Equitas Small Finance Bank interest rates · November 2026
Equitas FD rates
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Overview
Equitas Small Finance Bank (Equitas) is a small finance bank, headquartered in Chennai, established in 2016. Its headline 1-year FD rate of 7.10% is 0.23% above the small finance bank average of 6.87%, ranking #276 of 1033 banks on RateScan.in.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 16 Jun 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.
RBI record
Every RBI press release since 1 Jan 2024 that names Equitas Small Finance Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹65 lakh
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Levy of Foreclosure Charges/Pre-payment Penalty on Floating Rate Term Loans’ and ‘Credit Flow to Agriculture – Collateral free agricultural loans’”
What RBI found
“The bank: levied foreclosure charges on certain floating rate term loans sanctioned to individual borrowers for purposes other than business; and obtained collateral security for certain agricultural loans amounting up to ₹1.6 lakh.”
RBI says: “This action is based on the deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
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
1,074 branches in 254 districts
Most branches: Chennai 37, Bengaluru Urban 31, Delhi 25
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.
Equitas rates
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Equitas Fixed Deposit rate changes
Changes to Equitas's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 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 Equitas's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.
Compare Equitas with other banks
See Equitas FD rates side by side against India's top banks.
Good to know
- Deposits with Equitas 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.
- Equitas 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 Equitas, depending on the tenure.
Informational only. Always confirm the current rate on the official Equitas 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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