3 weeks ago
Capital SFB CEO on new RBI fixed deposit pricing rules
Banks are like big piggy banks where grown-ups keep their money.
When you put money in a bank, the bank promises to give it back later with a little extra called interest.
In India, a group called the RBI is the boss of all banks.
The RBI made new rules about how banks set interest rates on fixed deposits, starting October 1.
One bank, Capital Small Finance Bank, says the new rules will not change much for it.
That is because it already offers the same rates everywhere and does not fight with other banks by raising rates.
This bank mostly gets money from regular people, not big companies.
It also keeps much more spare money saved than the rules require.
The new rules should make it easier for people to compare rates at different banks, like comparing prices at different shops.
Capital Small Finance Bank CEO Samra said the RBI's uniform deposit pricing requirement, effective October 1, will not materially affect the bank, which has never used differentiated pricing across branches or geographies.
The bank says it does not enter price wars for deposits; its average deposit ticket size is around ₹1.47 lakh and CASA accounted for 36.7% of deposits as of June 30, 2026.
Retail deposits made up 91.1% of the bank's total deposits, and its liquidity coverage ratio stood above 180%, against a regulatory requirement of 100%.
Samra expects the revised framework to bring greater discipline, transparency, and comparability to deposit pricing across the banking industry.
The RBI also gave banks more flexibility in pricing bulk deposits under the liquidity coverage ratio framework and requires bulk deposit rates to be published every business day.
- Who
- Samra, CEO of Capital Small Finance Bank, commenting on new rules set by the Reserve Bank of India (RBI).
- What
- The RBI's new fixed deposit pricing and disclosure framework, including uniform retail deposit pricing, greater flexibility for bulk deposits, and daily publication of bulk deposit rates.
- Where
- India's banking sector, covering banks regulated by the RBI.
- When
- The new rules take effect October 1; the bank's figures cited are as of June 30, 2026, and branch data as of Q1FY27.
- Why
- The RBI aims to bring more transparency, discipline, and comparability to deposit pricing; Capital SFB says the framework reinforces its strategy of stable pricing, granular retail deposits, and customer relationships rather than rate-led competition.
Key facts
- Bank
- Capital Small Finance Bank
- Regulator
- Reserve Bank of India (RBI)
- New rules effective
- October 1
- Average deposit ticket size
- Around ₹1.47 lakh
- CASA share of deposits (June 30, 2026)
- 36.7%
- Retail deposits share
- 91.1% of total deposits
- Liquidity coverage ratio
- Above 180% (regulatory requirement: 100%)
- Branch network (Q1FY27)
- 216 branches, up from 47 as a Local Area Bank
Quotes
S. Samra
CEO of Capital Small Finance Bank
“"We are fundamentally a retail franchise bank."”
businesstoday.in
Sources
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