Continue reading for the latest Capital Small Finance Bank FD rates, eligibility, benefits, and everything you need to make a smarter investment decision.

Term-wise Capital Small Finance Bank FD Rates

Capital Small Finance Bank offers fixed deposits for multiple tenures, i.e., short term, mid term, and long term. Here are the details for your reference:

• Short Term FD: You can book an FD with Capital Small Finance Bank starting from 15 days going up to one year with interest rates ranging between 3.50% and 5.50% for regular citizens. Senior citizens get between 4.00% and 6.00%.
• Medium Term FD: You can book an FD for 1 year to less than 5 years with interest rates being 7.00% to 7.25% for general citizens and 7.50%%  to 7.75% for senior citizens.
• Long Term FD: You have the option to book an FD for above 5 years with interest rates being 7.00% for general citizens and 7.50% for senior citizens.

Check Capital Small Finance Bank FD Rates for Senior Citizens Here.

Benefits of Capital Small Finance Bank Fixed Deposit Rate

Backed by RBI Regulation and DICGC Insurance: Capital Small Finance Bank is a scheduled bank regulated by the Reserve Bank of India, and deposits are insured by DICGC up to ₹5 lakh per depositor the same protection you'd get at any large public or private bank, giving you institutional safety alongside the higher rate.

Higher Interest Rates: As a small finance bank, Capital Small Finance Bank can offer rates well above what most large banks pay on comparable tenures, and if you're investing a larger sum and don't need premature withdrawal, its non-callable deposits push that further still, up to 8.25% for senior citizens.

Flexible payout options: You're not locked into one payout structure. Opt for quarterly compounding to let your interest grow on itself, or pick a monthly or quarterly payout if you'd rather draw a regular income from your deposit.

Nomination Facility: You can nominate a beneficiary at the time of opening the FD, so in the unfortunate event of your passing, the proceeds are transferred to your nominee without unnecessary delay or complication.

Flexible Tenures: With options running from 15 days to 10 years, with special tenures at 400, 600, and 900 days, you can choose your FD as per your goal instead of settling for a generic 1-year or 5-year. 

Eligibility to Avail Capital Small Finance Bank Fixed Deposit Rates

Capital Small Finance Bank keeps its FD scheme accessible to a broad range of depositors. You're eligible if you fall into any of these categories:

• Resident individuals, either singly or jointly
• Minors, through a parent or legal guardian
• Hindu Undivided Families (HUFs)
• Partnership firms and companies
• Trusts and other eligible entities
• Non-Resident Indians, through the bank's NRE or NRO deposit schemes

Documents Required to Avail Capital Small Finance Bank Fixed Deposit Rates

• PAN card
• Aadhaar card or another accepted address proof (voter ID, passport, driving licence)
• A recent passport-size photograph
• Additional entity-specific documents (partnership deed, company incorporation certificate, trust deed, etc.) if opening on behalf of a firm, company, or trust

Premature Withdrawal of Capital Small Finance Bank Fixed Deposit

Small Finance Bank allows premature withdrawal of fixed deposits; however, a penalty applies to the effective interest rate. The penalty for FDs is typically 1%, and after the penalty is applied, the bank credits the principal and the revised interest to the linked bank account.

Tax on Capital Small Finance Bank Fixed Deposit Interest

Interest earned on a Capital Small Finance Bank FD is fully taxable, added to your total income and taxed at your applicable income tax slab rate. The bank deducts TDS once your annual interest income crosses the prescribed threshold, currently ₹50,000 for regular depositors and ₹1,00,000 for senior citizens under Section 194A. 

If your total income falls below the taxable limit, you can submit Form 15G (or Form 15H for senior citizens) to avoid TDS deduction. The Tax Saver FD is the exception worth noting separately; it lets you claim a deduction on the invested amount itself under Section 80C, in addition to the interest still being taxable at maturity. 

Capital Small Finance Bank FD Calculator

You can calculate returns on your Capital Small Finance Bank fixed deposit just by entering your principal amount, interest rate, tenure, and citizen type in the Capital Small Finance Bank FD calculator below:

How to Open Capital Small Finance Bank FD in 2026 Online & Offline

You have three straightforward ways to open an FD with Capital Small Finance Bank:

Open an FD Online 

• Log in to the bank's internet banking portal or its mobile banking app
• Navigate to the fixed deposit section 
• Choose your investment amount and tenure
• Add nominee details, and confirm.
• The deposit amount is debited from your linked savings account, and the FD is booked instantly.

Open an FD At a Branch 

• Visit your nearest Capital Small Finance Bank branch 
• Carry your KYC documents 
• Fill out the FD application form
• A bank representative will help you complete the booking and issue your deposit receipt.

Compare Capital Small Finance Bank FD Interest Rates with Other Banks

Why Should You Book an FD with Stable Money?

Booking your fixed deposit through Stable Money gives you access to some of the best FD rates available across our partner banks and NBFCs, often higher than what you'd find going directly to a single bank. You can open a fixed deposit with no need for a new savings account just to book an FD with any of our partner institutions.

Every FD booked through Stable Money is protected under the Deposit Insurance and Credit Guarantee Corporation (DICGC), up to ₹5 lakh per depositor per bank, in line with Reserve Bank of India (RBI) guidelines. Once your FD is booked, you'll get a proper FD certificate, so you have a clear, transparent record of your investment from day one.