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This housing finance company has been accredited with a credit rating of ACUITE A by Acuite Ratings & Research Limited. As per Acuite Ratings & Research Limited, ACUITE A rating indicates adequate degree of safety regarding timely servicing of financial obligations and carries low credit risk.
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Manipal Housing Finance FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 8.25% (for 1 year to 3 years) |
| For 1 year | 8.25% |
| For 2 years | 8.25% |
| For 3 years | 8.25% |
| For 4 years | 7.75% |
| For 5 years | 7.75% |
The interest rates are updated as of 19 December 2025
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
Manipal Housing Finance FD Rates
Cumulative Growth Plan
| Tenure | Interest Rates (% p.a.) |
| 1 year | 8.25 |
| 2 years | 8.25 |
| 3 years | 8.25 |
| 4 years | 7.75 |
| 5 years | 7.75 |
Monthly Income Plan
| Tenure | Interest Rates (% p.a.) |
| 1 year | 7.95 |
| 2 years | 7.95 |
| 3 years | 7.95 |
| 4 years | 7.50 |
| 5 years | 7.50 |
Quarterly Income Plan
| Tenure | Interest Rates (% p.a.) |
| 1 year | 8.00 |
| 2 years | 8.00 |
| 3 years | 8.00 |
| 4 years | 7.55 |
| 5 years | 7.55 |
Half-Yearly Income Plan
| Tenure | Interest Rates (% p.a.) |
| 1 year | 8.10 |
| 2 years | 8.10 |
| 3 years | 8.10 |
| 4 years | 7.60 |
| 5 years | 7.60 |
Annual Income Plan
| Tenure | Interest Rates (% p.a.) |
| 1 year | 8.25 |
| 2 years | 8.25 |
| 3 years | 8.25 |
| 4 years | 7.75 |
| 5 years | 7.75 |
Types of Manipal Housing Finance FD Schemes
- Depositors can opt for either a monthly/quarterly/half-yearly/annual income plan or a cumulative growth plan
- Minimum deposit amount:
- Monthly Income Plan: Rs 10,000
- Quarterly Income Plan: Rs 5,000
- Half Yearly Income Plan: Rs 5,000
- Annual Income Plan: Rs 1,000
- Cumulative Growth Plan: Rs 1,000
Features of Fixed Deposit
- Deposits in cash are accepted up to Rs 19,900 provided no deposits are outstanding as of the date of the deposit, otherwise the deposits will be accepted by “Account Payee Crossed” Cheque/Draft/Pay Order only
- Joint deposits can be held in maximum 3 names
- Instant loan facility is available against deposits
- Nomination facility is also available
- Interest Payment:
- Under the Non-Cumulative Option, interest will be paid monthly/quarterly/half yearly from the date of deposit.
- Under the Annual Income Plan interest will be paid annually from the date of deposit.
- Under the Cumulative Option, interest is compounded annually and is paid on maturity along with the principal
- The interest will be paid by crossed “Account Payee” cheque drawn in the favour of the first depositor
Premature Withdrawal of Fixed Deposits
- FD can be prematurely withdrawn after a lock-in period of 3 months from the date of the deposit.
- The following rates will be applied for premature withdrawals of FDs after 3 months:
| Months completed from the date of deposit | Interest Rates payable |
| After 3 months but before 6 months | 4% p.a. for the individual depositor and others no interest |
| After 6 months but before the date of maturity | 1% less than the interest rate applicable for the duration completed. If no rate has been specified, 2% less than the minimum interest rate |
Loan Against Deposits
- Loan can be granted after 3 months from the date of deposit
- Loan against deposit is available for up to 75% of the balance outstanding in the FD account (including accrued interest)
- Depositors availing of the loan need to pay a 2% above the deposit rate
- Loans are granted at MHFSL’s discretion