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Equitas Small Finance Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Equitas Small Finance Bank offers up to 7.75% p.a. on its fixed deposit (FD) (888 days) for general customers and 8.25% p.a. (888 days) for senior citizens. Rates below are as published by the bank — confirm with Equitas 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%8% 7 - 14 days: 3.50% 15 - 29 days: 3.50% 30 - 45 days: 4.00% 46 - 62 days: 4.75% 63 - 90 days: 4.75% 91 - 120 days: 5.25% 121 - 180 days: 5.25% 181 - 210 days: 6.35% 211 - 270 days: 6.35% 271 - 364 days: 6.35% 1 year to 443 days: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 days: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 445 days to 18 months: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 months 1 day to 2 years: 7.00% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 777 Days: 7.10% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 778 days to 887 days: 7.10% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 888 days: 7.75% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 day to 3 years: 7.10% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years 2 days to 4 years: 7.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 4 years 1 day to 5 years: 7.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 2 years 1 day 776 days: 7.10% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years 1 day to 10 years: 7.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m4m6m7m9m1y444d445d541d777d778d888d889d1097d1461d1507d1826d General Post Office TD

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% 7 - 14 days: 4.00% (General: 3.50%) 15 - 29 days: 4.00% (General: 3.50%) 30 - 45 days: 4.50% (General: 4.00%) 46 - 62 days: 5.25% (General: 4.75%) 63 - 90 days: 5.25% (General: 4.75%) 91 - 120 days: 5.75% (General: 5.25%) 121 - 180 days: 5.75% (General: 5.25%) 181 - 210 days: 6.85% (General: 6.35%) 211 - 270 days: 6.85% (General: 6.35%) 271 - 364 days: 6.85% (General: 6.35%) 1 year to 443 days: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 days: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 445 days to 18 months: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 months 1 day to 2 years: 7.50% (General: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 777 Days: 7.60% (General: 7.10%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 778 days to 887 days: 7.60% (General: 7.10%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 888 days: 8.25% (General: 7.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 day to 3 years: 7.60% (General: 7.10%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years 2 days to 4 years: 7.50% (General: 7.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 4 years 1 day to 5 years: 7.50% (General: 7.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 2 years 1 day 776 days: 7.60% (General: 7.10%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years 1 day to 10 years: 7.50% (General: 7.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m4m6m7m9m1y444d445d541d777d778d888d889d1097d1461d1507d1826d Senior General Post Office TD

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% 7 - 14 days: 4.00% (Senior: 4.00%) 15 - 29 days: 4.00% (Senior: 4.00%) 30 - 45 days: 4.50% (Senior: 4.50%) 46 - 62 days: 5.25% (Senior: 5.25%) 63 - 90 days: 5.25% (Senior: 5.25%) 91 - 120 days: 5.75% (Senior: 5.75%) 121 - 180 days: 5.75% (Senior: 5.75%) 181 - 210 days: 6.85% (Senior: 6.85%) 211 - 270 days: 6.85% (Senior: 6.85%) 271 - 364 days: 6.85% (Senior: 6.85%) 1 year to 443 days: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 days: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 445 days to 18 months: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 months 1 day to 2 years: 7.50% (Senior: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 777 Days: 7.60% (Senior: 7.60%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 778 days to 887 days: 7.60% (Senior: 7.60%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 888 days: 8.25% (Senior: 8.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 day to 3 years: 7.60% (Senior: 7.60%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years 2 days to 4 years: 7.50% (Senior: 7.50%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 4 years 1 day to 5 years: 7.50% (Senior: 7.50%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 2 years 1 day 776 days: 7.60% (Senior: 7.60%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years 1 day to 10 years: 7.50% (Senior: 7.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m2m2m3m4m6m7m9m1y444d445d541d777d778d888d889d1097d1461d1507d1826d Senior Senior Post Office TD

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
7 - 14 days
 3.50% 4.00% Below ₹3 crore
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
15 - 29 days
 3.50% 4.00% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
30 - 45 days
 4.00% 4.50% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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46 - 62 days
 4.75% 5.25% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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63 - 90 days
 4.75% 5.25% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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91 - 120 days
 5.25% 5.75% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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121 - 180 days
 5.25% 5.75% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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181 - 210 days
 6.35% 6.85% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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211 - 270 days
 6.35% 6.85% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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271 - 364 days
 6.35% 6.85% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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1 year to 443 days
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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444 days
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
445 days to 18 months
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
18 months 1 day to 2 years
 7.00% 7.50% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
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777 Days
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
778 days to 887 days
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
888 days
 7.75% 8.25% Below ₹3 crore
16 Jun 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
889 day to 3 years
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
3 years 2 days to 4 years
 7.00% 7.50% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
4 years 1 day to 5 years
 7.00% 7.50% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
2 years 1 day 776 days
 7.10% 7.60% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
5 years 1 day to 10 years
 7.00% 7.50% Below ₹3 crore
16 Jun 2026
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fetched 20 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Equitas Fixed Deposit: frequently asked questions

What is the highest Equitas Fixed Deposit interest rate?

As of 5 Oct 2026, Equitas Small Finance Bank offers up to 7.75% p.a. on its fixed deposit (FD) (888 days) for general customers and 8.25% p.a. (888 days) for senior citizens. Rates below are as published by the bank — confirm with Equitas before investing.

What is the Equitas 1 year FD interest rate?

As of 5 Oct 2026, Equitas Small Finance Bank offers 7.10% p.a. on a 1-year FD for general customers and 7.60% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at Equitas?

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

Is my fixed deposit (FD) with Equitas insured?

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

How current are these Equitas rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 16 Jun 2026. Rates can change without notice, so verify on the official Equitas website before investing.

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See Equitas FD rates side by side against India's top banks.

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Good to know

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.

official Effective 16 Jun 2026 · Ingested 20 Sept 2026 · Verified 5 Oct 2026 · View source

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