HSBC FD Interest Rates

Top Guaranteed Return Plans

Fixed return plans are guaranteed returns as well as life insurance. They are suitable for risk-averse investors and guarantee stable growth that is not dependent on market instability.

What is an HSBC Fixed Deposit?

An HSBC Fixed Deposit is a secure and reliable investment product that allows you to deposit a lump sum of money for a fixed period to earn a predetermined interest rate. It's a popular choice for those who want guaranteed returns without the risks associated with market-linked investments.

Information About FDs & Other Options

When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.

HSBC Fixed Deposit: Key Highlights

HSBC FD Interest Rates: Latest Updates 

The bank has lowered its 3-month time deposit rate to its HSBC Premier customers by 0.1 percentage points to 3.1 percent, and this rate is now the same as the 6-month rate.

Latest HSBC FD Interest Rates 2026

Find the latest updated FD interest rates offered by HSBC for 2026 . Make sure to check them according to your needs - 

Fixed Deposit Interest Rates for Residents Below Rs 3 Crore 

*HSBC Bank FD Interest Rates w.e.f 17th July 2025

FD Interest Rates for Residents above Rs 3 Crore, less than Rs 5 Crores

*HSBC Bank FD Interest Rates as of 11th December 2025

Types of HSBC FD Schemes 

1. Regular Fixed Deposit

    This is the standard FD for resident individuals. It allows for a one-time deposit for a fixed tenure, with interest earned on the principal. You can choose to receive interest payouts periodically (monthly or quarterly) or at maturity.

   • Flexible Tenure: 7 days to 10 years
   • Liquidity: overdraft facility against your FD
   • Auto-Renewal: Available 
   • Interest Payout Options - Monthly or Quarterly 

2. Smart Money Account

    This is a hybrid account that links your FD to your savings account. It provides the high-earning potential of an FD with the liquidity of a savings account. 

   • Loan Facility - up to 90% of the loan amount
   • Dual Benefit: You pay interest only on the amount you withdraw
   • Anytime access - 24 hours accessible through phone banking
   • Higher interest rates - Minimum FD of INR25,000 and get high returns

3. Tax Saver FD

    This scheme offers a tax deduction on the invested amount under Section 80C of the Income Tax Act. It has a mandatory lock-in period of 5 years.

   • Tax Benefit: up to ₹1.5 lakh is eligible for a tax deduction
   • Tenure - Lock-in period of 5 years
   • High Savings - encouraging long-term, disciplined savings
   • TDS - Applicable under Section 80C

4. RFC (Resident Foreign Currency) Fixed Deposit

    This is for returning NRIs who wish to hold funds in foreign currencies. The funds are fully repatriable, but the interest earned is taxable in India.

   • For Returning NRIs: This scheme allows returning NRIs 
   • No Conversion Risk: Can convert foreign currencies to INR 
   • Tax Exemption: Available 
   • Transfer Funds - from an existing NRE/FCNR Account to other Banks

Features of HSBC Bank Fixed Deposit

HSBC Fixed Deposit Account allows you to earn a higher interest rate at low risk. It has other benefits like easy opening of accounts, premature withdrawal, and closure of the account.

• Minimum Deposit and Account Opening - You can open a fixed deposit account with HSBC Bank online with a minimum deposit of ₹10,000. This is a convenient option for individuals who already have a savings account with the bank, allowing them to start a new FD 
• Special Interest Rates - HSBC Bank offers special, higher interest rates for select tenures to provide enhanced returns on your investment. These rates vary, so it is always recommended to check the bank’s website or consult a customer service officer for the latest offerings to ensure you get the best possible return on your fixed deposit.
• Nomination Facility - To ensure a smooth and secure transfer of funds, the nomination facility is available on all HSBC fixed deposit accounts. This feature allows you to appoint a nominee who can claim the deposit proceeds in the event of your death.
• Tax Benefits - All HSBC fixed deposits attract certain tax benefits under Section 80C of the Income Tax Act, with the tax benefit for the principal amount being up to ₹1.5 lakh. However, it's crucial to note that only specific Tax Saver FDs are eligible for this deduction and come with a 5-year lock-in period. 
• Premature Withdrawal and Loan Facility - HSBC allows you to withdraw your fixed deposit before its maturity date, but this is subject to a penalty. Additionally, you can get a loan against your FD, with some schemes, like the Smart Money Account, allowing you to withdraw up to 90% of your deposit amount as an overdraft.
• Nomination and Auto-Renewal - For your peace of mind, all fixed deposits offer a nomination facility, which makes it easier for a designated person to claim the funds in case of an unforeseen event. The bank also provides an auto-renewal option, where your deposit will automatically be renewed for the same tenure.
• High Interest Rates for Senior Citizens - HSBC offers an additional interest rate of up to 0.50% over and above the regular rates for senior citizens, providing them with a better return on their savings.
• Tax-Saver Fixed Deposit - While the interest earned on a regular FD is taxable, HSBC offers a Tax-Saver FD that is eligible for a deduction of up to ₹1.5 lakh under Section 80C of the Income Tax Act. This type of FD has a mandatory lock-in period of 5 years.

How to open an HSBC FD

There are two main ways through which you can invest in an HSBC FD: by visiting the official website / netbanking, or by visiting a bank branch. Below, both ways are explained; choose one of your choice. 

Online - 

You can book your HSBC FD online by simply following these steps - 

• Netbanking or official Website - Visit the HSBC Internet Banking site, and log in to your account.
• “Click Open New Deposit” - Click on Accounts and Open New Fixed Deposit.
•  Select your FD Type - Select type, currency, and tenure of your FD.
• Choose Account - Choose the account through which you will use the funds to open your FD account.
• Make Payment - In the Amount to Debit, enter the FD amount.
• Confirmation - Click on Confirm to open your Fixed Deposit.
• Receipt Generation - The receipt will be generated online. 

Offline 

The people who are not comfortable with the online process can visit the bank and follow the steps.

• Visit an HSBC Bank branch - Go to the bank and request an FD form
• Ask for the FD Form - The bank executive will help with it. 
• Complete the Form - Submit the completed form along with the required documents.
• Make the Payment - Deposit the amount you wish to invest in the FD.
• Confirmation and Receipt - HSBC Bank will provide an FD receipt once it is processed.

Eligibility Criteria for HSBC Bank FD

• Resident individuals
• Non-resident Indians
• Minors

Summing it Up

HSBC Bank is a prestigious name in the banking sector globally. It offers a wide array of products and services, including fixed deposit plans. HSBC Fixed Interest Rate is both competitive in the market and attractive to investors. For higher standards of services and banking experience, choose HSBC Bank.