Equitas Small Finance Bank
It's Fun Banking
Headquarters: Chennai, Tamil Nadu
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from Equitas SFB's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| Equitas Selfe FD (3 Years) | 7.75% p.a. | 7.75% – 8.50% | Card Rate | Calculate EMI→ |
| Equitas Recurring Deposit (3 Years) | 7.75% p.a. | 7.75% – 8.25% | Card Rate | Calculate EMI→ |
| Equitas Affordable Housing Loan | 8.99% p.a. | 8.99% – 14.00% | Equitas Base Rate | Calculate EMI→ |
| Equitas Commercial / Passenger Vehicle Loan | 9.25% p.a. | 9.25% – 13.50% | Card Rate | Calculate EMI→ |
| Equitas Used Vehicle Loan | 11.50% p.a. | 11.50% – 15.50% | Card Rate | Calculate EMI→ |
| Equitas Micro Personal Loan | 12.50% p.a. | 12.50% – 18.00% | Card Rate | Calculate EMI→ |
| Equitas Gold Loan | 9.90% p.a. | 9.90% – 15.00% | Card Rate | Calculate EMI→ |
Equitas SFB Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified Equitas SFB rates
Equitas SFB FD Calculator
Calculate term deposit returns with Equitas Small Finance Bank Selfe FD. Equitas SFB offers paperless digital FD booking within 3 minutes without requiring a savings account, featuring prominent tenure buckets like 444 days and 888 days.
Equitas SFB RD Calculator
Build a disciplined monthly wealth fund with Equitas Small Finance Bank Recurring Deposits. Enjoy quarterly compounding interest with flexible monthly instalments starting at ₹500.
Equitas SFB Home Loan EMI Calculator
Estimate your monthly instalment and loan repayment schedule for an Equitas Affordable Housing Loan. Equitas SFB specializes in providing micro-mortgages and affordable housing finance for self-employed individuals with informal income proof.
Equitas SFB Car Loan EMI Calculator
Calculate monthly EMIs for financing passenger cars and commercial vehicles through Equitas Small Finance Bank.
Equitas SFB Used Car Loan EMI Calculator
Calculate monthly instalments on second-hand vehicle financing through Equitas Small Finance Bank.
Equitas SFB Personal Loan EMI Calculator
Estimate monthly instalments on Equitas Small Finance Bank Personal Loans designed for salaried professionals and micro-entrepreneurs.
Equitas SFB Gold Loan Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Equitas Small Finance Bank.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for Equitas Small Finance Bank
7.75% p.a.
7.75% – 8.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 8.25% p.a.Applicable Conditions & Eligibility Factors:
- Digital instant booking without branch visit
- Senior citizen 50 bps extra
- Special 444-day bucket at 8.00%
Source: Equitas SFB Fixed Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.7.75% p.a.
7.75% – 8.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 8.25% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Minimum deposit ₹500 per month
Source: Equitas SFB Recurring Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.99% p.a.
8.99% – 14.00% p.a.
floating RateEquitas Base Rate
Applicable Conditions & Eligibility Factors:
- Tailored for informal and self-employed income earners
- Tenures up to 25 years
Source: Equitas SFB Housing Finance Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.9.25% p.a.
9.25% – 13.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Financing for new passenger vehicles and small commercial vehicles
- Tenures up to 5 years
Source: Equitas Vehicle Finance Portal
Rates subject to borrower risk-grade & RBI regulatory changes.11.50% p.a.
11.50% – 15.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Financing up to 80% of vehicle valuation
- Fast local valuation
Source: Equitas Used Car Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.12.50% p.a.
12.50% – 18.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Tailored for small business owners and salaried individuals
- Up to ₹10 Lakh quantum
Source: Equitas Personal Loan Terms
Rates subject to borrower risk-grade & RBI regulatory changes.9.90% p.a.
9.90% – 15.00% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Disbursal against hallmarked jewellery up to statutory 75% LTV
- Tenures up to 24 months
Source: Equitas Gold Loan Rates & Notices
Rates subject to borrower risk-grade & RBI regulatory changes.About Equitas Small Finance Bank
Equitas Small Finance Bank offers competitive term deposit interest rates and micro-finance services across India.
Frequently Asked Questions: Equitas SFB
- Where to check Equitas SFB rates?
- Visit equitasbank.com under 'Interest Rates'.