Our review of Shivalik Small Finance Bank: 1 product rated against every other provider we track, with the rates, the fees and what they cost you in rupees. It is a small finance bank, and the one product we hold a dated rate for is its fixed deposit.
The bank
| Type | Small finance bank (SFB) |
|---|---|
| Credsir rating | 3.8 out of 5, across 1 product rated |
| Best for | Savers who want a large-balance-sheet bank for a deposit, and are willing to give up rate for it |
| What it does well | Fixed deposit rate is joint third best of the 12 providers we track — 0.25 pts off the best |
Updated 2 October 2026
Shivalik Small Finance Bank products, rated
We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full.
Fixed deposit
Rated 3.8 out of 5 on our published formula. The rate runs up to 8.00% for a regular customer and 8.25% for senior citizens, on tenures of 23 months 1 day to 27 months, which ranks it joint #3 of the 12 providers we track. The full fixed deposit breakdown carries the terms, and the wider table is on best FD rates.
Rates and fees
| Product | Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|---|
| Fixed deposit | 8.00% | — | 8.25% for senior citizens | 23 months 1 day to 27 months |
Checked at source 2 Oct 2026 · Shivalik Small Finance Bank’s rate cards and published comparisons, across 1 product
A headline rate is only half the answer on a deposit. Interest is taxed at your slab, and DICGC cover is ₹5 lakh per person per bank — the FD maturity calculator shows what a given amount and tenure actually returns.
How we rated this bank
We take no money for ratings, and no bank can influence one. Every score below is simple maths on a dated rate table. Change the table and the score moves by itself. Read the full method.
| Products rated | 1 — every product we hold a dated rate for at Shivalik Small Finance Bank, each one scored on its own |
|---|---|
| Competitor rates compared | 12 |
| Paid for this rating | ₹0. No bank can buy, change or even see a Credsir score before you do. The formula has no input for it. |
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