HSBC FD Interest Rates

HSBC is a leading brand in the banking sector offering a host of banking services, including fixed deposit schemes. HSBC fixed interest rates are comparable with their market counterparts. By making investments in HSBC Fixed Deposit schemes, you can benefit from the higher interest rates compared to savings bank accounts.

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Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
Bank of Baroda FD Rates 2.80% - 5.25% 3.30% - 6.25%
Bank of India FD Rates 2.85% - 5.05% 3.35% - 5.55%
Canara Bank FD Rates 2.90% - 5.40% 2.90% - 5.90%
Central Bank of India FD Rates 2.75% - 5.00% 2.90% - 3.25%
DBS Bank FD Rates 2.50% - 5.50% 3.50% - 6.00%
HDFC Bank FD Rates 2.50% - 5.60% 3.00% - 6.35%
IDFC Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
IndusInd Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Punjab National Bank FD Rates 2.90% - 5.25% 3.50% - 5.75%
SBI FD Rates 5.30% - 5.40% 5.80% - 6.20%
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
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FD accounts with HSBC bank are available for a diverse range of maturity periods beginning from 7 days to 5 years. HSBC bank offers a minimum interest rate of 2.75% and a maximum of 4% to the general public on their fixed deposits. Senior citizens are given an additional 0.5% interest on their FDs. This applies to all available maturity periods.

HSBC Fixed Deposit Rates 2025

The table below shows HSBC fixed interest rates for 2025:

Tenure Interest Rate (%)for Regular Citizens Interest Rate (%)for Senior Citizens
7 - 14 days 2.25 2.75
15 - 29 days 3 3.0
30 - 59 days 2.75 3.25 
60 - 89 days 2.80 2.30
90 - 269 days 3.0 3.5
270 - 399 days 3.10 3.60
400 days (less than 18 months) 3.25 3.75
18 months (599 days) 3.30 3.80
600 days 3.75 4.25
601 days (699 days)  3.30 3.80
700 days 4 4.50
701 days to 731 days 3.50 4
732 days to less than 36 months 3.60 4.10
36 months to 60 months 4 4.50
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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.

Here are some peculiarities of HSBC fixed deposit:

  • One can open an FD account with HSBC Bank online with a minimum deposit of Rs 10,000.
  • Special interest rates are offered for select tenures. For example, you receive 3.75% interest on an FD for 600 days. Senior citizens get 4.25% interest on the same scheme. 
  • Nominee facility is available on all HSBC fixed deposit accounts.
  • Premature withdrawal and liquidity options are available. You can also avail of overdrafts up to 85% of your fixed deposit amount.
  • All fixed deposit amounts attract certain tax benefits under section 80c of the Income Tax Act. The tax benefit can be up to Rs 150,000.

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About HSBC Fixed Deposit Interest Rate Calculator

HSBC Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • The amount that is invested

  • The Rate of Interest offered

  • The tenure of the Fixed Deposit Account

  • The compounding period, that is, yearly, half-yearly, quarterly, or monthly

  • The FD Amount

Once entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

HSBC Bank Fixed Deposit Rates: Things to Know

HSBC is a multinational bank with a presence in most countries around the world. Apart from online and branch visits, you can even open an HSBC FD account through a phone call.

The following are some additional features of HSBC Bank fixed deposit schemes:

  • Being an international bank, HSBC has more sophisticated processes and a banking environment. Customers benefit from its global presence and international standard of products and services. 
  • HSBC fixed deposit interest rates are comparable with similar products in the Indian market. It offers a minimum of 2.75% and a maximum of 4% interest on Fixed Deposits under Rs 2 crore. 
  • It offers an additional 0.5% interest to senior citizens on all tenures of FD. 

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.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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