Fixed
deposits or FDs are offered by banks and
additionally corporate houses. Be that as it may, settled store (FD) loan fees
of non-keeping money back organizations are more alluring than their managing
an account peers. This is on the grounds that the dangers related with
corporate Fixed deposits are higher than
bank Fixed deposits , say specialists. "Clients ought to put resources
into high-evaluated corporate (settled) stores with AAA or equal rating, and
abstain from picking a low-FICO assessment organization. In any case, the
individuals who are extremely chance unwilling should keep picking bank Fixed
deposits which guarantee a mental solace
Bank Fixed
deposits are anchored by the Reserve
Bank of India up to Rs. 1 lakh. This implies regardless of whether a bank goes
bankrupt, every investor will get this total. Corporate Fixed deposits don't offer any such security. In the event
that the non-managing an account back organization leaves stores, it may
default on intrigue installments.
Given below are interest rates on fixed deposits (FD) offered by SBI, HDFC Bank, ICICI Bank, Bajaj Finserv :
Fixed deposit interest rates of State Bank of India (SBI) (Below Rs. 1 crore) from sbi.co.in
The following fixed deposit interest rates came into effect on May 28, said SBI.
Tenors
|
Interest
rate (in per cent) for public w.e.f. 28.05.2018
|
Interest
rate for senior citizens w.e.f. 28.05.2018
|
7 days
to 45 days
|
5.75
|
6.25
|
46 days
to 179 days
|
6.25
|
6.75
|
180
days to 210 days
|
6.35
|
6.85
|
211
days to less than 1 year
|
6.4
|
6.9
|
1 year
to less than 2 year
|
6.65
|
7.15
|
2 years
to less than 3 years
|
6.65
|
7.15
|
3 years
to less than 5 years
|
6.7
|
7.2
|
5 years
and up to 10 years
|
6.75
|
7.25
|
(Source:
sbi.co.in)
|
||
Fixed Deposit interest rates of HDFC Bank
Domestic / NRO / NRE Fixed Deposits
The following fixed deposit interest rates are applicable from July 6, 2018, according to hdfcbank.com.
Domestic / NRO / NRE Fixed Deposits
The following fixed deposit interest rates are applicable from July 6, 2018, according to hdfcbank.com.
Rate of Interest (% p.a.) w.e.f July 6, 2018
|
||
Tenure
|
Interest rate for general public
|
Interest rate for senior citizen
|
7 - 14
days
|
3.50%
|
4.00%
|
15 - 29
days
|
4.25%
|
4.75%
|
30 - 45
days
|
5.75%
|
6.25%
|
46 - 60
days
|
6.25%
|
6.75%
|
61 - 90
days
|
6.25%
|
6.75%
|
91 days
- 6 months
|
6.25%
|
6.75%
|
6
months 1 day- 6 months 3 days
|
6.35%
|
6.85%
|
6
months 4 days
|
6.35%
|
6.85%
|
6
months 5 days- 9 months
|
6.40%
|
6.90%
|
9
months 1 day- 9 months 3 days
|
6.40%
|
6.90%
|
9
months 4 days
|
6.40%
|
6.90%
|
9
months 5 days - 9 months 15 days
|
6.40%
|
6.90%
|
9
months 16 days
|
6.40%
|
6.90%
|
9
months 17 days < 1 Year
|
6.40%
|
6.90%
|
1 Year
|
6.85%
|
7.35%
|
1 year
1 day - 1 year 3 days
|
6.65%
|
7.15%
|
1 year
4 days
|
6.65%
|
7.15%
|
1 year
5 days - 1 Year 15 Days
|
6.65%
|
7.15%
|
1 Year
16 days
|
6.65%
|
7.15%
|
1 year
17 days - 2 Years
|
7.00%
|
7.50%
|
2 years
1day - 2 Years 15 days
|
7.00%
|
7.50%
|
2
Years 16 days
|
7.00%
|
7.50%
|
2
years 17 days - 3 Years
|
7.00%
|
7.50%
|
3 years
1day - 5 years
|
7.00%
|
7.50%
|
5 Years
1 Day - 8 Years
|
6.00%
|
6.50%
|
8 Years
1 Day - 10 Years
|
6.00%
|
6.50%
|
(Source:
hdfcbank.com)
|
||
Fixed deposit interest rates of ICICI Bank
Interest rates on Domestic, NRO & NRE deposits (Less than Rs. 1
crore) from icicibank.com
Rate of Interest (% p.a.) w.e.f June 07, 2018
|
||
Tenure
|
General public
|
Senior Citizen
|
7 days
to 14 days
|
4
|
4.5
|
15 days
to 29 days
|
4.25
|
4.75
|
30 days
to 45 days
|
5.5
|
6
|
46 days
to 60 days
|
5.75
|
6.25
|
61 days
to 90 days
|
6
|
6.5
|
91 days
to 120 days
|
6
|
6.5
|
121
days to 184 days
|
6
|
6.5
|
185
days to 289 days
|
6.25
|
6.75
|
290
days to less than 1 year
|
6.5
|
7
|
1 year
to 389 days
|
6.6
|
7.1
|
390
days to 2 years
|
6.75
|
7.25
|
2 years
1 day upto 5 years
|
7
|
7.5
|
5 years
1 day upto 10 years
|
7
|
7.5
|
5 Years
Tax saver FD(Max upto Rs. 1.50 lac)
|
7
|
7.5
|
(Source:
icicibank.com)
|
||
Customers can choose from cumulative fixed deposits (where interest is
payable at the time of maturity) or non-cumulative fixed deposits (where
interest may be payable at monthly, quarterly, half-yearly or annual basis),
said Bajaj Finserv at bajajfinserv.in.
Tenor in Months
|
Minimum deposit size (in Rs.)
|
Cumulative
|
Non-Cumulative
|
|||
Monthly
|
Quarterly
|
Half-yearly
|
Yearly
|
|||
12 – 23
|
25, 000
|
7.60%
|
7.35%
|
7.39%
|
7.46%
|
7.60%
|
24 – 35
|
8.15%
|
7.88%
|
7.93%
|
8.00%
|
8.15%
|
|
36 – 60
|
8.40%
|
8.13%
|
8.18%
|
8.25%
|
8.40%
|
|
Special tenors scheme
|
||||||
15
|
1, 00, 000
|
7.85%
|
7.60%
|
7.64%
|
7.71%
|
7.85%
|
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