ESAF Small Finance Bank
Today's rate picture across the 2 products Capera tracks for ESAF Small Finance Bank. Each is ranked against every other Indian bank in the same universe.
Fixed deposits
FD rates
6.00%
1-year retail rate
Best 8.00% · 800 days
#8of 9We rank every bank by its 1-year retail FD rate (under ₹3 crore), within its own category. Higher = better for the depositor. Updated daily from each bank's published rate card.
among Small Finance Banks
View full slab structure
Foreign exchange
FX rates
₹4.75
USD spread (TT)
5.02% of mid · 92.29 / 97.04
#29of 34We rank every bank by its USD buy-sell spread on the TT (telegraphic transfer) channel, the tightest forex channel. The spread is the difference between the bank's buy and sell quote in rupees per US dollar. Lower = better for the buyer. Same trade can cost 10× more at the widest bank.
by USD-TT spread
View full currency matrix
Lending
Not tracked
ESAF Small Finance Bank doesn't publish an EBLR/MCLR table we ingest yet.
All rates refreshed daily from each bank's published rate card. See individual product pages for full slab structure, history, and head-to-head comparisons.
Debt capital markets
ESAF Small Finance Bank in the bond market
We track 11 outstanding instruments for ESAF Small Finance Bank, across bonds, certificates of deposit and commercial paper, spanning the full maturity spectrum.
Deposit curve, with bonds overlaid
The blue line is ESAF Small Finance Bank’s published retail FD rate, stepped because a deposit rate is fixed within each tenor band and changes only at the boundary. Each amber dot is one of ESAF Small Finance Bank’s own bonds, drawn at its exact time left to maturity and its latest traded yield. Deposits and bonds are not like-for-like; see the note below the chart.What ESAF Small Finance Bank credit yields, from a short deposit to its longest bond
How this is drawn. Retail rate for deposits under ₹3 crore, from ESAF Small Finance Bank’s published rate card. Fixed for the whole tenor you book, so the line is flat inside each band and steps at the boundary. The blue line is the bank’s retail deposit rate by tenor. The amber dots are the bank’s own bonds, each at its exact time left to maturity and its latest secondary-market traded yield The yield a buyer locks in at today’s market price, not the coupon. It is a traded level from the instrument registry, not an offer to transact, and it moves with the market..
These are not like-for-like, so read the shape, not a head-to-head. A deposit is covered by DICGC insurance up to ₹5 lakh and pays a fixed rate; a bond carries the issuer’s credit and market risk, is sold only in the secondary market, and is taxed differently. Bond yields also differ line to line on seniority, security cover, and call, put or step-up terms. Perpetual (AT1) and market-linked instruments are left out because they have no fixed maturity to place on the axis.
A dot’s yield is its last traded level. Bank bonds trade thinly, so a hollow dot has not traded recently and its level may be weeks old; hover any dot for the exact trade date. The deposit line is today’s published rate card.
Most recently traded
10.50%
Latest traded yieldThe latest secondary-market traded yield, the return a buyer locks in at today’s price, not the coupon. Not an offer to transact.
2.7y to maturity·matures May 2029
11.15%
Latest traded yieldThe latest secondary-market traded yield, the return a buyer locks in at today’s price, not the coupon. Not an offer to transact.
4.9y to maturity·matures July 2031
12.50%
Latest traded yieldThe latest secondary-market traded yield, the return a buyer locks in at today’s price, not the coupon. Not an offer to transact.
5.5y to maturity·matures February 2032
11.20%
Latest traded yieldThe latest secondary-market traded yield, the return a buyer locks in at today’s price, not the coupon. Not an offer to transact.
5.9y to maturity·matures July 2032
Yields are the latest secondary-market traded levels from the instrument registry, not an offer to transact. Coupon shown where no recent trade exists.
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