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Deposit rate ledger

Deposit Rate Updates & History

Track dated fixed-deposit and recurring-deposit rate snapshots from first-party Indian bank sources, including effective dates and preserved prior schedules when available.

Effective-date evidence

New deposit rates do not erase the schedule they replaced.

Every preserved snapshot keeps its product, effective date, observed date, comparison basis and direct bank source.

55preserved snapshots
53deposit products
September 14, 2026latest observation
Datedeffective-date history
Movement intelligence

Products with at least two preserved schedules.

A movement label uses only tenure anchors present in both schedules; missing bands are never inferred.

Schedule ledger

Current and preserved deposit-rate schedules.

The newest stored schedule can show movement versus the previous schedule where the same tenure exists in both.

ICICI Bank · observed September 14, 2026

ICICI Bank FCNR(B) Fixed Deposit

Currency-specific live FCNR(B) schedule; no single rate is normalized because ICICI prices by supported currency and tenure.

ICICI FCNR(B) product and current currency-specific rate schedule; maintained separately from INR tenure anchors.
Federal Bank · observed September 14, 2026

Federal Bank Rupee Plus

Market-linked forward premium + underlying FCNR return; no synthetic evergreen percentage is published by the engine.

Federal Rupee Plus product terms; forward premium is set from daily forward rates and therefore refresh/transaction specific.
Axis Bank · observed September 14, 2026

Axis Bank NRI-Pro Foreign Currency Deposit

Forward-cover NRE structure; live deposit and FX/forward quote controls, so no synthetic evergreen rate is stored.

Axis NRI-Pro Foreign Currency Deposit first-party product terms.
ICICI Bank · observed September 14, 2026

ICICI Bank NRE Recurring Deposit

Live ICICI NRI RD rate applies at booking; no incomplete rate table is normalized.

ICICI NRI recurring-deposit product page; exact current numeric rate remains booking/rate-page controlled.
ICICI Bank · observed September 14, 2026

ICICI Bank NRO Recurring Deposit

Live ICICI NRI RD rate applies at booking; no incomplete rate table is normalized.

ICICI NRI recurring-deposit product page; exact current numeric rate remains booking/rate-page controlled.
Axis Bank · observed September 14, 2026

Axis Bank NRE Recurring Deposit

Axis NRE RD live rate is refresh-gated; product terms and current rate page should control.

Axis NRE recurring-deposit page plus current RD rate resource; no unsupported NRI rate inheritance.
Axis Bank · observed September 14, 2026

Axis Bank NRO Recurring Deposit

Axis NRO RD live rate is refresh-gated; product terms and current rate page should control.

Axis NRO recurring-deposit page plus current RD rate resource; no unsupported NRI rate inheritance.
Federal Bank · observed September 14, 2026

Federal Bank Fed Flexi Smart SaverRD

Federal live NRI RD rate controls; product-specific flexibility is modeled separately from ordinary FSF rate anchors.

Federal Fed Flexi Smart SaverRD product page and 2026 deposit policy.
Federal Bank · observed September 14, 2026

Federal Bank Crorepati FSF

Federal live deposit-rate page controls; targeted maturity is not converted into an implied headline rate.

Federal Crorepati FSF first-party product page.
State Bank of India · observed September 14, 2026

SBI Tax Savings Scheme Fixed Deposit

Uses SBI’s prevailing Public/Senior Citizen term-deposit rate; exact current five-year numeric anchor is refresh-gated.

SBI Tax Savings Scheme first-party product page plus current retail domestic term-deposit rate resource; no stale numeric inheritance.
Bank of Baroda · observed September 14, 2026

Bank of Baroda bob Tax Saving Fixed Deposit

Uses Bank of Baroda’s prevailing fixed-deposit rate; exact current five-year numeric anchor is refresh-gated.

bob Tax Saving FD first-party page; current numeric five-year rate not inferred from promotional/special-tenure listings.
Axis Bank · observed September 14, 2026

Axis Bank NRE Rupee Deposit

NRE rates effective 8 Sep 2026; public key anchors below ₹3Cr: 1y–1y10d 6.25%, 18m–<2y 6.50%.

Axis NRI Fixed Deposit public key-rate table effective 8 September 2026; only explicitly rendered NRE anchors stored.
Axis Bank · observed September 14, 2026

Axis Bank NRO Rupee Deposit

Axis current NRI deposit schedule effective 8 Sep 2026; NRO product retained without inferred tenure anchors where the public key-rate table is NRE-specific.

Axis current NRI fixed-deposit rate resource plus NRO product terms; no reconstructed NRO rate curve.
Axis Bank · observed September 14, 2026

Axis Bank Tax Saver Fixed Deposit

Current Axis domestic schedule effective 8 Sep 2026; exact five-year tax-saver numeric row is refresh-gated.

Axis Tax Saver product page plus current domestic FD rate resource; no numeric rate inferred from calculator/promotional displays.
Axis Bank · observed September 14, 2026

Axis Bank FCNR(B) Deposit

Axis FCNR/RFC schedule effective 4 Sep 2026; currency-specific rate table is refresh-gated until the complete first-party table is captured.

Axis FCNR(B) product page plus current rate-hub effective date; no incomplete currency table normalized.
ICICI Bank · observed September 14, 2026

ICICI Bank Tax Saver Fixed Deposit

Exact five-year tax-saver falls in ICICI’s 3Y1D–5Y band: 6.50% general / 7.10% senior under the schedule effective 4 Sep 2026.

ICICI Tax Saver FD is exactly five years; current domestic FD schedule effective 4 September 2026.
AU Small Finance Bank · observed September 14, 2026

AU Small Finance Bank Regular Fixed Deposit

Retail <₹3Cr: reviewed peak 7.40% general and 7.90% senior in the applicable band.

AU Small Finance Bank regular callable retail fixed-deposit schedule.
HDFC Bank · observed September 14, 2026

HDFC Bank FCNR(B) Deposit

FCNR(B) currency table effective 1 Sep 2026; 1y–<2y includes USD 3.80%, GBP 3.75%, EUR 2.15%, JPY 0.80%, AUD 4.15%, CAD 2.15%, SGD 1.05%.

HDFC FCNR(B) currency-specific schedule effective 1 September 2026; rates are not normalized into the INR FD finder.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank FCNR(B) Deposit

FCNR(B) effective 1 Sep 2026; 1y–<2y lower-value table: USD 4.00%, GBP 4.00%, EUR 2.55%, AUD 4.35%, SGD 1.25%.

Kotak FCNR(B) currency schedule effective 1 September 2026; USD values stored from the <0.5 million band and foreign-currency rates kept outside INR finder.
Axis Bank · observed September 14, 2026

Axis Bank NRI Fixed Deposit Plus

Axis rate hub identifies NRI Fixed Deposits Plus as effective 26 Aug 2026; exact large-deposit NRE/NRO band is refresh-gated rather than guessed.

Axis NRI Fixed Deposit Plus product page plus current rate-hub effective date; no stale March/April large-deposit table normalized as current.
HDFC Bank · observed September 14, 2026

HDFC Bank Fixed Deposit

Retail <₹3Cr effective 19 Aug 2026: general 2.75%–6.50%; eligible resident seniors 3.25%–7.10% across published tenures.

HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026.
HDFC Bank · observed September 14, 2026

HDFC Bank NRE Fixed Deposit

NRE <₹3Cr: 6.25% at 1 year; 6.45% across key mid-tenure bands; reviewed peak 6.50% in the current schedule.

HDFC Domestic/NRO/NRE callable fixed-deposit schedule below ₹3 crore effective 19 August 2026; NRI senior additions excluded.
HDFC Bank · observed September 14, 2026

HDFC Bank NRO Fixed Deposit

NRO <₹3Cr uses HDFC’s current Domestic/NRO/NRE callable schedule; reviewed general peak 6.50% in the applicable tenure band.

HDFC Domestic/NRO/NRE callable fixed-deposit schedule below ₹3 crore effective 19 August 2026; NRI senior additions excluded.
HDFC Bank · observed September 14, 2026

HDFC Bank NRE Recurring Deposit

Rates at par with HDFC NRE FD; current NRE tenure anchors preserved for like-for-like comparison.

HDFC NRE RD product states rates are at par with NRE Fixed Deposits; current NRE callable FD schedule is used for comparable anchors.
HDFC Bank · observed September 14, 2026

HDFC Bank NRO Recurring Deposit

Rates at par with HDFC NRO FD; current NRO tenure anchors preserved where directly comparable.

HDFC NRO RD product states rates are at par with NRO Fixed Deposits; current callable NRO FD schedule is used for comparable anchors.
HDFC Bank · observed September 14, 2026

HDFC Bank Five-Year Tax Saving Fixed Deposit

Prevailing exact five-year rate under the <₹3Cr domestic schedule: 6.40% general / 6.90% eligible resident senior.

HDFC tax-saver fee page says the product uses the prevailing five-year deposit rate; HDFC domestic <₹3Cr table effective 19 August 2026.
Federal Bank · observed September 14, 2026

Federal Bank Fixed Deposit

Resident retail: reviewed peak 6.70% general and 7.20% senior at 48 months.

Federal Bank resident term-deposit schedule for retail deposits.
Federal Bank · observed September 14, 2026

Federal Bank Deposit Plus (Non-Callable)

Non-callable Deposit Plus: 6.35%–6.85% general and 6.85%–7.35% eligible senior across reviewed 1–5y bands.

Federal Bank Deposit Plus non-callable Resident/NRO schedule effective 17 August 2026.
Federal Bank · observed September 14, 2026

Federal Bank Federal Savings Fund Recurring Deposit

Federal Savings Fund follows Federal resident term-deposit rates; reviewed anchors: 12m 6.25%/6.75%, 15m 6.65%/7.15%, 48m 6.70%/7.20%.

Federal Bank states Resident Term Deposit rates also apply to Federal Savings Fund; current schedule effective 17 August 2026.
Federal Bank · observed September 14, 2026

Federal Bank NRE Fixed Deposit

NRE <₹300L effective 17 Aug 2026: 6.25% at 1y, 6.65% at 15m, 6.70% at 48m; no NRI senior addition.

Federal Bank NRE term-deposit schedule below ₹300 lakh effective 17 August 2026.
Federal Bank · observed September 14, 2026

Federal Bank NRO Fixed Deposit

Federal Resident/NRO callable schedule effective 17 Aug 2026; reviewed NRO/general peak 6.70% at 48 months.

Federal Bank resident term-deposit schedule explicitly stated to apply to NRO Fixed Deposits, effective 17 August 2026; senior addition excluded for NRI.
Federal Bank · observed September 14, 2026

Federal Bank NRE Deposit Plus

NRE Deposit Plus effective 17 Aug 2026: 6.35% at 1y, 6.75% at 15m, 6.85% at 48m in the reviewed below-₹3Cr band.

Federal Bank NRE Deposit Plus non-callable schedule effective 17 August 2026; NRI senior addition excluded.
Federal Bank · observed September 14, 2026

Federal Bank Tax Savings Deposit

Federal resident rate applicable to Tax Savings Deposits: exact five-year falls in >48m–10y at 6.40% general / 6.90% eligible senior.

Federal explicitly says Resident Term Deposit rates apply to Federal Tax Savings Deposits; schedule effective 17 August 2026.
State Bank of India · observed September 14, 2026

SBI Domestic Bulk Term Deposit ₹3 Crore+

₹3Cr+ bulk public rates revised to 4.25%–6.25% across listed tenors; senior rates 4.75%–6.75%.

SBI domestic bulk term-deposit schedule ₹3 crore and above, revised effective 15 August 2026.
14 days-25 bp45 days-25 bp179 days-25 bp210 days-10 bp
State Bank of India · observed September 9, 2026

SBI Domestic Bulk Term Deposit ₹3 Crore+

Revised ₹3Cr+ bulk public schedule: 4.25% (7–14d), 4.75% (15–45d), 4.85% (46–179d), 5.50% (180–210d), 5.60% (211d to <1y), 6.25% (1y to <2y), 6.15% (2y to <3y), 6.00% (3y–10y).

SBI domestic bulk term deposits ₹3 crore and above — revised public rates.
IDFC FIRST Bank · observed September 14, 2026

IDFC FIRST Bank Fixed Deposit

Retail <₹3Cr: general 3.25%–7.25%; senior up to 7.50% across the reviewed schedule.

IDFC FIRST retail fixed-deposit table below ₹3 crore.
ICICI Bank · observed September 14, 2026

ICICI Bank Fixed Deposit

Retail <₹3Cr effective 18 Jun 2026: reviewed peak 6.50% general and 7.10% senior in applicable tenure bands.

ICICI callable retail FD schedule below ₹3 crore effective 18 June 2026.
ICICI Bank · observed September 14, 2026

ICICI Bank NRE Fixed Deposit

Callable NRE/NRO retail schedule below ₹3Cr effective 18 Jun 2026; reviewed 3–10 year general rate 6.50% in applicable bands.

ICICI callable retail FD schedule effective 18 June 2026, applied to NRI deposits without resident senior additions.
ICICI Bank · observed September 14, 2026

ICICI Bank NRO Fixed Deposit

Callable NRO retail schedule below ₹3Cr effective 18 Jun 2026; reviewed 3–10 year general rate reaches 6.50% in applicable bands.

ICICI callable retail FD schedule effective 18 June 2026; NRO tax/repatriation rules remain separate.
Federal Bank · observed September 14, 2026

Federal Bank FCNR(B) Deposit

FCNR(B) currency schedule effective 16 Jun 2026; temporary FCNR Max/high-value rates are kept distinct and therefore not normalized into ordinary currency anchors.

Federal Bank FCNR(B) ordinary/high-value resources; temporary FCNR Max/RBI swap-linked pricing explicitly separated from ordinary comparisons.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank Recurring Deposit

General: 5.50% at 6m, 6.35% at 12m, 6.55% at 18–21m, peak 6.80% at 24–33m; senior additions vary by tenure.

Kotak recurring-deposit table for resident individuals/HUFs effective 10 June 2026.
AU Small Finance Bank · observed September 14, 2026

AU Small Finance Bank Recurring Deposit

Regular 4.75%–7.40%; senior 5.25%–7.90%; reviewed peak at 31–36 months.

AU recurring-deposit table effective 10 June 2026 for resident/NRO/NRE/corporate categories, subject to category restrictions.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank Regular Fixed Deposit

Domestic/NRO <₹3Cr callable schedule: reviewed peak 6.80% general; eligible resident seniors generally receive +0.50 percentage point.

Kotak callable term-deposit schedule for Domestic/NRO deposits below ₹3 crore effective 10 June 2026.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank NRE Fixed Deposit

Domestic/NRO/NRE callable schedule <₹3Cr effective 10 Jun 2026; reviewed NRI peak 6.80% in the 2y–<3y band.

Kotak Domestic/NRO/NRE callable fixed-deposit schedule below ₹3 crore effective 10 June 2026; resident senior addition excluded.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank NRO Fixed Deposit

Domestic/NRO/NRE callable schedule <₹3Cr effective 10 Jun 2026; reviewed NRO peak 6.80% in the 2y–<3y band.

Kotak Domestic/NRO/NRE callable fixed-deposit schedule below ₹3 crore effective 10 June 2026; NRO tax treatment separate.
Kotak Mahindra Bank · observed September 14, 2026

Kotak Mahindra Bank Tax Saving Fixed Deposit

Current Kotak 5Y–10Y callable band: 6.25% general / 6.75% eligible resident senior, effective 10 Jun 2026.

Kotak tax-saver five-year product plus current Domestic/NRO/NRE callable rate table effective 10 June 2026.
YES BANK · observed September 14, 2026

YES BANK Fixed Deposit

Retail <₹3Cr: reviewed peak 7.25% regular and 7.75% eligible senior in selected tenure bands.

YES BANK retail fixed-deposit schedule below ₹3 crore.
YES BANK · observed September 14, 2026

YES BANK Recurring Deposit

Resident RD effective 2 Jun 2026: 6.00%–7.25% general; eligible senior rates 6.50%–7.75% across published tenures.

YES BANK resident recurring-deposit schedule effective 2 June 2026.
State Bank of India · observed August 14, 2026

SBI Domestic Bulk Term Deposit ₹3 Crore+

Previous ₹3Cr+ bulk public schedule: 4.50% (7–14d), 5.00% (15–45d), 5.10% (46–179d), 5.60% (180d to <1y), 6.25% (1y to <2y), 6.15% (2y to <3y), 6.00% (3y–10y).

SBI domestic bulk term deposits ₹3 crore and above — existing public rates before the 15 August 2026 revision.
Canara Bank · observed September 14, 2026

Canara Bank Domestic Callable Fixed Deposit

Domestic callable <₹3Cr effective 17 Mar 2026: ordinary five-year rate 6.25% general / 6.75% eligible resident senior; 444-day 6.50% / 7.00% and 555-day 6.60% / 7.10%.

Canara Bank domestic callable term-deposit schedule below ₹3 crore effective 17 March 2026.
Canara Bank · observed September 14, 2026

Canara Bank Tax Saver Scheme

Current Canara domestic callable 5Y–10Y rate below ₹3Cr: 6.25% general / 6.75% eligible resident senior.

Canara Tax Saver is a five-year FD/Kamadhenu scheme; current domestic callable sub-₹3Cr schedule effective 17 March 2026.
HDFC Bank · observed September 14, 2026

HDFC Bank Recurring Deposit

Current RD tenure table has mixed effective dates; latest highlighted tenure change reviewed is 6 Mar 2026. Key anchors: 6m 4.25%, 12m 6.25%, 18–36m 6.45%, 39–54m 6.50%.

HDFC recurring-deposit tenure table; individual tenure rows carry their own effective dates, with the latest reviewed change among highlighted tenures on 6 March 2026.
ICICI Bank · observed September 14, 2026

ICICI Bank Recurring Deposit

General 4.50%–6.50% p.a.; senior 5.00%–7.10% p.a. across the published 6-month to 10-year bands.

ICICI recurring-deposit tenure table effective 29 December 2025.
State Bank of India · observed September 14, 2026

SBI Retail Domestic Term Deposit

Retail <₹3Cr standard schedule effective 15 Dec 2025: 3.05%–6.40% general; 444-day Amrit Vrishti 6.45%; eligible senior rates vary by tenor.

SBI retail domestic term-deposit schedule below ₹3 crore effective 15 December 2025, with special-tenure overlays.
State Bank of India · observed September 14, 2026

SBI Recurring Deposit

SBI RD follows the applicable retail term-deposit rate; reviewed anchors include 12m 6.25%/6.75%, 24m 6.40%/6.90% and 60m 6.05%/7.05% for general/senior.

SBI RD product page points to the corresponding term-deposit rate; anchors use the current below-₹3-crore schedule effective 15 December 2025.