RateScan.in API — Free JSON API for Indian Bank Deposit Rates

A free, open, read-only JSON API over every rate on RateScan.in — 280 banks and 8079 deposit rates with their official-source provenance. It's a set of static files on a CDN: no key, no rate limit, CORS-open, and safe to call from the browser. Licensed CC-BY 4.0 — free to use with attribution.

Base URL https://ratescan.in/api/v1/ · Format JSON · Freshness rebuilt whenever the dataset refreshes; every response carries generatedAt and a content build hash.

Endpoints

All relative to the base URL above

Method	Path	Returns
GET	`manifest.json`	Self-describing index of every endpoint + counts + license.
GET	`openapi.json`	OpenAPI 3.1 spec — the machine contract (import into agents, GPT Actions, codegen).
GET	`banks.json`	All banks (id, name, category, website, health metrics).
GET	`rates.json`	Every rate row with full source provenance.
GET	`banks/{bankId}.json`	One bank's metadata + all of its rates.
GET	`best/{product}.json`	Top 25 banks for a product — fd, rd, savings, nre_fd, fcnr_fd.

Building a tool or agent? Import the OpenAPI 3.1 spec for a typed, callable contract.

The best/ endpoints mirror the homepage default: domestic products (FD/RD/Savings) are limited to mainstream sectors — public, private & small finance banks (each response states its sectorFilter); NRI products (NRE/FCNR) include all. For every category and every rate, use rates.json.

The complete dataset and daily history are also available as single files: https://ratescan.in/data/dataset.json and https://ratescan.in/data/history.json.

Examples

Best fixed-deposit rates right now:

curl -s https://ratescan.in/api/v1/best/fd.json

Everything for one bank (e.g. SBI):

curl -s https://ratescan.in/api/v1/banks/sbi.json

Discover all endpoints:

curl -s https://ratescan.in/api/v1/manifest.json

Response shape

Every rate carries its provenance so you can trace it to the bank's own page:

{
  "bankId": "sbi", "product": "FD", "customer": "GENERAL",
  "ratePercent": 6.8,
  "tenure": { "minDays": 365, "maxDays": 729, "label": "1y to <2y" },
  "amount": { "minAmount": 0, "maxAmount": null, "label": "Any amount" },
  "source": {
    "url": "https://sbi.co.in/...", "effectiveDate": "2026-04-01",
    "quality": "OFFICIAL", "ingestedAt": "2026-10-03", "checkedAt": "2026-10-05"
  }
}

Filtering & nuances

How to query a static API — and the things to know before you rely on it

There are no query parameters — you filter client-side

This is a static API: flat JSON files on a CDN, not a query server. So ?product=FD&state=MH does nothing. Instead, fetch the collection that's closest to what you want and filter in your own code. The files are small and cacheable, so this is fast:

Want one bank's rates? → banks/{bankId}.json (don't filter rates.json).
Want the headline best rate for a product? → best/{product}.json.
Any other slice (by tenure, amount, customer tier, currency, category, state)? → fetch rates.json once and filter on the fields below.

# Best 1-year FD for senior citizens, among public-sector banks (jq)
curl -s https://ratescan.in/api/v1/rates.json \
  | jq '[.rates[]
      | select(.product=="FD" and .customer=="SENIOR")
      | select(.tenure.minDays<=365 and (.tenure.maxDays==null or .tenure.maxDays>=365))]
      | sort_by(-.ratePercent)'

Fields you filter on

Field	Values	Notes
`product`	FD, RD, SAVINGS, NRE_FD, FCNR_FD	Deposit type.
`customer`	GENERAL, SENIOR, SUPER_SENIOR	Each tier is a separate row; SENIOR/SUPER_SENIOR appear only where the bank offers a premium.
`tenure`	{minDays, maxDays, label}	A band. `maxDays: null` means open-ended ("and above"). Match a target day T with `minDays ≤ T ≤ maxDays`.
`amount`	{minAmount, maxAmount, label}	Deposit-size slab. `maxAmount: null` = any amount. Most banks tracked at the retail (< ₹3 crore) slab.
`currency`	USD, GBP, EUR, …	FCNR_FD only. Absent on all other products.
`bank.category`	PUBLIC, PRIVATE, SMALL_FINANCE, PAYMENTS_BANK, FOREIGN, REGIONAL_RURAL, GOVERNMENT, STATE_COOP, DISTRICT_COOP	On the bank, not the rate — join via `bankId` (or use `banks.json`).
`bank.states`	["ALL"] or state codes	Co-op / regional banks may serve only certain states; `["ALL"]` = pan-India.

Nuances worth knowing

One rate = one (product, customer, tenure, amount, currency) combination. A single bank+tenure can yield several rows (e.g. General and Senior, or multiple FCNR currencies).
best/ is opinionated; rates.json is raw. The best/ endpoints mirror the site homepage — domestic products are limited to public/private/small-finance banks (each response states its sectorFilter), NRI products include all. For the complete, unfiltered set use rates.json.
Provenance & freshness. Every rate's source carries the official url, the bank's effectiveDate, a quality (OFFICIAL vs AGGREGATOR), plus ingestedAt (first captured) and checkedAt (last re-confirmed). Prefer OFFICIAL and check checkedAt if freshness matters.
Rates in percent per annum (e.g. 6.8 = 6.80% p.a.), not fractions.
Versioning & caching. Every response includes generatedAt and a content build hash; both change only when the data changes. Files are served with long CDN cache headers — key your own cache off build.
CORS-open, no key, no rate limit, no SLA. Safe to call from the browser. It's a free static endpoint — don't depend on it for anything life-critical, and cache responses rather than hammering it.
Stable contract. Breaking changes would ship under a new version prefix (/api/v2/); /api/v1/ stays additive.

Terms

Open under CC-BY 4.0 — attribute "RateScan.in" with a link to https://ratescan.in. Data is informational only; always confirm on the bank's official page before investing. No uptime guarantee — this is a free static endpoint.

The RateScan.in API