HDFC Bank
State Bank of India
Fixed deposit rates,
side by side.
Headline rates
1-year retail
HDFC Bank
1-year retail
State Bank of India
5-year retail
HDFC Bank
5-year retail
State Bank of India
Worked example
What ₹10 lakh would earn over 1 year.
HDFC Bank
State Bank of India
Difference: ₹0 over the year. Simple-interest approximation; actual yield depends on compounding frequency.
Rate × tenor
The full curve.
Slab-by-slab
Every tenor, both banks.
| Tenor | Bucket | Rate |
|---|---|---|
| 7 – 14 days | SHORT | 2.75% |
| 15 – 29 days | SHORT | 2.75% |
| 30 – 45 days | MEDIUM | 3.25% |
| 46 – 60 days | MEDIUM | 4.25% |
| 61 – 89 days | MEDIUM | 4.25% |
| 90 days – 6 months | MEDIUM | 4.25% |
| 6 months 1 day – 9 months | MEDIUM | 5.50% |
| 9 months 1 day – less than 1 year | MEDIUM | 5.75% |
| 1 year – less than 15 months | LONG | 6.25% |
| 15 months – less than 18 months | LONG | 6.35% |
| 18 months – less than 21 months | LONG | 6.45% |
| 21 months – 2 years | LONG | 6.45% |
| 2 years 1 day – less than 2 years 11 months | LONG | 6.45% |
| 2 years 11 months (35 months) | LONG | 6.45% |
| 2 years 11 months 1 day – 3 years | LONG | 6.45% |
| 3 years 1 day – less than 4 years 7 months | LONG | 6.50%★ best |
| 4 years 7 months (55 months) | LONG | 6.40% |
| 4 years 7 months 1 day – 5 years | LONG | 6.40% |
| 5 years 1 day – 10 years | ULTRA-LONG | 6.15% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 45 days | MEDIUM | 3.05% |
| 46 days to 179 days | MEDIUM | 4.90% |
| 180 days to 210 days | MEDIUM | 5.65% |
| 211 days to less than 1 year | MEDIUM | 5.90% |
| 1 year to less than 2 year | LONG | 6.25% |
| 444 days (Amrit Vrishti) | LONG | 6.45%★ best |
| 2 years to less than 3 years | LONG | 6.40% |
| 3 years to less than 5 years | LONG | 6.30% |
| 5 years and up to 10 years | ULTRA-LONG | 6.05% |
Pick any two banks
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