Capera

3,25,00,000 FD for 7 days

Matures at 3,25,27,903 at the highest published rate, 4.50% with State Bank of India.

Interest ₹21,727 to ₹27,903 across 4 banks · quarterly compounding, pre-tax · rates as of 24 Aug 2026

Tenor

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At ₹3 crore and above, banks quote from a separate bulk rate card rather than the retail one, so this page loads the bulk cohort. Every figure on this page is computed with quarterly compounding and is pre-tax.

What ₹3,25,00,000 becomes

Maturity value on a 7-day deposit

Across the 4 banks we track at this tenor, the interest on ₹3,25,00,000 spans ₹6,176 between the highest and lowest published rate. Quarterly compounding, pre-tax.

BankRateInterestMaturity valuevs median
State Bank of IndiaPSU4.50%27,9033,25,27,903+4,631
Central Bank of IndiaPSU4.00%24,8173,25,24,817+1,545
HDFC BankPvt3.50%21,7273,25,21,7271,545
ICICI BankPvt3.50%21,7273,25,21,7271,545

Published card rates, compounded quarterly. Your bank's own figure can differ by a few rupees depending on its day-count and compounding convention. Informational only, not a recommendation. Run your own numbers in the calculator →

Same deposit, longer lock-in

3,25,00,000 across every tenor

Highest published rate at each tenor, compounded quarterly, pre-tax.

TenorTop rateInterestMaturity value
7-day4.50%27,9033,25,27,903
30-day5.00%1,33,0053,26,33,005
90-day5.95%4,76,7673,29,76,767
180-day5.95%9,60,5283,34,60,528
1-year8.00%26,79,0453,51,79,045
2-year8.00%55,78,9303,80,78,930
3-year8.50%93,28,1064,18,28,106
5-year8.50%1,69,90,8324,94,90,832

Deposit ladder

Other deposit sizes 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₹50,0003850,038retail · 4.00%
1,00,0001 lakh761,00,076retail · 4.00%
2,00,0002 lakh1532,00,153retail · 4.00%
5,00,0005 lakh3825,00,382retail · 4.00%
10,00,00010 lakh76410,00,764retail · 4.00%
20,00,00020 lakh1,52720,01,527retail · 4.00%
50,00,00050 lakh3,81850,03,818retail · 4.00%
1,00,00,0001 crore7,6361,00,07,636retail · 4.00%
2,50,00,0002.5 crore19,0902,50,19,090retail · 4.00%
5,00,00,0005 crore42,9285,00,42,928bulk · 4.50%
10,00,00,00010 crore85,85610,00,85,856bulk · 4.50%

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

Figures are indicative and pre-tax, computed from each bank's published card rate with quarterly compounding. Capera is not a broker, dealer or investment adviser and does not accept deposits. Terms.