DCB Bank, ESAF SFB, And Capital SFB Revise FD Rates, Seniors Can Avail Of Up To 8.25 Per Cent

Three banks revised fixed deposit rates during the week ending on May 3, 2026. Senior citizens (60 years and above) can avail of up to 8.25 per cent after this revision. While the stock market remains volatile, fixed-income instruments provide much-needed stability, especially in old age. Here are the revised rates of interest of FDs in these three banks (DCB Bank, ESAF Small Finance Bank (SFB), and Capital SFB).

DCB Bank

DCB Bank revised its FD interest rates on May 2, 2026. The bank hiked the highest rate by up to 25 basis points (bps) from its previous revision in March 2026. Now, senior citizens can avail of a maximum of 7.85 per cent and up to 7.95 per cent for those aged 70 years and above. Here are the details:

• 7.15 per cent for 12 months to less than 15 months
• 7.50 per cent for 15 months to less than 16 months
• 7.15 per cent for 16 months to less than 24 months
• 7.85 per cent for 24 months to less than 25 months (7.95 per cent for seniors aged 70 and above)
• 7.15 per cent for 25 months to less than 27 months
• 7.25 per cent for 27 months to less than 34 months
• 7.85 per cent for 34 months to less than 35 months (7.95 per cent for seniors aged 70 and above)
• 7.25 per cent for 35 months to less than 37 months
• 7.60 per cent for 37 months to 38 months
• 7.25 per cent for more than 38 months to less than 60 months
• 7.85 per cent for more than 60 months to 61 months (7.95 per cent for seniors aged 70 and above)
• 7.25 per cent for more than 61 months to 120 months

ESAF Small Finance Bank

ESAF SFB revised FD rates on May 1, 2026, offering a maximum of 8.25 per cent to senior citizens. The revised FD rates for seniors are:

• 5.25 per cent for 183 days to one year
• 7.75 per cent for one year, one day to 500 days
• 8.00 per cent for 501 days
• 7.75 per cent for 502 days to less than two years
• 8.25 per cent for two years to less than three years
• 6.50 per cent for three years to less than five years
• 6.25 per cent for five years to 10 years

Capital Small Finance Bank

Seniors can receive the highest 7.65 per cent in Capital SFB’s FDs. Effective April 29, 2026, the FD rates for seniors are:

• 7.40 per cent for one year to less than five years
• 7.30 per cent for five years to 10 years

Special category FD rates:

• 7.60 per cent for 12 months
• 7.50 per cent for 400 days
• 7.65 per cent for 600 days
• 7.55 per cent for 900 days

All these interest rates are for less than Rs 3 crore FD.