Equitas Small Finance Bank FD Interest Rates

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What is Equitas Small Finance Bank FD?

Equitas Small Finance Bank offers a variety of Fixed Deposit (FD) products designed to provide secure and attractive returns on your savings. Equitas Bank offers its peak interest rates for 888 days, up to 7.40% p.a. for general citizens and 8.00% p.a. for senior citizens. As a small finance bank, it is known for providing competitive interest rates, often higher than those of larger commercial banks, particularly for specific tenures.

Equitas Small Finance Bank fixed deposits incur no penalty for premature withdrawals if the deposit has been held for more than 6 months.

Equitas Bank FD: Key Highlights 

Equitas Bank FD Rates: Latest Updates 2026

As of March 2, 2026, Equitas Small Finance Bank has updated its FD interest rates, offering senior citizens up to 8.00% p.a. interest.  

Equitas Small Finance Bank Fixed Deposit Rates 2026

Here are the Domestic FD Rates for Equitas Small Finance Bank for 2026 -

Equitas Fixed Deposit Interest Rates for Domestic, NRE / NRO (for INR) Below 3 crore 

* *Equitas Bank FD interest rates w.e.f. March 02, 2026

Equitas Fixed Deposit Interest Rates for BULK DEPOSIT RATES (Rs. 3 Crore & ABOVE)

*Equitas Bank FD Rates for above 3 crore, callable and non-callable as of 15th April 2026*

Types of Equitas Small Finance Bank Fixed Deposit

1. Equitas Regular FD Scheme 

   Equitas Small Finance Bank offers a Fixed Deposit (FD) scheme that provides a one-time investment opportunity with a special 888-day tenure.

   • Tenure - 888 days 
   • Attractive Interest Rates: 888-day FD: 7.40% p.a. (8.00% for senior investors)
   • Easy Access to Funds: Can withdraw partially or fully
   • Premature Withdrawal: No Equitas Premature Withdrawal FD Facility is available
   • Nomination Facility: Available 

2. Equitas Selfe FD 

   It is a unique digital Fixed Deposit (FD) scheme offered by Equitas Small Finance Bank that is designed for quick and easy online opening. Its main purpose is to allow individuals to open a fixed deposit instantly without needing to have a pre-existing savings account with the bank.

   • Instant Account Opening: You can open a Selfe FD online in just a few minutes 
   • No Existing Account Required: You won't need to have a savings account 
   • Minimum Deposit Amount - Rs 5,000
   • Maximum Deposit Amount - Rs ₹90,000
   • Tenure: 7 days up to 365 days

Features of Equitas Small Finance Bank Fixed Deposit

Some of the major features of Equitas fixed deposits are:

• Flexible Interest Rates - The bank offers a reasonable way for customers to utilise their idle funds as FDs. Equitas Small Finance Bank FD rates are reasonable and sound.
• Flexible Tenure - One can choose a tenure of 7 days to 10 years, as per their investment requirements.
• Partial or Full Premature Withdrawal - The bank allows partial and full premature withdrawal of FDs. This feature, however, does not apply to FDs with monthly payout schemes.
• Nomination Facility: You can add your family member's details as the nominee. 
• Auto-Renewal - The Bank provides an auto-renewal facility, so you don't have to keep track of renewals; they're renewed automatically.
• Interest Payout Options - Equitas Small Finance Bank Fixed Deposit offers quarterly and monthly payouts, with the option to reinvest.

How to Open an Equitas Bank Fixed Deposit

Equitas Bank Fixed Deposit is a reliable investment option for those seeking secure and stable returns. By making a one-time deposit of a chosen amount for a fixed period, you can watch your savings grow with competitive interest rates.

Online FD 

If you're an existing customer, opening an FD online is a seamless process through Equitas Bank's digital banking platforms - 

• NetBanking or Mobile App: Log in to your account using the Equitas Mobile Banking App or the Internet Banking portal.
• Go to 'Fixed Deposit': Go to the 'Fixed Deposit' and select 'Open FD'. 
• Enter FD Details: Choose your savings account for debit, enter the FD amount, and select your tenure.
• Select Payout Type: Choose between Cumulative or Non-cumulative options.
• Maturity Instructions: Specify what should happen at maturity, such as auto-renewal or a payout
• Review & Confirm: Review all the details, accept the terms and conditions, and submit.
• Get FD Receipt: A digital FD receipt or confirmation will be generated instantly.

 Offline FD Account Opening

If you prefer a traditional approach, you can visit your nearest Equitas Small Finance Bank branch to open an FD in person.

• Visit the Branch: Go to an Equitas Bank branch with your necessary documents. 
• Fill the FD Form: Obtain and fill out the Fixed Deposit application form 
• Submit Documents: If you are a new customer, you'll need to submit your KYC documents
• Deposit Funds: Hand over the FD amount to the bank official
• Tenure & Payout: Choose the deposit tenure and your preferred interest payout frequency.
• Get the FD Receipt: The bank will provide you with a physical FD Receipt as proof of investment.

Eligibility 

Here are the eligibility criteria for the Equitas Bank FD. Make sure to go through.  

• All resident individuals
• Partnership firms
• Hindu undivided families (HUFs)
• Sole proprietors
• Trust accounts
• Limited companies

Wrapping It Up

Equitas Small Finance Bank offers interest rates reaching up to 7.40% p.a. for general citizens and 8.00% p.a. for senior citizens. Specifically for the popular 888-day tenure, investors earn attractive rates of 7.40% p.a. for general and 7.90% p.a. for senior citizens to help achieve their financial goals. Whether you choose the standard regular fixed deposit for long-term planning or the convenient, digital-first Equitas self-FD. To make an informed decision, it is essential to compare the latest fixed deposit interest rates offered by leading banks and other NBFCs.