The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India) offers FD interest rates of 2.85-7.50% p.a. to the general public and 3.35- 8.00% p.a. to senior citizens on tenures ranging from 7 days to 5 years. The bank also offers various fixed deposit products for NRIs, such as NRE, RFC, and FCNR fixed deposits. HSBC India accepts FCNR fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EUR), Japanese Yen (JPY), Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Swiss Franc (CHF) and Swedish Krona (SEK). The bank accepts RFC fixed deposits in USD, GBP, EUR and JPY.
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HSBC India FD Interest Rates (p.a.) Highlights 2024 |
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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 3 December 2024
FDs of up to ₹5 lakhs insured by RBI
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| 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 |
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| 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 |
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| 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 |
| 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 |
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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.
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:
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.
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