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HSBC India FD Interest Rates (p.a.) Highlights – 2025 |
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| Highest slab rate | 7.50% (601 days to 699 days) |
| For 1 year | 4.00% |
| For 2 years | 4.25% |
| For 3 years | 7.00% |
| For 4 years | 6.00% |
| For 5 years | 6.00% |
The interest rates are updated as of 23 January 2025
HSBC India Fixed Deposit Interest Rates
Fixed Deposit Rates on Domestic deposits of less than Rs 2 crore w.e.f. 3 October 2024
| FD Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days | 2.85 | 3.35 |
| 8 days | 2.85 | 3.35 |
| 9 to 14 days | 3.00 | 3.50 |
| 15 to 29 days | 3.00 | 3.50 |
| 30 to 59 days | 3.40 | 3.90 |
| 60 to 89 days | 3.60 | 4.10 |
| 90 to 93 days | 3.80 | 4.30 |
| 94 days | 3.80 | 4.30 |
| 95 to 179 days | 4.00 | 4.50 |
| 180 days | 4.50 | 5.00 |
| 181 to 269 days | 3.25 | 3.75 |
| 270 to 364 days | 3.70 | 4.20 |
| 365 days | 4.00 | 4.50 |
| 366 to 399 Days | 4.00 | 4.50 |
| 400 days | 3.25 | 3.75 |
| 401 days to less than 18 months | 6.25 | 6.75 |
| 18 months to 599 days | 4.10 | 4.60 |
| 600 days | 3.75 | 4.25 |
| 601 to 699 days | 7.50 | 8.00 |
| 700 days | 3.75 | 4.25 |
| 701 to 730 days | 4.25 | 4.75 |
| 731 days | 4.25 | 4.75 |
| 732 days to less than 36 months | 6.50 | 7.00 |
| 36 months to less than 37 months | 7.00 | 7.50 |
| 37 months to less than 48 months | 6.00 | 6.50 |
| 48 months to 60 months | 6.00 | 6.50 |
NRE Fixed Deposit Interest Rates of deposits below Rs 2 crore w.e.f. 3 October 2024
| Tenure | Interest Rates (% p.a.) |
| 365 days | 4.00 |
| 366 days to 399 days | 4.00 |
| 400 days | 3.25 |
| 401 days to less than 18 months | 6.25 |
| 18 months to 599 days | 4.10 |
| 600 days | 3.75 |
| 601 to 699 days | 7.50 |
| 700 days | 3.75 |
| 701 to 730 days | 4.25 |
| 731 days | 4.25 |
| 732 days to less than 36 months | 6.50 |
| 36 months to less than 37 months | 7.00 |
| 37 months to less than 48 months | 6.00 |
| 48 months to 60 months | 6.00 |
FCNR (Foreign Currency Non-Resident) Fixed Deposit Interest Rates w.e.f. 23 November 2023
| Tenure | Interest Rates (% p.a.) | ||||||||
| USD | GBP | EUR | JPY | AUD | CAD | DKK | CHF | SEK | |
| 1 year to less than 2 years | 4.25 | 4.00 | 0.01 | 0.01 | 0.10 | 0.10 | 0.01 | 0.01 | 0.01 |
| 2 years to less than 3 years | 3.75 | 0.50 | 0.01 | 0.01 | 0.10 | 0.10 | 0.01 | 0.01 | 0.01 |
| 3 years | 3.25 | 0.50 | NA | NA | NA | NA | 0.01 | 0.01 | 0.01 |
RFC Fixed Deposit Interest Rates w.e.f. 21 March, 2017
| Tenure | Interest Rates (% p.a.) | |||
| USD | GBP | EURO | JPY | |
| 31 days to less than 6 months | 0.10 | 0.10% | 0.10% | 0.10% |
| 6 months to less than 1 year | 0.10 | 0.10% | 0.10% | 0.10% |
| 1 year to less than 2 years | 0.10 | 0.10% | 0.10% | 0.10% |
| 2 years to less than 3 years | 0.10 | 0.10% | 0.10% | 0.10% |
| 3 years | 0.10 | 0.10% | NA | NA |
Types of HSBC India FD Schemes
Regular Fixed Deposit
- Depositors can open FD accounts through online, branch and phone services offered by the bank
- Minimum deposit amount: Rs 10,000
- Tenure: 7 days to 5 years
- An additional 0.50% p.a. interest rate over regular FD rates is offered to senior citizen FD depositors
- Both non-cumulative and cumulative options are available
NRE Deposit
- Minimum deposit amount: Rs 25,000
- Tenure: 1 to 3 years
- The principal and the interest amount is fully repatriable
NRO Deposit
- Minimum deposit amount: Rs 15,000
- Tenure: 7 days to 5 years
- Deposits can be repatriated with a limit of USD 1 million in a financial year
- Nomination facility is available
- Interest earned deposit can be cumulated and paid at the time of maturity every quarter
FCNR Deposit
- Depositors can hold deposits in any of these currencies: US Dollars (USD), Pound Sterling (GBP), Japanese Yen (JPY), Euros (EURO), Canadian Dollars (CAD), Australian Dollars (AUD), Danish Krone (DKK), Swiss Francs (CHF), and Swedish Krona (SEK)
- Tenure:
- 1 year to 3 years (USD, GBP, DKK, CHF, SEK)
- 1 year to 2 years (EURO, JPY, CAD, AUD)
- Nomination facility is available
- Minimum deposit amount: USD: 1,000; GBP: 500; JPY: 1,25,000; EUR: 750; CAD: 1,500; AUD: 1,500; DKK: 1,000; CHF: 1,000; SEK: 1,000
RFC Deposit
- Depositors can hold deposits in any of these currencies: US Dollars (USD), Pound Sterling (GBP), Japanese Yen (JPY), Euros (EUR)
- Tenure: 31 days to 3 years
- Minimum deposit amount: USD: 5,000; GBP: 3,500; JPY: 5,00,000; EUR: 5,000
- Deposits held jointly with residents can be operated only on a ‘ Survivor or Former’ basis
- The FD can be used to make bona fide remittances overseas without any prior approval
- Auto renewal facility is available
Premature Withdrawal of Fixed Deposits
- Interest will be paid after deducting the penal rate (1%) from the applicable rate. The applicable rate would be the interest rate applicable for the period of deposit for which the FD remained with the bank or at the contractual rate, whichever is lower.
- No interest will be paid on deposit that has remained with the bank for less than the minimum period for which deposits were being accepted for the said currency and deposit type, as on the date of placement of deposit
FD Calculator
Investors can check the maturity amount of fixed deposits by using the FD Interest Rate Calculator at Paisabazaar.com. Also, Bank FD Interest rates differ for different tenures. So, the investors can also decide on a preferred tenure of investment by providing details like deposit amount, HSBC FD Rates, and deposit tenure and calculating the total returns. Moreover, using the HSBC FD calculator, account holders can check and compare HSBC FD Interest Rates with other banks as well.
FAQs
Q. What is the current highest FD rate at HSBC India?
A. The highest FD interest rate of HSBC India is 7.50% for a tenure ranging 601 days to 699 days.
Q. What is the minimum deposit amount of HSBC Fixed Deposit Account?
A. The minimum deposit amount of HSBC Fixed Deposit is Rs. 10,000.
Q. What is the minimum & maximum tenure of the HSBC Fixed Deposit scheme?
A. The minimum and maximum tenure of HSBC Fixed Deposit is 7 days and 5 years respectively.
Q. Can an account holder open HSBC fixed deposit online using their net banking/mobile banking service if he/she doesn’t have an existing account with HSBC India?
A. No, it is a must to have an existing account with HSBC India to avail of internet banking services and open an FD account.
Q. Is there a penalty for premature withdrawal on HSBC Fixed Deposit?
A. Yes, HSBC India charges 1% as a premature withdrawal penalty if the account holder partially/fully withdraws HSBC fixed deposit amount before maturity.
Q. What are the eligibility criteria for HSBC Fixed Deposit?
A. The eligibility criteria for HSBC Fixed Deposit account is:
- Resident Individuals
- HUFs
- NRIs
- Firms including minors
Q. Can an account holder change the tenure of an existing fixed deposit account with HSBC India?
A. No, account holders cannot change the tenure of an existing fixed deposit account with HSBC India.