Rates verified from official source

Capital Small Finance Bank interest rates · November 2026

Top FD rate
7.25%
600 Days
Senior citizen FD
7.75%
600 Days
Top RD rate
7.81%
1 Year

Capital FD rates

1 year7.00%Senior 7.50%3 years7.00%Senior 7.50%5 years7.00%Senior 7.50%
All tenures, calculator and comparison →

What will my FD earn at Capital?

Estimated value after 1 year · before tax ₹5,36,720 7.15% p.a. · ₹36,720 interest · quarterly compounding
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Plan your recurring deposit at Capital

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

Capital Small Finance Bank (Capital) is a small finance bank, headquartered in Jalandhar, established in 2016. Its headline 1-year FD rate of 7.00% is 0.12% above the small finance bank average of 6.88%, ranking #295 of 1033 banks on RateScan.in.

Headquarters
Jalandhar
Established
2016
Monitored since
19 Sept 2026
Ownership
Private (small finance bank)
Operates in
Chandigarh, Delhi, Himachal Pradesh, Haryana, Jammu and Kashmir, Maharashtra, Punjab, Rajasthan
Financial health
CRAR
23.10%
Capital adequacy
Net NPA
1.35%
Bad loans (net)
Credit rating CARE
A-
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 30 Jun 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names Capital Small Finance Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

222 branches in 44 districts

Most branches: Jalandhar 56, Ludhiana 19, Hoshiarpur 16

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Capital Fixed Deposit rate changes

Changes to Capital's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 19 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to Capital's fixed deposit (FD) rates has been recorded since tracking started on 19 Sept 2026.

Credit rating

What independent credit rating agencies say about Capital Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

A-
Headline rating
Subordinated (Tier II) debt · CARE · Stable
Adequate safety: low credit risk
Latest rating action: 27 Feb 2026
AgencyInstrument RatingOutlook PublishedSource
CARE Subordinated (Tier II) debt ₹25 cr
Lower Tier II
 A Stable Reaffirmed
27 Feb 2026
 Agency rationale
CARE Subordinated (Tier II) debt ₹40 cr
Upper Tier II (rated one notch lower because of the lock-in clause)
 A- Stable Reaffirmed
27 Feb 2026
 Agency rationale

Note: Earlier versions of this page showed A+ (CRISIL). The rating we could match to a published document is from CARE.

How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with Capital Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • Capital is a small finance bank licensed and regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Capital, depending on the tenure.
  • Capital's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 30 Jun 2026 · Ingested 19 Sept 2026 · Verified 14 Oct 2026 · View source

Informational only. Always confirm the current rate on the official Capital website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.