Equitas Small Finance Bank is giving good FD interest rates in 2026. For normal people, FD rates start from 3.50% and go up to 7.30% per year. Senior citizens get an extra benefit, and the rate can go up to 7.80% per year for some fixed periods. Right now, the highest interest is mostly available for the Equitas 888-day FD Scheme, where general customers get 7.30%, and senior citizens get 7.80%. The FD can be opened from 7 days to 10 years for retail customers.
These rates are for normal residents and some NRI FDs only. Amount should be below ₹3 crore. If money is more than ₹3 crore, the bank treats it as a bulk FD and gives a different rate.
In FY2025, mainly in Q4 ending March 2025, Equitas Small Finance Bank saw good growth in deposits. The bank’s total deposits crossed ₹35,000 crore during this period. Fixed deposits helped a lot in this growth. Even though the bank has not shown FD numbers separately in the investor presentation, it is clear that FD inflow supported the overall deposit increase.
Updated Dates:
- Equitas Small Finance Bank updated its FD rates on 03 November 2025 for retail deposits.
- FCNR FD rates were updated on 08 January 2026.
- Bulk FD rates were issued separately on 29 January 2026 and were valid only for that date.
Equitas Regular FD Interest Rate Chart – 2026
This is the current active chart for you. These are regular fixed deposits opened by resident individuals, families, and senior citizens.
| Tenure | Interest Rate | Annualised Yield |
|---|---|---|
| 7 – 14 days | 3.50% | 3.50% |
| 15 – 29 days | 3.50% | 3.50% |
| 30 – 45 days | 4.00% | 4.00% |
| 46 – 62 days | 4.50% | 4.50% |
| 63 – 90 days | 4.75% | 4.75% |
| 91 – 120 days | 5.25% | 5.25% |
| 121 – 180 days | 5.25% | 5.25% |
| 181 – 210 days | 6.35% | 6.45% |
| 211 – 270 days | 6.35% | 6.45% |
| 271 – 364 days | 6.35% | 6.45% |
| 1 year – 443 days | 7.00% | 7.19% |
| 444 days | 7.10% | 7.29% |
| 777 days | 7.10% | 7.29% |
| 888 days | 7.30% | 7.50% |
| 3 years – 10 years | 7.00% | 7.19% |
Special Tenure & Scheme Note (Important)
The above FD rates are normal card rates for deposits below ₹3 crore. But Equitas Small Finance Bank also runs some special tenure FD schemes, where interest is a little higher if you choose that exact period.
These special tenures are not automatic. If FD is booked for even one day more or less, then the special rate will not apply, and the normal card rate will be given.
Special Tenures Available Under This Rate Chart
| # | Special Tenure | Interest Rate |
|---|---|---|
| 1 | 444 days (Highest in lower tenure) | 7.10% |
| 2 | 777 days (Another special, 2.12 years) | 7.10% |
| 3 | Special scheme for 888 days around 2.43 years (Note – You can book without a savings account and visiting a branch) | 7.30% |
In most banks, the highest FD interest comes only when you lock money for 3 to 5 years. But Equitas works a little differently. Here, mid-term FDs give better value. You don’t need to block your money for a very long time. Because of this, liquidity risk stays lower compared to 5 or even 10-year FDs.
This is very useful for senior citizens who don’t like long lock-ins. Also good for families who have some expenses planned in the next 2–3 years. And for people who want flexibility, not just maximum tenure.
Senior Citizen Fixed Deposit Interest Rates – Equitas Regular FD
Applicable for amounts below ₹3 crore from 03 November 2025.
| Tenure | Senior Citizen Rate |
|---|---|
| 7 – 14 days | 4.00% |
| 15 – 29 days | 4.00% |
| 30 – 45 days | 4.50% |
| 46 – 62 days | 5.00% |
| 63 – 90 days | 5.25% |
| 91 – 120 days | 5.75% |
| 121 – 180 days | 5.75% |
| 181 – 210 days | 6.85% |
| 211 – 270 days | 6.85% |
| 271 – 364 days | 6.85% |
| 1 year – 443 days | 7.50% |
| 444 days (Special) | 7.60% |
| 445 days – 18 months | 7.50% |
| 18 months 1 day – 2 years | 7.50% |
| 2 years 1 day – 776 days | 7.50% |
| 777 days (Special) | 7.60% |
| 778 days – 887 days | 7.50% |
| 888 days (Special) | 7.80% |
| 889 days – 3 years | 7.50% |
| 3 years 1 day – 4 years | 7.50% |
| 4 years 1 day – 5 years | 7.50% |
| 5 years 1 day – 10 years | 7.50% |
Notes for Readers
- Senior citizens get an extra +0.50% interest over normal FD rates
- This benefit is only for resident senior citizens aged 60 years and above
- Senior citizen benefit is not available on NRE or NRO FDs
- For Older people, these special tenures like 444, 777, and 888 days give the highest returns
- Interest looks higher because it is compounded quarterly, not yearly
Easemoney Insight: For senior citizens, the 888-day FD gives a good balance. Interest is higher than many long-term FDs, but money is not locked for 5 to 10 years.
Key Features of Equitas Fixed Deposits
Before checking different FD types, these are some common features you will find in most Equitas retail FDs:
- Minimum FD amount starts from ₹1,000
- FD can be opened in a single name or a joint name
- Interest can be taken monthly, quarterly, or as a cumulative amount
- You can choose maturity instruction to auto-renew both principal and interest, or only renew the principal amount.
- Auto-renewal facility is available
- Nomination facility is allowed
- A loan or overdraft can be taken against the FD
- Partial and full premature withdrawal allowed
- The bank allows premature withdrawal of FDs, and there is no penalty for withdrawals after six months.
- Deposits are insured up to ₹5 lakh under DICGC. It is an RBI subsidiary.
Ground Reality: In district towns and semi-urban areas, most people choose cumulative FD. They keep it for future needs like children’s marriage, education, or house repair.
Different types of Fixed Deposit for Regular Customers (Resident Indians)
Equitas offers more than one FD option even for resident customers. These are made for different needs, not only for different interest rates.
1. Regular Fixed Deposit (Resident FD)
This is the regular FD scheme that most resident customers use. It is open for all individuals and comes with flexible period options, starting from 7 days and going up to 10 years. Interest can be taken monthly, quarterly, yearly, or kept as cumulative. If you break the FD after 6 months, no penalty is charged.
- Who should go for this: This FD is commonly used by salaried people, small shop or business owners, and retired staff from PSU or private companies.
- Benefit: If you want a simple FD with full branch support and freedom to choose tenure, this is the safest and most common option.
Note: Interest rates for this scheme follow the normal FD rate chart shown above.
2. Selfie Fixed Deposit (Digital FD Without Savings Account)
Selfie FD is a separate digital FD option for people who don’t want to open a savings account. This FD can be opened fully online in around 3 minutes using only Aadhaar and PAN. No branch visit is needed because Video KYC is done online.
This FD is mainly useful for people who already have accounts in other banks but want to invest in Equitas FD for better returns only. Minimum deposit for Selfie FD starts from ₹50,000.
Selfie FD – Special Tenure Interest Rate (888 Days):
- Resident individual: 7.30%
- Senior citizen: 7.80%
Note – This minimum deposit of Rs. 50k is information collected from the official Digital FD page by Equitas.
3. Tax Saver Fixed Deposit
Equitas Tax Saver Fixed Deposit is meant for people who want to save tax under Section 80C of the Income Tax Act. In this FD, money is locked for 5 years. You can claim a tax benefit on investment up to ₹1.5 lakh.
In this scheme, premature withdrawal is not allowed, and you cannot take a loan or overdraft against this FD.
Different types of Fixed Deposit for NRI Customers
For NRIs, Equitas does not have just one FD option. It offers three different deposit types, based on where the money comes from and how the funds will be used.
1. NRE Fixed Deposit – Tax-Free FD
NRE Fixed Deposit is for money earned outside India. This FD can be opened online. Interest earned is tax-free in India. For 888 days, the interest goes up to 7.30% per year. You can choose the FD period from 1 to 10 years. There is no penalty if you close the FD early. Interest can be taken quarterly or added back to the FD, as you prefer.
Key Points
- Interest is tax-free in India
- Fully repatriable
- Minimum tenure: 1 year
- No senior citizen benefit
NRE FD Interest Rates here –
| Tenure | Interest Rate |
|---|---|
| 1 year – 443 days | 7.00% |
| 444 days | 7.10% |
| 777 days | 7.10% |
| 888 days | 7.30% |
| 3 – 10 years | 7.00% |
2. NRO Fixed Deposit
NRO Fixed Deposit is for income earned in India. You can open this FD to earn good interest on your India-based funds.
NRO FD is meant for –
- Rent
- Pension
- Dividend income
- Any income generated in India
Important Points –
- Interest is taxable
- 31.2% TDS applicable
- Senior citizen benefit not available
- Premature closure penalty: 1%
NRO FD Interest Snapshot –
| Tenure | Interest Rate |
|---|---|
| 7 – 14 days | 3.50% |
| 91 – 120 days | 5.25% |
| 181 – 364 days | 6.35% |
| 444 days | 7.10% |
| 888 days | 7.30% |
3. FCNR (B) Fixed Deposit – USD Deposit Without Forex Risk
FCNR (B) FD is for NRIs who want to keep money in foreign currency, mainly USD.
| Tenure | Interest Rate |
|---|---|
| 12 – 18 months | 5.30% |
| 18 – 36 months | 4.50% |
Key Conditions
- Penalty: 1% or swap cost (whichever is higher)
- Minimum tenure: 1 year
- No interest if closed before 12 months
- Partial withdrawal not allowed
Equitas Bulk Fixed Deposits – ₹3 Crore and Above
Equitas Small Finance Bank also offers bulk fixed deposits for single deposits of ₹3 crore and above. These bulk FDs have different interest rates compared to normal retail FDs.
Bulk deposits are of two types. Callable FD, where premature withdrawal is allowed but with a penalty. And a non-callable FD, where premature withdrawal is not allowed. The latest bulk FD rates can be checked in the bank’s official rate chart.
Non-Callable Bulk FD (No Premature Withdrawal)
| Tenure | Highest Rate |
|---|---|
| 12 – 18 months | Up to 7.70% |
| 36 months & above | 6.85% |
Callable Bulk FD (Premature Withdrawal Allowed)
| Tenure | Highest Rate |
|---|---|
| 12 – 15 months | Up to 7.45% |
| 36 months & above | 6.00% |
These deposits are mostly used by corporates and large institutions.
How to Apply for Regular Fixed Deposit (Branch / Online)
Equitas 2.0 App Selfie Fixed Deposit (App-Based)
This FD is fully digital. No branch visit needed.
- Download Equitas 2.0 Mobile Banking App
- Enter basic details and verify with your mobile number
- Complete Video KYC with bank staff
- Choose your FD amount and tenure
- Add money and book the FD
- Download the FD receipt after booking
Branch Method (Most Common)
- Visit your nearest Equitas Bank branch
- Submit PAN, Aadhaar, and FD amount
- Select the FD period and interest payout option
- FD receipt is given immediately
Online Method (Enquiry Based)
- Visit the official FD page – https://equitas.bank.in/personal-banking/save/fixed-deposits/fixed-deposit/
- Click on Apply Now and fill basic details
- The bank team will contact you and guide you further
This method is useful if you want FD but prefer bank support.
Questions: FAQs
What is the Equitas Bank FD interest rate for 444 days?
Equitas Small Finance Bank offers around 7.10% p.a. for a 444-day FD (effective 03 November 2025). Senior citizens get 7.60% if booked for exact tenure.
What is the highest FD rate offered by Equitas Bank?
The highest Equitas FD rate is 7.30% for general customers and 7.80% for senior citizens, mainly available on 888-day special tenure deposits.
Do senior citizens get extra interest on Equitas FDs?
Yes, resident senior citizens (60+) get an additional 0.50% p.a. over regular FD rates. This benefit is not applicable on NRE or NRO fixed deposits.
Where can I download Equitas Bank FD rates PDF for senior citizens?
You can download the official Equitas FD rates PDF from the bank’s website under the Fixed Deposit section, which includes separate rates for senior citizens.
How can I calculate Equitas FD maturity amount online?
You can use the Equitas FD calculator. Enter deposit amount, tenure, and interest rate to check maturity value, including the benefit of quarterly compounding.
Are Equitas FD rates same for deposits above ₹3 crore?
No. Deposits above ₹3 crore are treated as bulk FDs and follow a separate interest rate structure, different from standard retail FD rates.
Who should invest in Equitas special tenure FDs?
Senior citizens, families planning expenses in 2–3 years, and investors who want better returns without long lock-in should consider Equitas special tenure FDs.
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