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ESAF Small Finance Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, ESAF Small Finance Bank offers up to 8.00% p.a. on its fixed deposit (FD) (800 days) for general customers and 8.50% p.a. (800 days) for senior citizens. Rates below are as published by the bank — confirm with ESAF before investing.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

2%3%4%5%6%7%8% 7 days to 14 days: 2.75% 15 days to 59 days: 3.25% 60 days to 90 days: 3.75% 91 days to 182 days: 4.00% 183 days to 1 year: 6.00% 1 year 1 day to 500 days: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 501 days · 501-day Special: 7.50% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 502 days to less than 2 years: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 799 days: 7.75% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 800 days · 800-day Special: 8.00% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 801 days to less than 3 years: 7.75% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to less than 5 years: 6.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 5.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m366d501d502d2y800d801d3y5y 2.753.253.754.006.007.257.507.257.758.007.756.005.75 General Post Office TD Special scheme

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.

2%3%4%5%6%7%8% 7 days to 14 days: 3.25% (General: 2.75%) 15 days to 59 days: 3.75% (General: 3.25%) 60 days to 90 days: 4.25% (General: 3.75%) 91 days to 182 days: 4.50% (General: 4.00%) 183 days to 1 year: 6.50% (General: 6.00%) 1 year 1 day to 500 days: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 501 days · 501-day Special: 8.00% (General: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 502 days to less than 2 years: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 799 days: 8.25% (General: 7.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 800 days · 800-day Special: 8.50% (General: 8.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 801 days to less than 3 years: 8.25% (General: 7.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to less than 5 years: 6.50% (General: 6.00%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.25% (General: 5.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m366d501d502d2y800d801d3y5y 3.253.754.254.506.507.758.007.758.258.508.256.506.25 Senior General Post Office TD Special scheme

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.

3%4%5%6%7%8% 7 days to 14 days: 3.25% (Senior: 3.25%) 15 days to 59 days: 3.75% (Senior: 3.75%) 60 days to 90 days: 4.25% (Senior: 4.25%) 91 days to 182 days: 4.50% (Senior: 4.50%) 183 days to 1 year: 6.50% (Senior: 6.50%) 1 year 1 day to 500 days: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 501 days · 501-day Special: 8.00% (Senior: 8.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 502 days to less than 2 years: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 799 days: 8.25% (Senior: 8.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 800 days · 800-day Special: 8.50% (Senior: 8.50%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 801 days to less than 3 years: 8.25% (Senior: 8.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to less than 5 years: 6.50% (Senior: 6.50%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.25% (Senior: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m366d501d502d2y800d801d3y5y 3.253.754.254.506.507.758.007.758.258.508.256.506.25 Senior Senior Post Office TD Special scheme

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 days to 14 days
 2.75% 3.25% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
15 days to 59 days
 3.25% 3.75% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
60 days to 90 days
 3.75% 4.25% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
91 days to 182 days
 4.00% 4.50% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
183 days to 1 year
 6.00% 6.50% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
1 year 1 day to 500 days
 7.25% 7.75% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
501 days
501-day Special
 7.50% 8.00% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
502 days to less than 2 years
 7.25% 7.75% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
2 years to 799 days
 7.75% 8.25% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
800 days
800-day Special
 8.00% 8.50% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
801 days to less than 3 years
 7.75% 8.25% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
3 years to less than 5 years
 6.00% 6.50% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
5 years to 10 years
 5.75% 6.25% Below ₹300 lakhs (retail)
17 Aug 2026
official
fetched 26 Sept 2026
✓ verified 5 Oct 2026
Source ↗

ESAF Fixed Deposit: frequently asked questions

What is the highest ESAF Fixed Deposit interest rate?

As of 5 Oct 2026, ESAF Small Finance Bank offers up to 8.00% p.a. on its fixed deposit (FD) (800 days) for general customers and 8.50% p.a. (800 days) for senior citizens. Rates below are as published by the bank — confirm with ESAF before investing.

What is the ESAF 1 year FD interest rate?

As of 5 Oct 2026, ESAF Small Finance Bank offers 6.00% p.a. on a 1-year FD for general customers and 6.50% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at ESAF?

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

Is my fixed deposit (FD) with ESAF insured?

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

How current are these ESAF rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 17 Aug 2026. Rates can change without notice, so verify on the official ESAF website before investing.

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Good to know

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.

official Effective 17 Aug 2026 · Ingested 26 Sept 2026 · Verified 5 Oct 2026 · View source

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.