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Capital Small Finance Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Capital Small Finance Bank offers up to 7.25% p.a. on its fixed deposit (FD) (600 Days) for general customers and 7.75% p.a. (600 Days) for senior citizens. Rates below are as published by the bank — confirm with Capital before investing.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 15 Days to 30 Days: 3.50% 31 Days to 45 Days: 3.50% 46 Days to 89 Days: 4.00% 90 Days to 179 Days: 4.75% 180 Days to less than 1 Year: 5.50% 12 Months: 7.15% 1 Year to less than 5 Years: 7.00% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 400 Days · Capital 400 Days Deposit: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 600 Days: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 900 Days: 7.25% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 5 Years and upto 10 Years: 7.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m12m1y400d600d900d5y 3.503.504.004.755.507.157.007.107.257.257.00 General Post Office TD Special scheme

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.

3%4%5%6%7%8% 15 Days to 30 Days: 4.00% (General: 3.50%) 31 Days to 45 Days: 4.00% (General: 3.50%) 46 Days to 89 Days: 4.50% (General: 4.00%) 90 Days to 179 Days: 5.25% (General: 4.75%) 180 Days to less than 1 Year: 6.00% (General: 5.50%) 12 Months: 7.65% (General: 7.15%) 1 Year to less than 5 Years: 7.50% (General: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 400 Days · Capital 400 Days Deposit: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 600 Days: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 900 Days: 7.75% (General: 7.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 5 Years and upto 10 Years: 7.50% (General: 7.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m12m1y400d600d900d5y 4.004.004.505.256.007.657.507.607.757.757.50 Senior General Post Office TD Special scheme

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.

4%5%6%7%8% 15 Days to 30 Days: 4.00% (Senior: 4.00%) 31 Days to 45 Days: 4.00% (Senior: 4.00%) 46 Days to 89 Days: 4.50% (Senior: 4.50%) 90 Days to 179 Days: 5.25% (Senior: 5.25%) 180 Days to less than 1 Year: 6.00% (Senior: 6.00%) 12 Months: 7.65% (Senior: 7.65%) 1 Year to less than 5 Years: 7.50% (Senior: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 400 Days · Capital 400 Days Deposit: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 600 Days: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 900 Days: 7.75% (Senior: 7.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 5 Years and upto 10 Years: 7.50% (Senior: 7.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m12m1y400d600d900d5y 4.004.004.505.256.007.657.507.607.757.757.50 Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorTrendApplies toAs ofSource
15 Days to 30 Days
 3.50% 4.00% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
31 Days to 45 Days
 3.50% 4.00% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
46 Days to 89 Days
 4.00% 4.50% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
90 Days to 179 Days
 4.75% 5.25% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
180 Days to less than 1 Year
 5.50% 6.00% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
12 Months
 7.15% 7.65% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
1 Year to less than 5 Years
 7.00% 7.50% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
400 Days
Capital 400 Days Deposit
 7.10% 7.60% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
600 Days
 7.25% 7.75% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
900 Days
 7.25% 7.75% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
5 Years and upto 10 Years
 7.00% 7.50% Below ₹3 crore (retail)
30 Jun 2026
official
fetched 19 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Capital Fixed Deposit: frequently asked questions

What is the highest Capital Fixed Deposit interest rate?

As of 5 Oct 2026, Capital Small Finance Bank offers up to 7.25% p.a. on its fixed deposit (FD) (600 Days) for general customers and 7.75% p.a. (600 Days) for senior citizens. Rates below are as published by the bank — confirm with Capital before investing.

What is the Capital 1 year FD interest rate?

As of 5 Oct 2026, Capital Small Finance Bank offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at Capital?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Capital Small Finance Bank, depending on the tenure.

Is my fixed deposit (FD) with Capital insured?

Deposits with Capital Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Capital rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 30 Jun 2026. Rates can change without notice, so verify on the official Capital website before investing.

More Capital rates

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Good to know

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.

official Effective 30 Jun 2026 · Ingested 19 Sept 2026 · Verified 5 Oct 2026 · View source

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