Rates verified from official source

Shivalik Small Finance Bank interest rates · November 2026

Top FD rate
8.00%
23 months 1 day to 27 months
Senior citizen FD
8.25%
23 months 1 day to 27 months
Top RD rate
8.00%
23 months 1 day to 27 months
Savings rate
7.00%
Balance above ₹10 lakh to ₹10 crore

Shivalik FD rates

1 year6.75%Senior 7.00%3 years6.25%Senior 6.50%5 years6.25%Senior 6.50%
All tenures, calculator and comparison →

What will my FD earn at Shivalik?

Estimated value after 1 year · before tax ₹5,34,614 6.75% p.a. · ₹34,614 interest · quarterly compounding
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Plan your recurring deposit at Shivalik

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

Shivalik Small Finance Bank (Shivalik) is a small finance bank, headquartered in Noida, established in 2021. Its headline 1-year FD rate of 6.75% is 0.15% below the small finance bank average of 6.90%, ranking #480 of 1033 banks on RateScan.in.

Headquarters
Noida
Established
2021
Monitored since
19 Sept 2026
Ownership
Private (small finance bank)
Operates in
Delhi, Gujarat, Haryana, Karnataka + 6 more states
Financial health
CRAR
26.15%
Capital adequacy
Net NPA
0.95%
Bad loans (net)
Credit rating Infomerics
A
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 1 Oct 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names Shivalik Small Finance Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

47 branches in 25 districts

Most branches: Saharanpur 12, Meerut 4, Gautam Buddha Nagar 3

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Shivalik Fixed Deposit rate changes

Changes to Shivalik's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 19 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to Shivalik's fixed deposit (FD) rates has been recorded since tracking started on 19 Sept 2026.

Credit rating

What independent credit rating agencies say about Shivalik Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

A
Headline rating
Basel III Tier II bonds · Infomerics · Stable
Adequate safety: low credit risk
Latest rating action: 3 Feb 2026
AgencyInstrument RatingOutlook PublishedSource
Infomerics Basel III Tier II bonds ₹50 cr
Basel III Tier II bonds. Outlook revised to Stable from Positive.
 A Stable Outlook revised
3 Feb 2026
 Agency rationale
How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics · Shivalik SFB rating documents

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with Shivalik 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.
  • Shivalik is a small finance bank licensed and regulated by the RBI.
  • Senior citizens (60+) earn up to 0.25% p.a. more than general customers at Shivalik, depending on the tenure.
official Effective 1 Oct 2026 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

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