Best FD rates above ₹3 crore
in India
Today's top bulk-deposit rate is 6.25%, offered by Central Bank of India — +10 bps above SBI. We compare 15 banks that publish ≥ ₹3 crore rates today, across SCBs and NBFCs.
Top rate
6.25%
Central Bank of India · 1-year
Spread vs default
+10 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
₹61.5 lakh
6.15% · 1-year FD on ₹10 cr
At Central Bank of India (top today)
₹62.5 lakh
6.25% · 1-year FD on ₹10 cr
Money on the table
₹1,00,000
10 bps spread · per year, every year
10 bps over ₹10 crore is ₹1,00,000 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
2 of 39
- 01
Central Bank of India
Scheduled Commercial Bank · Public
6.25% - 02
SBI
Scheduled Commercial Bank · Public
6.15%
Of the 15 banks publishing bulk-deposit rates, 5 are Scheduled Commercial Banks and 10 are NBFCs. The leader, Central Bank of India, pays +10 bps over SBI.
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