As of 5 Oct 2026, ESAF Small Finance Bank offers up to 7.75% p.a. on its recurring deposit (RD) (2 years to 799 days) for general customers and 8.25% p.a. (2 years to 799 days) for senior citizens. Rates below are as published by the bank — confirm with ESAF before investing.
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to | As of | Source |
|---|---|---|---|---|---|---|
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 |
|
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 |
|
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 |
As of 5 Oct 2026, ESAF Small Finance Bank offers up to 7.75% p.a. on its recurring deposit (RD) (2 years to 799 days) for general customers and 8.25% p.a. (2 years to 799 days) for senior citizens. Rates below are as published by the bank — confirm with ESAF before investing.
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at ESAF Small Finance Bank, depending on the tenure.
Deposits with ESAF Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
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.
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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