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 in line with the small finance bank average of 6.77%, ranking #7 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 26 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Shivalik (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 |
3.50% | 3.75% | Below ₹3 crore (retail) | |
15 days to 29 days |
3.75% | 4.00% | Below ₹3 crore (retail) | |
30 days to 90 days |
4.25% | 4.50% | Below ₹3 crore (retail) | |
91 days to 180 days |
4.75% | 5.00% | Below ₹3 crore (retail) | |
6 months to less than 9 months |
6.00% | 6.25% | Below ₹3 crore (retail) | |
9 months to 12 months |
6.00% | 6.25% | Below ₹3 crore (retail) | |
12 months 1 day to less than 18 months |
6.75% | 7.00% | Below ₹3 crore (retail) | |
18 months to 23 months |
7.50% | 7.75% | Below ₹3 crore (retail) | |
23 months 1 day to 27 months |
8.00% | 8.25% | Below ₹3 crore (retail) | |
27 months 1 day to 36 months |
7.50% | 7.75% | Below ₹3 crore (retail) | |
36 months 1 day to 60 months |
6.25% | 6.50% | Below ₹3 crore (retail) | |
60 months 1 day to 120 months |
6.25% | 6.50% | Below ₹3 crore (retail) | |
Tax saver FD 5 Years (60 months) |
6.25% | 6.50% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
18 months to 23 months |
7.50% | 7.75% | Any amount | |
23 months 1 day to 27 months |
8.00% | 8.25% | Any amount | |
27 months 1 day to 36 months |
7.50% | 7.75% | Any amount | |
36 months 1 day to 60 months |
6.25% | 6.50% | Any amount | |
60 months 1 day to 120 months |
6.25% | 6.50% | Any amount | |
Tax saver FD 5 Years (60 months) |
6.25% | 6.50% | Any amount |
Deposits with Shivalik 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 Shivalik 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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