Best FD rates above ₹3 crore
in India
Today's top bulk-deposit rate is 8.25%, offered by Manipal Housing Finance — +200 bps above SBI. We compare 15 banks that publish ≥ ₹3 crore rates today, across SCBs and NBFCs.
Top rate
8.25%
Manipal Housing Finance · 1-year
Spread vs default
+200 bps
vs SBI
Banks publishing bulk
15
of 39 tracked
As of
9 May
2026
Money on the table
What it costs to park lazily.
At SBI
₹62.5 lakh
6.25% · 1-year FD on ₹10 cr
At Manipal Housing Finance (top today)
₹82.5 lakh
8.25% · 1-year FD on ₹10 cr
Money on the table
₹20.0 lakh
200 bps spread · per year, every year
200 bps over ₹10 crore is ₹20.0 lakh per year. The published rate is typically a floor — for amounts above ₹10 crore most banks negotiate an additional 10–30 bps.
Distribution
How bulk rates spread across the market
Each dot is one bank. NBFCs and Scheduled Commercial Banks are the two categories that publish bulk rates; Small Finance Banks generally don't.
The treasury leaderboard
15 of 39
- 01
Manipal Housing Finance
NBFC · Private
8.25% - 02
Muthoot Capital Services
NBFC · Private
7.65% - 03K
KTDFC
NBFC · Private
7.00% - 04
Sundaram Finance
NBFC · Private
6.97% - 05
PNB Housing Finance
NBFC · Private
6.85% - 06SC
Shriram City Union Finance
NBFC · Private
6.79% - 07
ICICI Home Finance
NBFC · Private
6.75% - 08
Sundaram Home Finance
NBFC · Private
6.70% - 09
LIC Housing Finance
NBFC · Private
6.70% - 10
Axis Bank
Scheduled Commercial Bank · Private
6.60% - 11
Mahindra Finance
NBFC · Private
6.60% - 12
SBI
Scheduled Commercial Bank · Public
6.25% - 13
HDFC Bank
Scheduled Commercial Bank · Private
6.25% - 14
ICICI Bank
Scheduled Commercial Bank · Private
6.25% - 15
Central Bank of India
Scheduled Commercial Bank · Public
6.20%
Of the 15 banks publishing bulk-deposit rates, 5 are Scheduled Commercial Banks and 10 are NBFCs. The leader, Manipal Housing Finance, pays +200 bps over SBI.
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