Bulk-deposit FD rates
in India
Today's top bulk-deposit rate is 8.00%, offered by Manipal Housing Finance — +175 bps above State Bank of India. We compare 15 banks that publish ≥ ₹3 crore rates today, across commercial banks, NBFCs and HFCs.
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Top rate
8.00%
Manipal Housing Finance · 1-year
Spread vs default
+175 bps
vs State Bank of India
Banks publishing bulk
15
of 39 tracked
As of
Mon, 24
August 2026
Money on the table
What it costs to park lazily.
At State Bank of India
₹62.5 lakh
6.25% · 1-year FD on ₹10 cr
At Manipal Housing Finance (top today)
₹80.0 lakh
8.00% · 1-year FD on ₹10 cr
Money on the table
₹17.5 lakh
175 bps spread · per year, every year
175 bps over ₹10 crore is ₹17.5 lakh per year. The published rate is typically a floor — for amounts above ₹10 crore most banks negotiate an additional 10–30 bps.
Distribution
How bulk rates spread across the market
Each dot is one bank. Commercial banks, NBFCs and HFCs publish bulk rates; Small Finance Banks generally don't.
The treasury leaderboard
Tenor
Category
15 of 39
- 01
Manipal Housing Finance
Housing Finance Company
8.00% - 02
Muthoot Capital Services
NBFC
7.65% - 03K
KTDFC
NBFC
7.00% - 04
Sundaram Finance
NBFC
6.97% - 05
ICICI Home Finance
Housing Finance Company
6.85% - 06
PNB Housing Finance
Housing Finance Company
6.70% - 07
Sundaram Home Finance
Housing Finance Company
6.70% - 08
LIC Housing Finance
Housing Finance Company
6.70% - 09
Shriram Finance
NBFC
6.64% - 10
Axis Bank
Private Bank
6.60% - 11
Mahindra Finance
NBFC
6.60% - 12
State Bank of India
Public Sector Bank
6.25% - 13
HDFC Bank
Private Bank
6.25% - 14
ICICI Bank
Private Bank
6.25% - 15
Central Bank of India
Public Sector Bank
6.10%
Of the 15 banks publishing bulk-deposit rates, 5 are commercial banks and 10 are NBFCs or HFCs. The leader, Manipal Housing Finance, pays +175 bps over State Bank of India.
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The bulk-deposit playbook.
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Bulk FD rack rates
Published rack rates on deposits above ₹3 crore, where bulk pricing often differs from retail FD.
For treasurers
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We track FD rates across 39 Indian banks, run the optimisation against your cash forecast, and move the deposits to the best rate available — without you calling anyone.