Capera

India · 180-day FD

Best 180-day FD rates,
today.

The highest 180-day retail rate today is 6.00%, offered by IndusInd Bank. We track 29 banks at this tenor, refreshed daily.

Live · updated Mon, 24 August 2026·See all tenors

Get alerts on these FD rates

Custom tenor

Drag to pick any tenor between 7 days and 10 years.

Showing

6 months · 180d

Loading rates…

Who picks a 180-day FD

Six months out is the popular tenor for visible cash flows: a quarterly bonus, an upcoming tax payment, a planned capital outlay.

Category leaders

Best 180-day rate in each bank category.

PSU

State Bank of India
5.65%

Pvt

IndusInd Bank
6.00%

SFB

Ujjivan Small Finance Bank
6.00%

Foreign

SBM Bank
6.00%

System-wide average at 180-day: 5.05%.

Full ranking

All 29 banks at 180-day.

29 banks

  1. 01IndusInd BankPrivate Bank6.00%
  2. 02Ujjivan Small Finance BankSmall Finance Bank6.00%
  3. 03SBM BankForeign Bank6.00%
  4. 04State Bank of IndiaPublic Sector Bank5.65%
  5. 05Punjab National BankPublic Sector Bank5.60%
  6. 06Unity Small Finance BankSmall Finance Bank5.50%
  7. 07Bank of IndiaPublic Sector Bank5.50%
  8. 08Central Bank of IndiaPublic Sector Bank5.50%
  9. 09Canara BankPublic Sector Bank5.25%
  10. 10AU Small Finance BankSmall Finance Bank5.25%
  11. 11Slice Small Finance BankSmall Finance Bank5.25%
  12. 12Equitas Small Finance BankSmall Finance Bank5.25%
  13. 13Axis BankPrivate Bank5.00%
  14. 14Bank of BarodaPublic Sector Bank5.00%
  15. 15Utkarsh Small Finance BankSmall Finance Bank5.00%
  16. 16Suryoday Small Finance BankSmall Finance Bank5.00%
  17. 17IDFC First BankPrivate Bank5.00%
  18. 18Kotak Mahindra BankPrivate Bank5.00%
  19. 19YES BankPrivate Bank4.75%
  20. 20RBL BankPrivate Bank4.75%
  21. 21DCB BankPrivate Bank4.75%
  22. 22Shivalik Small Finance BankSmall Finance Bank4.75%
  23. 23Union Bank of IndiaPublic Sector Bank4.75%
  24. 24Bank of MaharashtraPublic Sector Bank4.75%
  25. 25ICICI BankPrivate Bank4.50%
  26. 26Federal BankPrivate Bank4.50%
  27. 27HDFC BankPrivate Bank4.25%
  28. 28ESAF Small Finance BankSmall Finance Bank4.00%
  29. 29Indian BankPublic Sector Bank3.85%

Deposit ladder

What different amounts earn over 180-day

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 6.00%; deposits at or above it use the bulk card at 5.95%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹1,490₹51,490retail · 6.00%
₹1,00,0001 lakh₹2,980₹1,02,980retail · 6.00%
₹2,00,0002 lakh₹5,961₹2,05,961retail · 6.00%
₹5,00,0005 lakh₹14,902₹5,14,902retail · 6.00%
₹10,00,00010 lakh₹29,805₹10,29,805retail · 6.00%
₹20,00,00020 lakh₹59,610₹20,59,610retail · 6.00%
₹50,00,00050 lakh₹1,49,024₹51,49,024retail · 6.00%
₹1,00,00,0001 crore₹2,98,048₹1,02,98,048retail · 6.00%
₹2,50,00,0002.5 crore₹7,45,121₹2,57,45,121retail · 6.00%
₹5,00,00,0005 crore₹14,77,735₹5,14,77,735bulk · 5.95%
₹10,00,00,00010 crore₹29,55,469₹10,29,55,469bulk · 5.95%

Compounded quarterly, pre-tax. Deposits at or above ₹3 crore are quoted off a separate bulk rate card, see bulk-deposit rates →

Common questions

About 180-day FDs.

Have a question?

Ask Capera anything about these rates.

Tax treatment, bulk-deposit pricing, custom comparisons, where to actually park ₹3 crore. Write to us and a person will reply.

Or email hello@capera.co directly.

Take it with you