Fixed deposits
FD · GeneralFD
w.e.f. 2025-07-1726 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Daysregular | ₹10,000 – ₹3,00,00,000 | 2.50% |
| 8 Daysregular | ₹10,000 – ₹3,00,00,000 | 2.50% |
| 9 to 14 Daysregular | ₹10,000 – ₹3,00,00,000 | 2.65% |
| 15 to 29 Daysregular | ₹10,000 – ₹3,00,00,000 | 2.75% |
| 30 to 59 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.10% |
| 60 to 89 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.25% |
| 90 to 93 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.40% |
| 94 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.50% |
| 95 to 179 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.60% |
| 180 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.10% |
| 181 to 269 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.25% |
| 270 Days to 364 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.70% |
| 365 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 366 Days to 399 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 400 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.25% |
| 401 Days to less than 18 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.30% |
| 18 months to 599 daysregular | ₹10,000 – ₹3,00,00,000 | 4.30% |
| 600 daysregular | ₹10,000 – ₹3,00,00,000 | 4.30% |
| 601 days to 699 daysregular | ₹10,000 – ₹3,00,00,000 | 5.50% |
| 700 daysregular | ₹10,000 – ₹3,00,00,000 | 4.30% |
| 701 days to 730 daysregular | ₹10,000 – ₹3,00,00,000 | 4.30% |
| 731 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.30% |
| 732 days to less than 36 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.35% |
| 36 months to less than 37 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.35% |
| 37 months to less than 48 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.45% |
| 48 months to 60 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.50% |
FD · Senior CitizenFD_SC
w.e.f. 2025-07-1726 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.00% |
| 8 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.00% |
| 9 to 14 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.15% |
| 15 to 29 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.25% |
| 30 to 59 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.60% |
| 60 to 89 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.75% |
| 90 to 93 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.90% |
| 94 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.00% |
| 95 to 179 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.10% |
| 180 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.60% |
| 181 to 269 Daysregular | ₹10,000 – ₹3,00,00,000 | 3.75% |
| 270 Days to 364 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.20% |
| 365 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.50% |
| 366 Days to 399 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.50% |
| 400 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.75% |
| 401 Days to less than 18 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.80% |
| 18 months to 599 daysregular | ₹10,000 – ₹3,00,00,000 | 4.80% |
| 600 daysregular | ₹10,000 – ₹3,00,00,000 | 4.80% |
| 601 days to 699 daysregular | ₹10,000 – ₹3,00,00,000 | 6.00% |
| 700 daysregular | ₹10,000 – ₹3,00,00,000 | 4.80% |
| 701 days to 730 daysregular | ₹10,000 – ₹3,00,00,000 | 4.80% |
| 731 Daysregular | ₹10,000 – ₹3,00,00,000 | 4.80% |
| 732 days to less than 36 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.85% |
| 36 months to less than 37 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.85% |
| 37 months to less than 48 monthsregular | ₹10,000 – ₹3,00,00,000 | 5.95% |
| 48 months to 60 monthsregular | ₹10,000 – ₹3,00,00,000 | 6.00% |
Savings accounts
SavingsSAVINGS
w.e.f. 2021-09-132 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Balances up to INR10 Cr | ₹0 – ₹10,00,00,000 | 2.00% |
| Balances of INR10 Cr and above | ₹10,00,00,000 and above | 2.50% |
NRE SavingsNRE_SAVINGS
w.e.f. 2021-09-132 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Balances up to INR10 Cr | ₹0 – ₹10,00,00,000 | 2.00% |
| Balances of INR10 Cr and above | ₹10,00,00,000 and above | 2.50% |
NRO SavingsNRO_SAVINGS
w.e.f. 2021-09-132 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Balances up to INR10 Cr | ₹0 – ₹10,00,00,000 | 2.00% |
| Balances of INR10 Cr and above | ₹10,00,00,000 and above | 2.50% |
NRI deposits
NRENRE
w.e.f. 2025-07-1714 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 365 days | ₹25,000 – ₹3,00,00,000 | 4.00% |
| 366 to 399 days | ₹25,000 – ₹3,00,00,000 | 4.00% |
| 400 days | ₹25,000 – ₹3,00,00,000 | 4.25% |
| 401 days to less than 18 months | ₹25,000 – ₹3,00,00,000 | 5.30% |
| 18 months to 599 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 600 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 601 to 699 days | ₹25,000 – ₹3,00,00,000 | 5.50% |
| 700 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 701 to 730 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 731 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 732 days to less than 36 months | ₹25,000 – ₹3,00,00,000 | 5.35% |
| 36 months to less than 37 months | ₹25,000 – ₹3,00,00,000 | 5.35% |
| 37 months to less than 48 months | ₹25,000 – ₹3,00,00,000 | 5.45% |
| 48 to 60 months | ₹25,000 – ₹3,00,00,000 | 5.50% |
NRONRO
w.e.f. 2025-07-1726 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days | ₹25,000 – ₹3,00,00,000 | 2.50% |
| 8 days | ₹25,000 – ₹3,00,00,000 | 2.50% |
| 9 to 14 days | ₹25,000 – ₹3,00,00,000 | 2.65% |
| 15 to 29 days | ₹25,000 – ₹3,00,00,000 | 2.75% |
| 30 to 59 days | ₹25,000 – ₹3,00,00,000 | 3.10% |
| 60 to 89 days | ₹25,000 – ₹3,00,00,000 | 3.25% |
| 90 to 93 days | ₹25,000 – ₹3,00,00,000 | 3.40% |
| 94 days | ₹25,000 – ₹3,00,00,000 | 3.50% |
| 95 to 179 days | ₹25,000 – ₹3,00,00,000 | 3.60% |
| 180 days | ₹25,000 – ₹3,00,00,000 | 4.10% |
| 181 to 269 days | ₹25,000 – ₹3,00,00,000 | 3.25% |
| 270 to 364 days | ₹25,000 – ₹3,00,00,000 | 3.70% |
| 365 days | ₹25,000 – ₹3,00,00,000 | 4.00% |
| 366 to 399 days | ₹25,000 – ₹3,00,00,000 | 4.00% |
| 400 days | ₹25,000 – ₹3,00,00,000 | 4.25% |
| 401 days to less than 18 months | ₹25,000 – ₹3,00,00,000 | 5.30% |
| 18 months to 599 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 600 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 601 to 699 days | ₹25,000 – ₹3,00,00,000 | 5.50% |
| 700 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 701 to 730 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 731 days | ₹25,000 – ₹3,00,00,000 | 4.30% |
| 732 days to less than 36 months | ₹25,000 – ₹3,00,00,000 | 5.35% |
| 36 months to less than 37 months | ₹25,000 – ₹3,00,00,000 | 5.35% |
| 37 months to less than 48 months | ₹25,000 – ₹3,00,00,000 | 5.45% |
| 48 months to 60 months | ₹25,000 – ₹3,00,00,000 | 5.50% |
RFC · USD (returned NRI)RFC_USD
w.e.f. 2017-03-21USD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 31 days to less than 6 months | USD 5,000 and above | 0.10% |
| 6 months to less than 1 year | USD 5,000 and above | 0.10% |
| 1 year to less than 2 years | USD 5,000 and above | 0.10% |
| 2 years to less than 3 years | USD 5,000 and above | 0.10% |
| 3 years | USD 5,000 and above | 0.10% |
RFC · GBP (returned NRI)RFC_GBP
w.e.f. 2017-03-21GBP5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 31 days to less than 6 months | GBP 3,500 and above | 0.10% |
| 6 months to less than 1 year | GBP 3,500 and above | 0.10% |
| 1 year to less than 2 years | GBP 3,500 and above | 0.10% |
| 2 years to less than 3 years | GBP 3,500 and above | 0.10% |
| 3 years | GBP 3,500 and above | 0.10% |
RFC · EUR (returned NRI)RFC_EUR
w.e.f. 2017-03-21EUR4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 31 days to less than 6 months | EUR 5,000 and above | 0.10% |
| 6 months to less than 1 year | EUR 5,000 and above | 0.10% |
| 1 year to less than 2 years | EUR 5,000 and above | 0.10% |
| 2 years to less than 3 years | EUR 5,000 and above | 0.10% |
RFC · YEN (JPY) (returned NRI)RFC_JPY
w.e.f. 2017-03-21JPY4 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 31 days to less than 6 months | JPY 500,000 and above | 0.10% |
| 6 months to less than 1 year | JPY 500,000 and above | 0.10% |
| 1 year to less than 2 years | JPY 500,000 and above | 0.10% |
| 2 years to less than 3 years | JPY 500,000 and above | 0.10% |
FCNR — callable
FCNR · SEK (Krona) · CallableFCNR_SEK
w.e.f. 2026-05-05SEK3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | SEK 1,000 and above | 0.01% |
| 2 years to less than 3 years | SEK 1,000 and above | 0.01% |
| 3 years | SEK 1,000 and above | 0.01% |
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-05-05USD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | USD 1,000 and above | 3.25% |
| 2 years to less than 3 years | USD 1,000 and above | 2.75% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-05-05GBP3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | GBP 500 and above | 4.00% |
| 2 years to less than 3 years | GBP 500 and above | 0.50% |
| 3 years | GBP 500 and above | 0.50% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-05-05EUR2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | EUR 750 and above | 0.01% |
| 2 years to less than 3 years | EUR 750 and above | 0.01% |
FCNR · YEN (JPY) · CallableFCNR_JPY
w.e.f. 2026-05-05JPY2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | JPY 125,000 and above | 0.01% |
| 2 years to less than 3 years | JPY 125,000 and above | 0.01% |
FCNR · CAD · CallableFCNR_CAD
w.e.f. 2026-05-05CAD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | CAD 1,500 and above | 0.10% |
| 2 years to less than 3 years | CAD 1,500 and above | 0.10% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-05-05AUD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | AUD 1,500 and above | 0.10% |
| 2 years to less than 3 years | AUD 1,500 and above | 0.10% |
FCNR · CHF · CallableFCNR_CHF
w.e.f. 2026-05-05CHF3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | CHF 1,000 and above | 0.01% |
| 2 years to less than 3 years | CHF 1,000 and above | 0.01% |
| 3 years | CHF 1,000 and above | 0.01% |
FCNR · DKK (Krone) · CallableFCNR_DKK
w.e.f. 2026-05-05DKK3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | DKK 1,000 and above | 0.01% |
| 2 years to less than 3 years | DKK 1,000 and above | 0.01% |
| 3 years | DKK 1,000 and above | 0.01% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-05-05USD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 years* | USD 1,000 and above | 5.50% |
| 5 years* | USD 1,000 and above | 5.50% |
If you break it early
Breaking this deposit early — FD · General
Every band HSBC India publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹10,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹10,000 to under ₹3 crore | 7 days to 60 months | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
Breaking this deposit early — FD · Senior Citizen
Every band HSBC India publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹10,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹10,000 to under ₹3 crore | 7 days to 60 months | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
Not yet verified
We have not read and recorded HSBC India’s premature-withdrawal terms for Savings, NRE Savings, NRO Savings, NRE, NRO, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), RFC · YEN (JPY) (returned NRI), FCNR · SEK (Krona) · Callable, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · CHF · Callable, FCNR · DKK (Krone) · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by HSBC India
42 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Floating-rate deposits
Tax-saver deposits (80C)
Recurring deposits
Auto-sweep
NRI deposits
- NRE · Non-Callablesource ↗checked 2026-07-27
- NRO · Non-Callablesource ↗checked 2026-07-27
- RFC · AUD (returned NRI)source ↗checked 2026-07-27
- RFC · CAD (returned NRI)source ↗checked 2026-07-27
- RFC · CHF (returned NRI)source ↗checked 2026-07-27
- RFC · HKD (returned NRI)source ↗checked 2026-07-27
- RFC · NZD (returned NRI)source ↗checked 2026-07-27
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-27
- RFC · SGD (returned NRI)source ↗checked 2026-07-27
- RFC Savings (returned NRI)source ↗checked 2026-07-27
FCNR — callable
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-27
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-27
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-27
- FCNR · DKK (Krone) · Non-Callablesource ↗checked 2026-07-27
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-27
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-27
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-27
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-27
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-27
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-27
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as HSBC India prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 140 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.