days | 6.25% |
| 211 to 270 days | 6.25% |
| 271 to 364 days | 6.25% |
| 1 year (365 days) | 8.20% |
| 1 year 1 day | 8.00% |
| 1 year 2 days to 443 days | 8.20% |
| 444 days | 8.50% |
| 445 days to 18 months | 8.20% |
| 18 months 1 day to 2 years | 7.75% |
| 2 years 1 day to 887 days | 8.00% |
| 888 days | 8.25% |
| 889 days to 3 years | 8.00% |
| 3 years 1 day to 4 years | 7.50% |
| 4 years 1 day to 5 years | 7.25% |
| 5 years 1 day to 10 years | 7.25% |
Here is a table outlining the Equitas Small Finance Bank FD rates that are offered to NRE FD accounts below Rs.2 crore in 2025:
| Tenure | Interest Rate |
| 1 Year (365 days) | 8.20% |
| 1 Year 1 day | 8.00% |
| 1 Year 2 days to 443 days | 8.20% |
| 444 days | 8.50% |
| 445 days to 18 months | 8.20 |
| 18 months 1 day to 2 years | 7.75% |
| 2 years 1 day to 887 days | 8.00% |
| 888 days | 8.25% |
| 889 days to 3 years | 8.00% |
| 3 Years 1 day to 4 Years | 7.50% |
| 4 Years 1 day to 5 Years | 7.25% |
| 5 Years 1 day to 10 Years | 7.25% |
Look at the following table to determine the prevailing Equitas Small Finance Bank FD rates for senior citizens in 2025:
| Tenure | Interest Rate |
| 7 to 14 days | 4.00% |
| 15 to 29 days | 4.00% |
| 30 to 45 days | 4.50% |
| 46 to 62 days | 5.00% |
| 63 to 90 days | 5.00% |
| 91 to 120 days | 5.75% |
| 121 to 180 days | 5.75% |
| 181 to 210 days | 6.75% |
| 211 to 270 days | 6.75% |
| 271 to 364 days | 6.75% |
| 1 year (365 days) | 8.70% |
| 1 year 1 day | 8.50% |
| 1 year 2 days to 443 days | 8.70% |
| 444 days | 9.00% |
| 445 days to 18 months | 8.70% |
| 18 months 1 day to 2 years | 8.25% |
| 2 years 1 day to 887 days | 8.50% |
| 888 days | 8.75% |
| 889 days to 3 years | 8.50% |
| 3 years 1 day to 4 years | 8.00% |
| 4 years 1 day to 5 years | 7.75% |
| 5 years 1 day to 10 years | 7.75% |
Equitas Small Finance Bank offers a variety of fixed deposit schemes with attractive interest rates and flexible tenure, each tailored to meet the diverse financial needs of its customers. Let us discuss these FD schemes in detail.
1. Regular FD Scheme
This standard FD scheme offers high-interest rates with added benefits such as nomination, premature withdrawal, and partial withdrawal options. It is ideal for individuals seeking secure and reliable investment solutions for their savings.
2. Selfie FD Scheme
A unique FD option that allows you to open an account within 3 minutes using your Aadhaar and PAN card. Invest between ₹5,000 and ₹90,000 with tenures ranging from 7 to 365 days, ensuring convenience and flexibility.
3. NRE (Non-Resident External) FD Scheme
Tailored for NRIs, this scheme enables earning interest on overseas income in Indian currency. Interest is compounded and paid quarterly, with tax exemption on interest income, making it a tax-efficient choice for NRIs.
4. NRO (Non-Resident Ordinary) FD Scheme
Designed for NRIs as an alternative to NRE FDs, this scheme offers quarterly discounted interest rates with a TDS of 31.2%. It allows full repatriation of both principal and interest, providing flexibility and accessibility to funds.
Here is a table highlighting the lowest and highest Equitas FD rates that apply to regular and senior citizens:
| FD Interest Rate | Regular Citizens | Senior Citizens |
| Lowest | 3.50% | 4.00% |
| Highest | 8.50% | 9.00% |
Penalty on Early Withdrawal:
A penalty of 1% is deducted from the prevailing Equitas Small Finance Bank FD rates on premature withdrawals. The adjusted rate is applied when paying out interest.
Penalty Exemptions:
Restrictions:
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