HSBC Fixed Deposit Interest Rates 2025 - Updated Returns & Terms
HSBC Banks is one of the most popular banks in the country. Fixed Deposit or term deposits are one of the most essential financial products offered by the bank.
The interest rates for HSBC FD range from 2.85% p.a. to 7.50% p.a. for the general public for deposits below Rs.2 crore, effective from 15 July 2024. Senior citizens get an additional 0.50% on the interest rate. The tenures range from 7 days to 5 years.
Table of Contents
Interest Rates for HSBC Domestic Term Deposit Schemes (Below Rs.3 crore)
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
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 Days to 364 Days | 3.7 | 4.2 |
365 Days | 4 | 4.5 |
366 Days to 399 Days | 4 | 4.5 |
400 Days | 3.25 | 3.75 |
401 Days to less than 18 months | 6.25 | 6.75 |
18 months to 599 days | 4.1 | 4.6 |
600 days | 3.75 | 4.25 |
601 to 699 days | 7.50 | 8.00 |
700 days | 3.75 | 4.25 |
701 days to 730 days | 4.25 | 4.75 |
731 Days | 4.25 | 4.75 |
732 days to less than 36 months | 7.25 | 7.75 |
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 |
*The interest rates are subject to change as per the discretion of the bank. The current rates are applicable as of 15 July 2024.
HSBC Bank NRE Deposit Rates.
Tenure | Interest Rates (p.a.) |
365 Days | 4 |
366 Days to 399 Days | 4 |
400 Days | 3.25 |
401 Days to less than 18 months | 6.25 |
18 months to 599 days | 4.1 |
600 days | 3.75 |
601 to 699 days | 7.50 |
700 days | 3.75 |
701 days to 730 days | 4.25 |
731 Days | 4.25 |
732 days to less than 36 months | 7.25 |
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 |
*The interest rates are subject to change as per the discretion of the bank. The current rates are applicable as of 15 July 2024.
HSBC Bank NRO Deposit Rate
Tenure | Interest Rates for General Public (p.a.) |
7 Days | 2.85 |
8 Days | 2.85 |
9 to 14 Days | 3.00 |
15 to 29 Days | 3.00 |
30 to 59 Days | 3.40 |
60 to 89 Days | 3.60 |
90 to 93 Days | 3.80 |
94 Days | 3.80 |
95 to 179 Days | 4.00 |
180 Days | 4.50 |
181 to 269 Days | 3.25 |
270 Days to 364 Days | 3.7 |
365 Days | 4 |
366 Days to 399 Days | 4 |
400 Days | 3.25 |
401 Days to less than 18 months | 6.25 |
18 months to 599 days | 4.1 |
600 days | 3.75 |
601 to 699 days | 7.75 |
700 days | 3.75 |
701 days to 730 days | 4.25 |
731 Days | 4.25 |
732 days to less than 36 months | 7.25 |
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 |
*The interest rates are subject to change as per the discretion of the bank. The current rates are applicable as of 15 July 2024.
Features & Benefits of HSBC Fixed Deposits
Some of the features and benefits of HSBC Fixed Deposits are:
- The process to open an HSBC Fixed Deposit (FD) account is very simple and requires few steps to complete.
- You can open an FD account with a minimum deposit amount of Rs.10,000 only.
- You can earn a high interest rate on your deposits.
- You can choose the tenure as per your convenience.
Eligibility criteria and Documents Required
Eligibility criteria
- You should be a citizen of India.
- You must have a bank account with HSBC.
- Private firms, governing bodies, trusts can also open an FD account.
- Minimum deposit of Rs.10,000 is required.
Documents required
- Duly filled application form.
- Proof of address such as Aadhaar, Passport, etc.
- Proof of identity such as voter ID card, PAN card, etc.
- Proof of your age such as your birth certificate, Aadhaar, etc.
- Your passport size photographs.
- Details of your bank account.
HSBC Loan Against FD
You can avail the HSBC Smart Money Account scheme which allows you to withdraw up to 90% of your deposit amount through an overdraft facility. You can apply for this scheme online on the HSBC official website.
Features and benefits
- Minimum deposit amount of Rs.25,000.
- Withdraw up to 90% of your deposit amount through an overdraft facility.
- You can access your Smart Money Account anytime, anywhere.
- You will get an HSBC credit card on availing this scheme.
- You will get an HSBC debit card which you can use to withdraw up to Rs.2,500 daily.
- You can use the account to pay your bills online.
Eligibility criteria
- Minimum age of 18 years.
- You should be a citizen of India.
- You will have to deposit a minimum amount of Rs.25,000.
FAQs on HSBC FD Rates
- What is the highest fixed deposit interest rate for HSBC?
The highest interest rate offered is 6.00% for tenure ranging between 732 days and less than 36 months for the general public.
- Can a customer open an FD account online in HSBC?
Yes, a customer can open an FD account online in HSBC.
- Is a loan facility available against FD account at HSBC?
HSBC offers the Smart Money Account scheme where you can withdraw up to 90% of your deposit amount through an overdraft facility. However, you will have to make a minimum deposit of Rs.25,000 on availing this scheme.
- In how many years FD will double in HSBC?
The deposit amount and the tenure chosen by you will determine the maturity amount you will earn once your account is matured.
- What is the minimum amount an account holder can keep in HSBC fixed deposit account?
If you are looking to open an HSBC FD account, then the minimum amount you can deposit is Rs.10,000.
- Is premature withdrawal facility available for HSBC fixed deposit?
Yes, premature withdrawal will be allowed. However, a penal interest of 1% will be charged by the bank.
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