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 +0.37% above the small finance bank average of 6.73%, ranking #4 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 16 Jun 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Equitas (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 |
|---|---|---|---|---|
7 - 14 days |
3.50% | 4.00% | Below ₹3 crore | |
15 - 29 days |
3.50% | 4.00% | Below ₹3 crore | |
30 - 45 days |
4.00% | 4.50% | Below ₹3 crore | |
46 - 62 days |
4.75% | 5.25% | Below ₹3 crore | |
63 - 90 days |
4.75% | 5.25% | Below ₹3 crore | |
91 - 120 days |
5.25% | 5.75% | Below ₹3 crore | |
121 - 180 days |
5.25% | 5.75% | Below ₹3 crore | |
181 - 210 days |
6.35% | 6.85% | Below ₹3 crore | |
211 - 270 days |
6.35% | 6.85% | Below ₹3 crore | |
271 - 364 days |
6.35% | 6.85% | Below ₹3 crore | |
1 year to 443 days |
7.10% | 7.60% | Below ₹3 crore | |
444 days |
7.10% | 7.60% | Below ₹3 crore | |
445 days to 18 months |
7.10% | 7.60% | Below ₹3 crore | |
18 months 1 day to 2 years |
7.00% | 7.50% | Below ₹3 crore | |
777 Days |
7.10% | 7.60% | Below ₹3 crore | |
778 days to 887 days |
7.10% | 7.60% | Below ₹3 crore | |
888 days |
7.75% | 8.25% | Below ₹3 crore | |
889 day to 3 years |
7.10% | 7.60% | Below ₹3 crore | |
3 years 2 days to 4 years |
7.00% | 7.50% | Below ₹3 crore | |
4 years 1 day to 5 years |
7.00% | 7.50% | Below ₹3 crore | |
2 years 1 day 776 days |
7.10% | 7.60% | Below ₹3 crore | |
5 years 1 day to 10 years |
7.00% | 7.50% | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to 443 days |
7.10% | 7.60% | Any amount | |
445 days to 18 months |
7.10% | 7.60% | Any amount | |
18 months 1 day to 2 years |
7.00% | 7.50% | Any amount | |
778 days to 887 days |
7.10% | 7.60% | Any amount | |
889 day to 3 years |
7.10% | 7.60% | Any amount | |
3 years 2 days to 4 years |
7.00% | 7.50% | Any amount | |
4 years 1 day to 5 years |
7.00% | 7.50% | Any amount | |
5 years 1 day to 10 years |
7.00% | 7.50% | Any amount |
Deposits with Equitas 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 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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