Equitas Small Finance Bank FD Calculator
Estimate the maturity value and interest on a fixed deposit with Equitas Small Finance Bank. Adjust the amount, rate, tenure and compounding to match Equitas Small Finance Bank's current FD terms.
Simple mode
Quick estimate, sensible defaults
Maturity value
₹1,41,478
Effective annualized yield
8.30%
“FD: Because sleep is better when your money sits still and steady.”
Simple Mode uses quarterly compounding, the norm for Indian bank FDs. Switch to Advanced Mode for investments above ₹10L, a different compounding frequency, and more control.
Top FD interest rates right now (compare against Equitas Small Finance Bank)
See all bank rates →#1Suryoday Small Finance Bank
Bank's interest-rate page ↗Duration
30 months
Regular
8.10%
Yield* 8.88%
Sr. Citizen
8.25%
Yield* 9.06%
#2Jana Small Finance Bank
Bank's interest-rate page ↗Duration
36 months
Regular
8.00%
Yield* 8.94%
Sr. Citizen
8.30%
Yield* 9.32%
#3Equitas Small Finance Bank
Bank's interest-rate page ↗Duration
888 days
Regular
7.75%
Yield* 8.44%
Sr. Citizen
8.25%
Yield* 9.03%
Rates updated as of 14 Jul 2026 · p.a. · *Annualized yield assumes quarterly compounding over the shown tenure (1 year if unspecified). Confirm with the bank before investing.
FD tips
- Compare Equitas Small Finance Bank's FD rate against the top-rate table above before committing.
- Ladder your FDs across tenures so some mature each year and you keep flexibility.
- Factor in tax on interest — your post-tax return can be lower than the headline rate.
- Building a smaller amount every month instead? See the Equitas Small Finance Bank RD Calculator.
How it's calculated
A cumulative FD compounds interest each period and pays it at maturity. The maturity value is:
M = P × (1 + i/n)n·t
where P is the principal, i is the annual interest rate (as a decimal), n is the number of compounding periods per year (4 for quarterly — the most common convention for Indian bank FDs, including Equitas Small Finance Bank), and t is the tenure in years. Set the rate slider to Equitas Small Finance Bank's currently advertised FD rate for an accurate estimate — we don't hardcode a single bank's rate into the calculator itself.
Example
A ₹1,00,000 deposit at 7% for 5 years, compounded quarterly, grows to roughly ₹1,41,478 — an interest earning of about ₹41,478. Swap in Equitas Small Finance Bank's currently advertised rate above for an exact figure.
About Equitas Small Finance Bank
Equitas Small Finance Bank is a small finance bank, founded in 2016, with a network concentrated in southern India with expanding reach. Like every scheduled bank operating in India, deposits with Equitas Small Finance Bank are covered by DICGC insurance up to the current per-depositor limit.
How it works
This calculator uses the same maturity-value formula as our general FD Calculator — Equitas Small Finance Bank doesn't use a different compounding convention from any other Indian bank. Enter Equitas Small Finance Bank's currently advertised rate (check their official rates page) and your deposit amount and tenure to see the projected maturity value.
How to use it
- Set your deposit amount and the tenure you're considering.
- Set Equitas Small Finance Bank's current FD rate for that tenure — quarterly compounding is the default, matching standard Indian bank practice.
- Compare the result against the rate table below to see how Equitas Small Finance Bank stacks up against other banks.
Important caveats
- We don't hardcode Equitas Small Finance Bank's specific rate into this calculator — rates change, so always check Equitas Small Finance Bank's official rates page before relying on a figure.
- FD interest is fully taxable at your income slab rate — the maturity value shown is pre-tax.
- Breaking an FD before maturity usually reduces your effective return via a penalty — this calculator assumes the FD runs its full chosen tenure.
Benefits of an FD with Equitas Small Finance Bank
- DICGC-insured principal and interest, like any other scheduled Indian bank.
- Fixed, predictable returns unaffected by market movements.
- Equitas Small Finance Bank's A network concentrated in southern India with expanding reach, useful if you prefer in-branch service.
FD rates — top banks (including Equitas Small Finance Bank)
Rates updated as of 14 Jul 2026
| Bank | Rate (p.a.) | Tenure | Notes |
|---|---|---|---|
| Suryoday Small Finance Bank | 8.10% | 30 months | Top Highest Interest rate from March 29, 2026 |
| Jana Small Finance Bank | 8.00% | 36 months | Effective from 23rd June 2026 |
| Equitas Small Finance Bank | 7.75% | 888 days | Peak advertised rate; varies by tenure |
Frequently asked questions
Is my FD with Equitas Small Finance Bank insured?
Yes. Equitas Small Finance Bank, like every DICGC-insured bank operating in India, has deposits covered up to the current DICGC limit per depositor per bank — the same protection that applies to any other bank on our platform, regardless of whether it's a PSU, private, or small finance bank.
Does Equitas Small Finance Bank offer a senior citizen FD rate premium?
Most Indian banks, including Equitas Small Finance Bank, offer a modest additional interest rate for senior citizens on fixed deposits. We don't display bank-specific senior rates on this page — check Equitas Small Finance Bank's current published rates directly, or use the rate slider above to model a higher rate if you know your senior citizen premium.
How do I open an FD with Equitas Small Finance Bank?
Equitas Small Finance Bank, founded in 2016, offers fixed deposit accounts through its branch network, net banking, and mobile app, like most Indian banks. Use this calculator to work out the numbers first, then open the account directly with Equitas Small Finance Bank — we don't process deposits or applications ourselves.
Learn more from official sources
- Reserve Bank of India (RBI) — regulator for Indian banks, including Equitas Small Finance Bank.
- DICGC — deposit insurance covering Equitas Small Finance Bank and every other DICGC-member bank.
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