ESAF Small Finance Bank (ESAF) is a small finance bank, headquartered in Thrissur, established in 2017. Its headline 1-year FD rate of 6.00% is −0.86% below the small finance bank average of 6.86%, ranking #9 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 17 Aug 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at ESAF (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 days to 14 days |
2.75% | 3.25% | — | Below ₹300 lakhs (retail) |
15 days to 59 days |
3.25% | 3.75% | — | Below ₹300 lakhs (retail) |
60 days to 90 days |
3.75% | 4.25% | — | Below ₹300 lakhs (retail) |
91 days to 182 days |
4.00% | 4.50% | — | Below ₹300 lakhs (retail) |
183 days to 1 year |
6.00% | 6.50% | — | Below ₹300 lakhs (retail) |
1 year 1 day to 500 days |
7.25% | 7.75% | — | Below ₹300 lakhs (retail) |
501 days 501-day Special |
7.50% | 8.00% | — | Below ₹300 lakhs (retail) |
502 days to less than 2 years |
7.25% | 7.75% | — | Below ₹300 lakhs (retail) |
2 years to 799 days |
7.75% | 8.25% | — | Below ₹300 lakhs (retail) |
800 days 800-day Special |
8.00% | 8.50% | — | Below ₹300 lakhs (retail) |
801 days to less than 3 years |
7.75% | 8.25% | — | Below ₹300 lakhs (retail) |
3 years to less than 5 years |
6.00% | 6.50% | Below ₹300 lakhs (retail) | |
5 years to 10 years |
5.75% | 6.25% | Below ₹300 lakhs (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year 1 day to 500 days |
7.25% | 7.75% | — | Below ₹300 lakhs (retail) |
502 days to less than 2 years |
7.25% | 7.75% | — | Below ₹300 lakhs (retail) |
2 years to 799 days |
7.75% | 8.25% | — | Below ₹300 lakhs (retail) |
801 days to less than 3 years |
7.75% | 8.25% | — | Below ₹300 lakhs (retail) |
3 years to less than 5 years |
6.00% | 6.50% | — | Below ₹300 lakhs (retail) |
5 years to 10 years |
5.75% | 6.25% | — | Below ₹300 lakhs (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | — | Up to ₹1 lakh |
Any tenure |
3.00% | 2.50% | — | Above ₹1 lakh to ₹2 lakhs |
Any tenure |
5.00% | 2.50% | — | Above ₹2 lakh to ₹5 lakhs |
Any tenure |
5.50% | 2.50% | — | Above ₹5 lakh to ₹15 lakhs |
Any tenure |
6.50% | 2.50% | — | Above ₹15 lakh to ₹1 crore |
Any tenure |
7.00% | 2.50% | — | Above ₹1 crore to ₹15 crore |
Any tenure |
7.50% | 2.50% | — | Above ₹15 crore to ₹100 crore |
Any tenure |
8.00% | 2.50% | — | Above ₹100 crore |
Deposits with ESAF 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 ESAF 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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