Capera

India · 7-day FD

Best 7-day FD rates,
today.

The highest 7-day retail rate today is 4.00%, offered by Utkarsh Small Finance Bank. We track 29 banks at this tenor, refreshed daily.

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

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

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7 days · 7d

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Who picks a 7-day FD

Idle cash that needs to be liquid within a week. Treasury parking, between two transactions, or while waiting for a larger deployment.

Category leaders

Best 7-day rate in each bank category.

PSU

Bank of Baroda
3.50%

Pvt

DCB Bank
3.75%

SFB

Utkarsh Small Finance Bank
4.00%

Foreign

SBM Bank
3.75%

System-wide average at 7-day: 3.24%.

Full ranking

All 29 banks at 7-day.

29 banks

  1. 01Utkarsh Small Finance BankSmall Finance Bank4.00%
  2. 02Suryoday Small Finance BankSmall Finance Bank4.00%
  3. 03Unity Small Finance BankSmall Finance Bank4.00%
  4. 04SBM BankForeign Bank3.75%
  5. 05DCB BankPrivate Bank3.75%
  6. 06Bank of BarodaPublic Sector Bank3.50%
  7. 07AU Small Finance BankSmall Finance Bank3.50%
  8. 08Ujjivan Small Finance BankSmall Finance Bank3.50%
  9. 09RBL BankPrivate Bank3.50%
  10. 10Shivalik Small Finance BankSmall Finance Bank3.50%
  11. 11Slice Small Finance BankSmall Finance Bank3.50%
  12. 12Equitas Small Finance BankSmall Finance Bank3.50%
  13. 13YES BankPrivate Bank3.25%
  14. 14IndusInd BankPrivate Bank3.25%
  15. 15IDFC First BankPrivate Bank3.25%
  16. 16State Bank of IndiaPublic Sector Bank3.05%
  17. 17Axis BankPrivate Bank3.00%
  18. 18Punjab National BankPublic Sector Bank3.00%
  19. 19Canara BankPublic Sector Bank3.00%
  20. 20Bank of IndiaPublic Sector Bank3.00%
  21. 21Federal BankPrivate Bank3.00%
  22. 22Central Bank of IndiaPublic Sector Bank3.00%
  23. 23Indian BankPublic Sector Bank2.80%
  24. 24HDFC BankPrivate Bank2.75%
  25. 25ICICI BankPrivate Bank2.75%
  26. 26ESAF Small Finance BankSmall Finance Bank2.75%
  27. 27Kotak Mahindra BankPrivate Bank2.75%
  28. 28Union Bank of IndiaPublic Sector Bank2.70%
  29. 29Bank of MaharashtraPublic Sector Bank2.60%

Deposit ladder

What different amounts earn over 7-day

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 4.00%; deposits at or above it use the bulk card at 4.50%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹38₹50,038retail · 4.00%
₹1,00,0001 lakh₹76₹1,00,076retail · 4.00%
₹2,00,0002 lakh₹153₹2,00,153retail · 4.00%
₹5,00,0005 lakh₹382₹5,00,382retail · 4.00%
₹10,00,00010 lakh₹764₹10,00,764retail · 4.00%
₹20,00,00020 lakh₹1,527₹20,01,527retail · 4.00%
₹50,00,00050 lakh₹3,818₹50,03,818retail · 4.00%
₹1,00,00,0001 crore₹7,636₹1,00,07,636retail · 4.00%
₹2,50,00,0002.5 crore₹19,090₹2,50,19,090retail · 4.00%
₹5,00,00,0005 crore₹42,928₹5,00,42,928bulk · 4.50%
₹10,00,00,00010 crore₹85,856₹10,00,85,856bulk · 4.50%

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 7-day FDs.

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