ESAF Small Finance Bank Fixed Deposit interest rates · November 2026
What will my FD earn at ESAF?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 14 days |
2.75% | 3.25% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
15 days to 59 days |
3.25% | 3.75% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
60 days to 90 days |
3.75% | 4.25% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
91 days to 182 days |
4.00% | 4.50% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
183 days to 1 year |
6.00% | 6.50% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
1 year 1 day to 500 days |
7.25% | 7.75% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
501 days 501-day Special |
7.50% | 8.00% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
502 days to less than 2 years |
7.25% | 7.75% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
2 years to 799 days |
7.75% | 8.25% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
800 days 800-day Special |
8.00% | 8.50% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
801 days to less than 3 years |
7.75% | 8.25% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
3 years to less than 5 years |
6.00% | 6.50% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
5 years to 10 years |
5.75% | 6.25% | Below ₹300 lakhs (retail) | 17 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
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ESAF FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.00%Before you book
ESAF Fixed Deposit: frequently asked questions
What is the highest ESAF Fixed Deposit interest rate?
As of 14 Nov 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 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective 17 Aug 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ESAF 2-year FD interest rate?
As of 14 Nov 2026, ESAF Small Finance Bank offers 7.75% p.a. on a 2-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 17 Aug 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ESAF 3-year FD interest rate?
As of 14 Nov 2026, ESAF Small Finance Bank offers 6.00% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 17 Aug 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ESAF 5-year FD interest rate?
As of 14 Nov 2026, ESAF Small Finance Bank offers 5.75% p.a. on a 5-year FD for general customers and 6.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 17 Aug 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
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.
When did ESAF last change its Fixed Deposit rates?
ESAF Small Finance Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 26 Sept 2026: the general rate for 1095–1824 days went from 7.40% to 6.00%. RateScan.in has tracked ESAF's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does ESAF offer?
ESAF Small Finance Bank's published fixed deposit (FD) rate table has 11 tenure bands, from “7 days to 14 days” to “5 years to 10 years”.
Does ESAF have special fixed deposit (FD) schemes?
ESAF Small Finance Bank's rate table lists these named schemes (2): 501-day Special; 800-day Special. Check eligibility and end dates with the bank.
Does ESAF pay more than the Post Office Time Deposit?
ESAF Small Finance Bank pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 7.75% (PO 7.00%), 3y 6.00% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does ESAF's 1-year FD rate rank?
ESAF Small Finance Bank's 1-year general FD rate of 6.00% ranks #817 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 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 per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- ESAF 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 ESAF, depending on the tenure.
- ESAF's FD table includes 2 special schemes; check eligibility and end dates.
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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