SIRIUS PULSEBETA
SIRIUS CAPITAL SERVICES LTD.
▸ FINANCIAL PRODUCTS
FIXED DEPOSITS
Indicative rates · Verify with issuer before investing
CORPORATE FIXED DEPOSITS
NBFC
Higher rates · Not bank-insured
SHRIRAM FINANCE
Non-Banking Financial Company
| Tenure | General | Senior (+0.50%) |
|---|---|---|
| 12 Months | 6.75% | 7.25% |
| 18 - 23 Months | 7.00% | 7.50% |
| 24 - 35 Months | 7.05% | 7.55% |
| 36 - 60 Months | 7.25% | 7.75% |
Women depositors: +0.05% additional
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BAJAJ FINANCE
Non-Banking Financial Company
| Tenure | General | Senior (+0.35% incl.) |
|---|---|---|
| 12 – 17 Months | 6.60% | 6.95% |
| 18 – 30 Months | 6.85% | 7.20% |
| 31 – 60 Months | 7.40% | 7.75% |
Rates effective 1 May 2026.
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MAHINDRA FINANCE
Non-Banking Financial Company
⚠️
NEW RATES EFFECTIVE 22-MAY-2026
· To be announced
| Tenure | General | Senior (+0.25%) |
|---|---|---|
| 12 Months | 6.60% | 6.85% |
| 24 Months | 7.00% | 7.25% |
| 36 Months | 7.00% | 7.25% |
| 48 Months | 7.00% | 7.25% |
| 60 Months | 7.00% | 7.25% |
Interest rates w.e.f. 18 Mar 2026
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LIC HOUSING FINANCE
Non-Banking Financial Company
6.90%
Max Rate p.a.
| Tenure | General | Senior (+0.25%) |
|---|---|---|
| 1 Year | 6.70% | 6.95% |
| 15 Months | 6.75% | 7.00% |
| 18 Months | 6.75% | 7.00% |
| 2 Years | 6.80% | 7.05% |
| 3 Years | 6.85% | 7.10% |
| 5 Years | 6.90% | 7.15% |
LIC Group backing. Min ₹2L for monthly payout
PNB HOUSING FINANCE
Non-Banking Financial Company
6.90%
Max Rate p.a.
| Tenure | General | Senior (+0.25%) |
|---|---|---|
| 12 - 23 Months | 6.60% | 6.85% |
| 24 - 35 Months | 6.75% | 7.00% |
| 36 - 47 Months | 6.90% | 7.15% |
| 48 - 59 Months | 6.90% | 7.15% |
| 60 Months | 6.90% | 7.15% |
Senior benefit applicable up to ₹1 Cr
GOVERNMENT SECURITIES
SOVEREIGN
Govt. of India · Zero credit risk
FLOATING RATE SAVINGS BONDS 2020
Government of India · Reserve Bank of India
8.05%
Max Rate p.a.
| Period | Rate p.a. |
|---|---|
| Current Period (Jan – Jun 2026) | 8.05% |
Rate reset every 6 months · Linked to NSC rate + 0.35% spread · Not tradeable or transferable · Available at RBI Retail Direct & major banks
BANK FIXED DEPOSITS
SCHEDULED BANKS
DICGC insured up to ₹5L per depositor
HDFC BANK
Scheduled Commercial Bank · RBI Regulated
6.50%
Max Rate p.a.
| Tenure | General | Senior (+0.50%) |
|---|---|---|
| 7 - 14 days | 2.75% | 3.25% |
| 15-29 days | 2.75% | 3.25% |
| 30-45 days | 3.25% | 3.75% |
| 46-60 days | 4.25% | 4.75% |
| 61-89 days | 4.25% | 4.75% |
| 90 days <= 6 months | 4.25% | 4.75% |
| 6 months 1 day <=9 months | 5.50% | 6.00% |
| 9 months 1 day to < 1 Year | 5.75% | 6.25% |
| 1 Year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.35% | 6.85% |
| 18 months to < 21 months | 6.45% | 6.95% |
| 21 months to 2 years | 6.45% | 6.95% |
| 2 Years 1 day to < 2 Year 11 Months | 6.45% | 6.95% |
| 2 Years 11 Months (35 months) | 6.45% | 6.95% |
| 2 Years 11 Months 1 day <= 3 Year | 6.45% | 6.95% |
| 3 Years 1 day to < 4 Years 7 Months | 6.50% | 7.00% |
| 4 Year 7 Months (55 months) | 6.40% | 6.90% |
| 4 Year 7 Months 1 day <=5 Years | 6.40% | 6.90% |
| 5 Years 1 day to 10 Years | 6.15% | 6.65% |
Tax-saver FD (5Y lock-in): 6.15%
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Rates are indicative, sourced from publicly available data (Apr 2026). Actual rates may differ — verify with the issuer before investing.
Credit ratings by CRISIL / ICRA / CARE are subject to revision. DICGC insurance covers bank deposits up to ₹5,00,000 per depositor per bank.
This page does not constitute investment advice. · © 2026 Sirius Capital Services Ltd.