Rates verified from official source

HSBC India
deposit rates

Top FD rate
5.50%
601 days to 699 days
Senior citizen FD
6.00%
601 days to 699 days
1-year FD rank
#3
of 3 foreign banks · 4.00%

Overview

www.hsbc.co.in

HSBC India (HSBC) is a foreign bank operating in India, headquartered in Mumbai, established in 1853. Its headline 1-year FD rate of 4.00% is −2.80% below the foreign bank average of 6.80%, ranking #3 of 3 foreign banks.

Headquarters
Mumbai
Established
1853
Ownership
Indian branch operations of The Hongkong and Shanghai Banking Corporation Ltd (HSBC Holdings plc, UK); India operations since 1853
Operates in
Andhra Pradesh, Chandigarh, Delhi, Gujarat + 10 more states
Financial health
CRAR
20.40%
Capital adequacy
Net NPA
0.20%
Bad loans (net)
Credit rating CRISIL
AAA
FD / senior bond

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

1-year FD rate
4.00%
−2.80% below the foreign bank average of 6.80%
Peer rank
#3
of 3 foreign banks
Recent movement
unchanged

Rates as of 1 Mar 2016, verified from official source. Scheduled foreign bank (RBI-licensed, operating in India) — Indian operations' deposits insured by DICGC up to ₹5,00,000.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

2%3%4%5%6%7% 7 Days · 7-day Special: 2.50% 8 Days · 8-day Special: 2.50% 9 to 14 Days: 2.65% 15 to 29 Days: 2.75% 30 to 59 Days: 3.10% 60 to 89 Days: 3.25% 90 to 93 Days: 3.40% 94 Days · 94-day Special: 3.50% 95 to 179 Days: 3.60% 180 Days: 4.10% 181 to 269 Days: 3.25% 270 Days to 364 Days: 3.70% 365 Days: 4.00% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 366 Days to 399 Days: 4.00% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 400 Days · 400-day Special: 4.25% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 401 Days to less than 18 months: 5.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 18 months to 599 days: 4.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 600 days: 4.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 601 days to 699 days: 5.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 700 days · 700-day Special: 4.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 701 days to 730 days: 4.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 731 Days · 731-day Special: 4.30% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 732 days to less than 36 months: 5.35% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 36 months to less than 37 months: 5.35% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 37 months to less than 48 months: 5.45% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 48 months to 60 months: 5.50% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 7d8d9d15d1m2m3m3m3m6m6m9m1y366d400d401d540d600d601d700d701d731d732d1080d1110d1440d General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

2%3%4%5%6%7% 7 Days · 7-day Special: 3.00% (General: 2.50%) 8 Days · 8-day Special: 3.00% (General: 2.50%) 9 to 14 Days: 3.15% (General: 2.65%) 15 to 29 Days: 3.25% (General: 2.75%) 30 to 59 Days: 3.60% (General: 3.10%) 60 to 89 Days: 3.75% (General: 3.25%) 90 to 93 Days: 3.90% (General: 3.40%) 94 Days · 94-day Special: 4.00% (General: 3.50%) 95 to 179 Days: 4.10% (General: 3.60%) 180 Days: 4.60% (General: 4.10%) 181 to 269 Days: 3.75% (General: 3.25%) 270 Days to 364 Days: 4.20% (General: 3.70%) 365 Days: 4.50% (General: 4.00%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 366 Days to 399 Days: 4.50% (General: 4.00%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 400 Days · 400-day Special: 4.75% (General: 4.25%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 401 Days to less than 18 months: 5.80% (General: 5.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 18 months to 599 days: 4.80% (General: 4.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 600 days: 4.80% (General: 4.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 601 days to 699 days: 6.00% (General: 5.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 700 days · 700-day Special: 4.80% (General: 4.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 701 days to 730 days: 4.80% (General: 4.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 731 Days · 731-day Special: 4.80% (General: 4.30%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 732 days to less than 36 months: 5.85% (General: 5.35%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 36 months to less than 37 months: 5.85% (General: 5.35%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 37 months to less than 48 months: 5.95% (General: 5.45%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 48 months to 60 months: 6.00% (General: 5.50%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 7d8d9d15d1m2m3m3m3m6m6m9m1y366d400d401d540d600d601d700d701d731d732d1080d1110d1440d Senior General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

No additional super-senior premium — showing Senior rates.

3%4%5%6%7% 7 Days · 7-day Special: 3.00% (Senior: 3.00%) 8 Days · 8-day Special: 3.00% (Senior: 3.00%) 9 to 14 Days: 3.15% (Senior: 3.15%) 15 to 29 Days: 3.25% (Senior: 3.25%) 30 to 59 Days: 3.60% (Senior: 3.60%) 60 to 89 Days: 3.75% (Senior: 3.75%) 90 to 93 Days: 3.90% (Senior: 3.90%) 94 Days · 94-day Special: 4.00% (Senior: 4.00%) 95 to 179 Days: 4.10% (Senior: 4.10%) 180 Days: 4.60% (Senior: 4.60%) 181 to 269 Days: 3.75% (Senior: 3.75%) 270 Days to 364 Days: 4.20% (Senior: 4.20%) 365 Days: 4.50% (Senior: 4.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 366 Days to 399 Days: 4.50% (Senior: 4.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 400 Days · 400-day Special: 4.75% (Senior: 4.75%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 401 Days to less than 18 months: 5.80% (Senior: 5.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 18 months to 599 days: 4.80% (Senior: 4.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 600 days: 4.80% (Senior: 4.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 601 days to 699 days: 6.00% (Senior: 6.00%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 700 days · 700-day Special: 4.80% (Senior: 4.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 701 days to 730 days: 4.80% (Senior: 4.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 731 Days · 731-day Special: 4.80% (Senior: 4.80%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 732 days to less than 36 months: 5.85% (Senior: 5.85%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 36 months to less than 37 months: 5.85% (Senior: 5.85%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 37 months to less than 48 months: 5.95% (Senior: 5.95%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 48 months to 60 months: 6.00% (Senior: 6.00%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 7d8d9d15d1m2m3m3m3m6m6m9m1y366d400d401d540d600d601d700d701d731d732d1080d1110d1440d Senior Senior Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

TenureGeneralSeniorTrendApplies to
7 Days
7-day Special
 2.50% 3.00% Below ₹3 crore (retail)
8 Days
8-day Special
 2.50% 3.00% Below ₹3 crore (retail)
9 to 14 Days
 2.65% 3.15% Below ₹3 crore (retail)
15 to 29 Days
 2.75% 3.25% Below ₹3 crore (retail)
30 to 59 Days
 3.10% 3.60% Below ₹3 crore (retail)
60 to 89 Days
 3.25% 3.75% Below ₹3 crore (retail)
90 to 93 Days
 3.40% 3.90% Below ₹3 crore (retail)
94 Days
94-day Special
 3.50% 4.00% Below ₹3 crore (retail)
95 to 179 Days
 3.60% 4.10% Below ₹3 crore (retail)
180 Days
 4.10% 4.60% Below ₹3 crore (retail)
181 to 269 Days
 3.25% 3.75% Below ₹3 crore (retail)
270 Days to 364 Days
 3.70% 4.20% Below ₹3 crore (retail)
365 Days
 4.00% 4.50% Below ₹3 crore (retail)
366 Days to 399 Days
 4.00% 4.50% Below ₹3 crore (retail)
400 Days
400-day Special
 4.25% 4.75% Below ₹3 crore (retail)
401 Days to less than 18 months
 5.30% 5.80% Below ₹3 crore (retail)
18 months to 599 days
 4.30% 4.80% Below ₹3 crore (retail)
600 days
 4.30% 4.80% Below ₹3 crore (retail)
601 days to 699 days
 5.50% 6.00% Below ₹3 crore (retail)
700 days
700-day Special
 4.30% 4.80% Below ₹3 crore (retail)
701 days to 730 days
 4.30% 4.80% Below ₹3 crore (retail)
731 Days
731-day Special
 4.30% 4.80% Below ₹3 crore (retail)
732 days to less than 36 months
 5.35% 5.85% Below ₹3 crore (retail)
36 months to less than 37 months
 5.35% 5.85% Below ₹3 crore (retail)
37 months to less than 48 months
 5.45% 5.95% Below ₹3 crore (retail)
48 months to 60 months
 5.50% 6.00% Below ₹3 crore (retail)
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
365 Days
 4.00% 4.50% Any amount
366 Days to 399 Days
 4.00% 4.50% Any amount
401 Days to less than 18 months
 5.30% 5.80% Any amount
18 months to 599 days
 4.30% 4.80% Any amount
600 days
 4.30% 4.80% Any amount
601 days to 699 days
 5.50% 6.00% Any amount
701 days to 730 days
 4.30% 4.80% Any amount
732 days to less than 36 months
 5.35% 5.85% Any amount
36 months to less than 37 months
 5.35% 5.85% Any amount
37 months to less than 48 months
 5.45% 5.95% Any amount
48 months to 60 months
 5.50% 6.00% Any amount
Source ↗

Good to know

Deposits with HSBC India are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.

official Effective 1 Mar 2016 · Verified 26 Sept 2026 · View source

Informational only — always confirm the current rate on the official HSBC website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.