Best FD rates above ₹3 crore
in India
Today's top bulk-deposit rate is 5.95%, offered by Axis Bank — +35 bps above SBI. We compare 5 banks that publish ≥ ₹3 crore rates today, across SCBs and NBFCs.
Top rate
5.95%
Axis Bank · 1-year
Spread vs default
+35 bps
vs SBI
Banks publishing bulk
5
of 39 tracked
As of
9 May
2026
Money on the table
What it costs to park lazily.
At SBI
₹56.0 lakh
5.60% · 1-year FD on ₹10 cr
At Axis Bank (top today)
₹59.5 lakh
5.95% · 1-year FD on ₹10 cr
Money on the table
₹3.5 lakh
35 bps spread · per year, every year
35 bps over ₹10 crore is ₹3.5 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
5 of 39
- 01
Axis Bank
Scheduled Commercial Bank · Private
5.95% - 02
SBI
Scheduled Commercial Bank · Public
5.60% - 03
HDFC Bank
Scheduled Commercial Bank · Private
5.50% - 04
ICICI Bank
Scheduled Commercial Bank · Private
5.25% - 05
Central Bank of India
Scheduled Commercial Bank · Public
5.00%
Of the 5 banks publishing bulk-deposit rates, 5 are Scheduled Commercial Banks and 0 are NBFCs. The leader, Axis Bank, pays +35 bps over SBI.
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The bulk-deposit playbook.
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