HSBC India Fixed Deposit interest rates · November 2026
What will my FD earn at HSBC?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days 7-day Special |
2.50% | 3.00% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
8 Days 8-day Special |
2.50% | 3.00% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
9 to 14 Days |
2.65% | 3.15% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
15 to 29 Days |
2.75% | 3.25% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
30 to 59 Days |
3.10% | 3.60% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
60 to 89 Days |
3.25% | 3.75% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
90 to 93 Days |
3.40% | 3.90% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
94 Days 94-day Special |
3.50% | 4.00% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
95 to 179 Days |
3.60% | 4.10% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
180 Days |
4.10% | 4.60% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
181 to 269 Days |
3.25% | 3.75% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
270 Days to 364 Days |
3.70% | 4.20% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
365 Days to 399 Days 2 slabs at this rate |
4.00% | 4.50% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
400 Days 400-day Special |
4.25% | 4.75% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
401 Days to less than 18 months |
5.30% | 5.80% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
18 months to 600 days 2 slabs at this rate |
4.30% | 4.80% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
601 days to 699 days |
5.50% | 6.00% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
700 days 700-day Special |
4.30% | 4.80% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
701 days to 730 days |
4.30% | 4.80% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
731 Days 731-day Special |
4.30% | 4.80% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
732 days to less than 37 months 2 slabs at this rate |
5.35% | 5.85% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
37 months to less than 48 months |
6.40% | 6.90% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 6 Nov 2026 |
48 months to 60 months |
5.50% | 6.00% | Below ₹3 crore (retail) | unavailable ✓ verified 14 Nov 2026 | official fetched 20 Sept 2026 |
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HSBC FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
4.00%Before you book
HSBC Fixed Deposit: frequently asked questions
What is the highest HSBC Fixed Deposit interest rate?
As of 14 Nov 2026, HSBC India offers up to 6.40% p.a. on its fixed deposit (FD) (37 months to less than 48 months) for general customers and 6.90% p.a. (37 months to less than 48 months) 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 14 Nov 2026, HSBC India offers 4.00% p.a. on a 1-year FD for general customers and 4.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the HSBC 2-year FD interest rate?
As of 14 Nov 2026, HSBC India offers 4.30% p.a. on a 2-year FD for general customers and 4.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the HSBC 3-year FD interest rate?
As of 14 Nov 2026, HSBC India offers 5.35% p.a. on a 3-year FD for general customers and 5.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.
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.
When did HSBC last change its Fixed Deposit rates?
HSBC India last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 10 Nov 2026: the general rate for 37 months to less than 48 months went from 5.45% to 6.40%. RateScan.in has tracked HSBC's rates since 20 Sept 2026.
What fixed deposit (FD) tenures does HSBC offer?
HSBC India's published fixed deposit (FD) rate table has 20 tenure bands, from “9 to 14 Days” to “48 months to 60 months”.
Does HSBC have special fixed deposit (FD) schemes?
HSBC India's rate table lists these named schemes (6): 7-day Special; 8-day Special; 94-day Special; 400-day Special; 700-day Special…. Check eligibility and end dates with the bank.
Does HSBC pay more than the Post Office Time Deposit?
HSBC India pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 1y 4.00% (PO 6.90%), 2y 4.30% (PO 7.00%), 3y 5.35% (PO 7.10%). PO is the Post Office Time Deposit rate.
How does HSBC's 1-year FD rate rank?
HSBC India's 1-year general FD rate of 4.00% ranks #1027 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 2026. Rates can change without notice, so verify on the official HSBC website before investing.
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Good to know
- Deposits with HSBC India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- HSBC is a foreign bank operating in India, regulated by the RBI.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at HSBC, depending on the tenure.
- HSBC's FD table includes 6 special schemes; check eligibility and end dates.
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.
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