Rates verified from official source

HSBC India Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, HSBC India offers up to 5.50% p.a. on its fixed deposit (FD) (601 days to 699 days) for general customers and 6.00% p.a. (601 days to 699 days) for senior citizens. Rates below are as published by the bank — confirm with HSBC before investing.

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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 toAs ofSource
7 Days
7-day Special
 2.50% 3.00% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
8 Days
8-day Special
 2.50% 3.00% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
9 to 14 Days
 2.65% 3.15% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
15 to 29 Days
 2.75% 3.25% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
30 to 59 Days
 3.10% 3.60% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
60 to 89 Days
 3.25% 3.75% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
90 to 93 Days
 3.40% 3.90% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
94 Days
94-day Special
 3.50% 4.00% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
95 to 179 Days
 3.60% 4.10% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
180 Days
 4.10% 4.60% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
181 to 269 Days
 3.25% 3.75% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
270 Days to 364 Days
 3.70% 4.20% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
365 Days
 4.00% 4.50% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
366 Days to 399 Days
 4.00% 4.50% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
400 Days
400-day Special
 4.25% 4.75% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
401 Days to less than 18 months
 5.30% 5.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
18 months to 599 days
 4.30% 4.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
600 days
 4.30% 4.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
601 days to 699 days
 5.50% 6.00% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
700 days
700-day Special
 4.30% 4.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
701 days to 730 days
 4.30% 4.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
731 Days
731-day Special
 4.30% 4.80% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
732 days to less than 36 months
 5.35% 5.85% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
36 months to less than 37 months
 5.35% 5.85% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
37 months to less than 48 months
 5.45% 5.95% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
48 months to 60 months
 5.50% 6.00% Below ₹3 crore (retail)
1 Mar 2016
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
Source ↗

HSBC Fixed Deposit: frequently asked questions

What is the highest HSBC Fixed Deposit interest rate?

As of 5 Oct 2026, HSBC India offers up to 5.50% p.a. on its fixed deposit (FD) (601 days to 699 days) for general customers and 6.00% p.a. (601 days to 699 days) for senior citizens. Rates below are as published by the bank — confirm with HSBC before investing.

What is the HSBC 1 year FD interest rate?

As of 5 Oct 2026, HSBC India offers 4.00% p.a. on a 1-year FD for general customers and 4.50% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at HSBC?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at HSBC India, depending on the tenure.

Is my fixed deposit (FD) with HSBC insured?

Deposits with HSBC India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these HSBC rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 1 Mar 2016. Rates can change without notice, so verify on the official HSBC website before investing.

More HSBC rates

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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 · Ingested 20 Sept 2026 · Verified 5 Oct 2026 · View source

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