Capera

India · 2-year FD

Best 2-year FD rates,
today.

The highest 2-year retail rate today is 8.00%, offered by Manipal Housing Finance. We track 39 banks at this tenor, refreshed daily.

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

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2 years · 730d

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Who picks a 2-year FD

Sweet-spot for medium-term goals. Often pays a small premium over 1-year without locking up cash for too long.

Full ranking

All 39 banks at 2-year.

39 banks

  1. 01Manipal Housing FinanceHousing Finance Company8.00%
  2. 02Muthoot Capital ServicesNBFC8.00%
  3. 03Shivalik Small Finance BankSmall Finance Bank8.00%
  4. 04Ujjivan Small Finance BankSmall Finance Bank7.80%
  5. 05ESAF Small Finance BankSmall Finance Bank7.75%
  6. 06SBM BankForeign Bank7.55%
  7. 07Utkarsh Small Finance BankSmall Finance Bank7.50%
  8. 08DCB BankPrivate Bank7.50%
  9. 09Slice Small Finance BankSmall Finance Bank7.50%
  10. 10Suryoday Small Finance BankSmall Finance Bank7.25%
  11. 11Sundaram FinanceNBFC7.25%
  12. 12IDFC First BankPrivate Bank7.25%
  13. 13RBL BankPrivate Bank7.20%
  14. 14YES BankPrivate Bank7.00%
  15. 15IndusInd BankPrivate Bank7.00%
  16. 16AU Small Finance BankSmall Finance Bank7.00%
  17. 17KTDFCNBFC7.00%
  18. 18Sundaram Home FinanceHousing Finance Company7.00%
  19. 19Mahindra FinanceNBFC7.00%
  20. 20Equitas Small Finance BankSmall Finance Bank7.00%
  21. 21ICICI Home FinanceHousing Finance Company6.95%
  22. 22Shriram FinanceNBFC6.88%
  23. 23PNB Housing FinanceHousing Finance Company6.85%
  24. 24LIC Housing FinanceHousing Finance Company6.80%
  25. 25Kotak Mahindra BankPrivate Bank6.80%
  26. 26Unity Small Finance BankSmall Finance Bank6.75%
  27. 27Bank of IndiaPublic Sector Bank6.60%
  28. 28Axis BankPrivate Bank6.50%
  29. 29HDFC BankPrivate Bank6.45%
  30. 30State Bank of IndiaPublic Sector Bank6.40%
  31. 31Federal BankPrivate Bank6.40%
  32. 32ICICI BankPrivate Bank6.30%
  33. 33Punjab National BankPublic Sector Bank6.30%
  34. 34Canara BankPublic Sector Bank6.25%
  35. 35Bank of BarodaPublic Sector Bank6.25%
  36. 36Central Bank of IndiaPublic Sector Bank6.25%
  37. 37Indian BankPublic Sector Bank6.15%
  38. 38Union Bank of IndiaPublic Sector Bank6.15%
  39. 39Bank of MaharashtraPublic Sector Bank6.15%

Deposit ladder

What different amounts earn over 2-year

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 8.00%; deposits at or above it use the bulk card at 8.00%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹8,583₹58,583retail · 8.00%
₹1,00,0001 lakh₹17,166₹1,17,166retail · 8.00%
₹2,00,0002 lakh₹34,332₹2,34,332retail · 8.00%
₹5,00,0005 lakh₹85,830₹5,85,830retail · 8.00%
₹10,00,00010 lakh₹1,71,659₹11,71,659retail · 8.00%
₹20,00,00020 lakh₹3,43,319₹23,43,319retail · 8.00%
₹50,00,00050 lakh₹8,58,297₹58,58,297retail · 8.00%
₹1,00,00,0001 crore₹17,16,594₹1,17,16,594retail · 8.00%
₹2,50,00,0002.5 crore₹42,91,485₹2,92,91,485retail · 8.00%
₹5,00,00,0005 crore₹85,82,969₹5,85,82,969bulk · 8.00%
₹10,00,00,00010 crore₹1,71,65,938₹11,71,65,938bulk · 8.00%

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 2-year FDs.

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