Capera

India · 30-day FD

Best 30-day FD rates,
today.

The highest 30-day retail rate today is 4.25%, offered by Suryoday Small Finance Bank. We track 29 banks at this tenor, refreshed daily.

Live · updated Tue, 25 August 2026·See all tenors

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1 month · 30d

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Who picks a 30-day FD

Cash with a one-month horizon. Most banks treat this tenor as the floor of their term-deposit ladder.

Category leaders

Best 30-day rate in each bank category.

PSU

Bank of Baroda
3.50%

Pvt

RBL Bank
4.00%

SFB

Suryoday Small Finance Bank
4.25%

Foreign

SBM Bank
3.75%

System-wide average at 30-day: 3.45%.

Full ranking

All 29 banks at 30-day.

29 banks

  1. 01Suryoday Small Finance BankSmall Finance Bank4.25%
  2. 02Shivalik Small Finance BankSmall Finance Bank4.25%
  3. 03Slice Small Finance BankSmall Finance Bank4.25%
  4. 04Ujjivan Small Finance BankSmall Finance Bank4.15%
  5. 05Utkarsh Small Finance BankSmall Finance Bank4.00%
  6. 06Unity Small Finance BankSmall Finance Bank4.00%
  7. 07RBL BankPrivate Bank4.00%
  8. 08Equitas Small Finance BankSmall Finance Bank4.00%
  9. 09SBM BankForeign Bank3.75%
  10. 10DCB BankPrivate Bank3.75%
  11. 11Bank of BarodaPublic Sector Bank3.50%
  12. 12YES BankPrivate Bank3.50%
  13. 13AU Small Finance BankSmall Finance Bank3.50%
  14. 14Central Bank of IndiaPublic Sector Bank3.50%
  15. 15IDFC First BankPrivate Bank3.50%
  16. 16Axis BankPrivate Bank3.25%
  17. 17HDFC BankPrivate Bank3.25%
  18. 18IndusInd BankPrivate Bank3.25%
  19. 19ESAF Small Finance BankSmall Finance Bank3.25%
  20. 20Federal BankPrivate Bank3.25%
  21. 21State Bank of IndiaPublic Sector Bank3.05%
  22. 22Punjab National BankPublic Sector Bank3.00%
  23. 23Canara BankPublic Sector Bank3.00%
  24. 24Indian BankPublic Sector Bank3.00%
  25. 25Bank of IndiaPublic Sector Bank3.00%
  26. 26Union Bank of IndiaPublic Sector Bank2.80%
  27. 27ICICI BankPrivate Bank2.75%
  28. 28Kotak Mahindra BankPrivate Bank2.75%
  29. 29Bank of MaharashtraPublic Sector Bank2.60%

Deposit ladder

What different amounts earn over 30-day

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 4.25%; deposits at or above it use the bulk card at 5.00%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹174₹50,174retail · 4.25%
₹1,00,0001 lakh₹348₹1,00,348retail · 4.25%
₹2,00,0002 lakh₹696₹2,00,696retail · 4.25%
₹5,00,0005 lakh₹1,740₹5,01,740retail · 4.25%
₹10,00,00010 lakh₹3,481₹10,03,481retail · 4.25%
₹20,00,00020 lakh₹6,962₹20,06,962retail · 4.25%
₹50,00,00050 lakh₹17,404₹50,17,404retail · 4.25%
₹1,00,00,0001 crore₹34,808₹1,00,34,808retail · 4.25%
₹2,50,00,0002.5 crore₹87,019₹2,50,87,019retail · 4.25%
₹5,00,00,0005 crore₹2,04,623₹5,02,04,623bulk · 5.00%
₹10,00,00,00010 crore₹4,09,247₹10,04,09,247bulk · 5.00%

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 30-day FDs.

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