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 +0.26% above the small finance bank average of 6.74%, ranking #5 of 10 small finance banks.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 26 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Capital (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
15 Days to 30 Days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
31 Days to 45 Days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
46 Days to 89 Days |
4.00% | 4.50% | Below ₹3 crore (retail) | |
90 Days to 179 Days |
4.75% | 5.25% | Below ₹3 crore (retail) | |
180 Days to less than 1 Year |
5.50% | 6.00% | Below ₹3 crore (retail) | |
12 Months |
7.15% | 7.65% | Below ₹3 crore (retail) | |
1 Year to less than 5 Years |
7.00% | 7.50% | Below ₹3 crore (retail) | |
400 Days Capital 400 Days Deposit |
7.10% | 7.60% | Below ₹3 crore (retail) | |
600 Days |
7.25% | 7.75% | Below ₹3 crore (retail) | |
900 Days |
7.25% | 7.75% | Below ₹3 crore (retail) | |
5 Years and upto 10 Years |
7.00% | 7.50% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year to less than 5 Years |
7.00% | 7.50% | Any amount | |
600 Days |
7.25% | 7.75% | Any amount | |
900 Days |
7.25% | 7.75% | Any amount | |
5 Years and upto 10 Years |
7.00% | 7.50% | Any amount |
Deposits with Capital Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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.
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