ESAF Small Finance Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 17 August 2026. Deposits below ₹3 crore.
ESAF Small Finance Bank pays its best rate among these terms on 2 years: 7.75%, or 8.25% for senior citizens. That ranks 1st of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).
ESAF SFB FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 6 months 1 day to 12 months | 6.00% | 6.50% | ₹5,30,682 | 31st of 33 |
| 2 years Slab: 24 months to 799 days | 7.75% | 8.25% | ₹5,82,964 | 1st of 33 |
| 3 years Slab: 36 months to less than 60 months | 6.00% | 6.50% | ₹5,97,809 | 30th of 33 |
| 5 years Slab: 60 months up to 120 months | 5.75% | 6.25% | ₹6,65,182 | 31st of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: ESAF Small Finance Bank deposit rates. Each rate is the slab that contains that exact term.
How ESAF SFB compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.25 percentage points more. On ₹5 lakh that is ₹6,566 extra.
- 2 years: ESAF SFB pays the highest rate we track.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 2.00 percentage points more. On ₹5 lakh that is ₹36,312 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 2.02 percentage points more. On ₹5 lakh that is ₹69,459 extra.
Similar banks: Utkarsh Small Finance Bank (7.50% for 2 years), Ujjivan Small Finance Bank (7.45% for 2 years), Jana Small Finance Bank (7.30% for 2 years), AU Small Finance Bank (7.00% for 2 years).
Amounts at ESAF SFB
- ₹1 lakh for 2 years at 7.75% becomes ₹1,16,593.
- ₹10 lakh for 2 years at 7.75% becomes ₹11,65,928.
Questions people ask
What is the ESAF SFB FD rate for 1 year?
ESAF Small Finance Bank pays 6.00% a year on a 1-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹5,30,682. The slab is "6 months 1 day to 12 months".
What is the ESAF SFB FD rate for 2 years?
ESAF Small Finance Bank pays 7.75% a year on a 2-year deposit below ₹3 crore (8.25% for senior citizens). ₹5 lakh grows to ₹5,82,964. The slab is "24 months to 799 days".
What is the ESAF SFB FD rate for 3 years?
ESAF Small Finance Bank pays 6.00% a year on a 3-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹5,97,809. The slab is "36 months to less than 60 months".
What is the ESAF SFB FD rate for 5 years?
ESAF Small Finance Bank pays 5.75% a year on a 5-year deposit below ₹3 crore (6.25% for senior citizens). ₹5 lakh grows to ₹6,65,182. The slab is "60 months up to 120 months".
Is money in a ESAF SFB FD safe?
ESAF Small Finance Bank is a small finance bank bank licensed by the RBI. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate