Capital Small Finance Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Capital?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 Days to 45 Days 2 slabs at this rate |
3.50% | 4.00% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
46 Days to 89 Days |
4.00% | 4.50% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
90 Days to 179 Days |
4.75% | 5.25% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
180 Days to less than 1 Year |
5.50% | 6.00% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
12 Months |
7.15% | 7.65% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
1 Year to 10 Years 2 slabs at this rate |
7.00% | 7.50% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
400 Days Capital 400 Days Deposit |
7.10% | 7.60% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
600 Days |
7.25% | 7.75% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
900 Days |
7.25% | 7.75% | Below ₹3 crore (retail) | 30 Jun 2026 ✓ verified 14 Oct 2026 under verification | official fetched 19 Sept 2026 |
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Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
7.15%Before you book
Capital Fixed Deposit: frequently asked questions
What is the highest Capital Fixed Deposit interest rate?
As of 14 Nov 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 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective 30 Jun 2026 and was last verified 14 Oct 2026. Source: the bank's official rate page.
What is the Capital 2-year FD interest rate?
As of 14 Nov 2026, Capital Small Finance Bank offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2026 and was last verified 14 Oct 2026. Source: the bank's official rate page.
What is the Capital 3-year FD interest rate?
As of 14 Nov 2026, Capital Small Finance Bank offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2026 and was last verified 14 Oct 2026. Source: the bank's official rate page.
What is the Capital 5-year FD interest rate?
As of 14 Nov 2026, Capital Small Finance Bank offers 7.00% p.a. on a 5-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2026 and was last verified 14 Oct 2026. Source: the bank's official rate page.
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.
When did Capital last change its Fixed Deposit rates?
RateScan.in has recorded no change to Capital Small Finance Bank's fixed deposit (FD) rates since it started tracking them on 19 Sept 2026.
What fixed deposit (FD) tenures does Capital offer?
Capital Small Finance Bank's published fixed deposit (FD) rate table has 10 tenure bands, from “15 Days to 30 Days” to “5 Years and upto 10 Years”.
Does Capital have special fixed deposit (FD) schemes?
Capital Small Finance Bank's rate table lists these named schemes (1): Capital 400 Days Deposit. Check eligibility and end dates with the bank.
Does Capital pay more than the Post Office Time Deposit?
Capital Small Finance Bank pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Capital's 1-year FD rate rank?
Capital Small Finance Bank's 1-year general FD rate of 7.00% ranks #295 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 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.
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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.
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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