Interest Rates
3.00% – 7.25%
Time Period
7 days – 10 years
Min - Max Amount
₹10,000 - No upper limit
Compounding
Quarterly
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Expected Rate of Return
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Invested Amount
₹ 10,000
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Standard Chartered Bank operates as a leading international banking group with a significant presence across multiple continents. The bank has deep roots in emerging markets, particularly in Asia, Africa, and the Middle East. Established in 1969 through the merger of two original banks, its history spans over 160 years. The bank's Indian operations began in 1858, making it one of the oldest foreign banks in the country.
The bank maintains its global headquarters in London, United Kingdom. It serves a diverse client base including private individuals, small to medium enterprises, and large corporations. Standard Chartered Bank India offers comprehensive financial products and services. These include retail banking, wealth management, and corporate and institutional banking.
In India, the bank has built a strong reputation for its international connectivity and expertise. It operates through a network of branches in major metropolitan cities and tier-2 centres. The bank leverages its global presence to serve Non-Resident Indians and facilitate cross-border banking. This international focus distinguishes it from domestic banking competitors.
Standard Chartered's fixed deposit schemes reflect its commitment to secure investment solutions. The bank offers competitive interest rates with flexible tenure options. Its strong credit ratings provide assurance to depositors regarding the safety of their funds. The bank combines international standards with local market understanding.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 – 14 days | 3.00% | 3.50% |
15 – 30 days | 3.00% | 3.50% |
31 – 45 days | 3.50% | 4.00% |
46 – 90 days | 4.25% | 4.75% |
91 – 179 days | 4.50% | 5.00% |
180 – 269 days | 5.75% | 6.25% |
270 days – less than 1 year | 6.00% | 6.50% |
1 year – 389 days | 6.75% | 7.25% |
390 days – less than 2 years | 6.80% | 7.30% |
2 years – less than 3 years | 6.85% | 7.35% |
3 years – 5 years | 6.90% | 7.40% |
5 years – 10 years | 6.95% | 7.45% |
Note: The data is as of July 11, 2025
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 – 14 days | 3.25% | 3.75% |
15 – 30 days | 3.25% | 3.75% |
31 – 45 days | 3.75% | 4.25% |
46 – 90 days | 4.50% | 5.00% |
91 – 179 days | 4.75% | 5.25% |
180 – 269 days | 6.00% | 6.50% |
270 days – less than 1 year | 6.25% | 6.75% |
1 year – 389 days | 7.00% | 7.50% |
390 days – less than 2 years | 7.05% | 7.55% |
2 years – less than 3 years | 7.10% | 7.60% |
3 years – 5 years | 7.15% | 7.65% |
5 years – 10 years | 7.20% | 7.70% |
Note: The data is as of July 11, 2025
Standard Chartered Bank Fixed Deposits offer a secure investment avenue with competitive interest rates. The bank provides preferential rates for senior citizens across all deposit tenures. Investors can choose from flexible tenure options ranging from 7 days to 10 years. The minimum investment amount is set at an accessible ₹10,000 with no maximum limit.
The bank offers multiple interest payout frequencies including monthly, quarterly, and cumulative options. Depositors can avail loans against their fixed deposits up to 90% of the deposit value. The nomination facility ensures smooth succession and estate planning for investors. Standard Chartered's strong international presence provides additional confidence to depositors.
All fixed deposits are covered by the highest safety ratings from CRISIL and ICRA. The bank provides seamless digital access through its online banking platform and mobile application. Customers can easily track their investments and manage renewals through digital channels. The combination of security, flexibility, and service makes these FDs a reliable choice.
The Regular Fixed Deposit is available to all resident individual customers. It offers competitive interest rates for tenures from 7 days to 10 years. Investors can select their preferred interest payout frequency according to their needs. The scheme provides the flexibility of premature withdrawal with applicable charges.
This scheme is exclusively designed for customers aged 60 years and above. It offers an additional interest rate of 0.50% across all tenure buckets. The enhanced returns provide better income for retirees and senior individuals. Special services and dedicated support are available for senior citizen depositors.
Standard Chartered's Tax Saver FD comes with a five-year lock-in period. Investments up to ₹1.5 lakh qualify for tax deduction under Section 80C. No premature withdrawal is permitted except in case of the depositor's demise. The interest earned is taxable as per the investor's income tax slab.
The Flexi FD allows investors to park surplus funds above a threshold amount. It automatically transfers excess savings account balances to fixed deposits. The scheme offers the dual benefit of liquidity and higher returns. This ensures optimal returns on idle funds while maintaining accessibility.
This scheme is designed for Non-Resident Indians wanting to invest in India. The principal and interest are fully repatriable for NRE account holders. It offers competitive interest rates comparable to domestic fixed deposits. The scheme helps NRIs maintain financial connections with India.
NRO Fixed Deposits are for managing income earned in India by NRIs. Only the interest component is repatriable subject to applicable regulations. It offers similar interest rates and features as domestic fixed deposits. This scheme facilitates easy management of Indian income for overseas residents.
Short-term FDs cover tenures from 7 days to less than one year. Interest rates range from 3.00% to 6.00% for regular customers. Senior citizens earn between 3.50% and 6.50% for the same periods. These deposits suit investors seeking better returns on temporary surplus funds.
Medium-term deposits span from 1 year to less than 3 years. Regular investors can earn between 6.75% and 6.85% interest. Senior citizens receive 7.25% to 7.35% for these tenures. This category balances reasonable returns with medium-term commitment.
Long-term FDs range from 3 years to 10 years duration. Regular customers earn up to 6.95% interest for extended tenures. Senior citizens can avail up to 7.45% for long-term investments. These are ideal for retirement planning and long-range financial goals.
| Tenure Range | Institution Name | Interest Rate Range (%p.a.) |
|---|---|---|
| 5 years – 10 years | 7.20› |
 | 18 months – <2 years | 6.75› |
 | Above 1 year to less than 2 years | 7.00› |
 | 15 months to less than 18 months | 7.25› |
 | 365 days | 7.25› |
Note: The data is as of July 11, 2025
Existing Standard Chartered customers can log in to their online banking portal. Navigate to the 'Accounts' section and select 'Open Fixed Deposit'. Choose the preferred FD type, tenure, and interest payout frequency. Enter the deposit amount and confirm nominee details if required.
Review all the entered information carefully before submission. The system will display the applicable interest rate for the selected tenure. Authorise the transaction using your preferred authentication method. The amount will be debited from your linked savings account instantly.
Upon successful processing, the system generates a digital confirmation. The fixed deposit receipt is available for download immediately. Customers receive email confirmation with all relevant details. The entire process is paperless and can be completed within minutes.
Visit your nearest Standard Chartered Bank branch with necessary documents. Collect and fill the fixed deposit application form completely. Provide all required personal and deposit-related information. Submit the form along with self-attested KYC documents.
Make the initial deposit through cash, cheque, or transfer from your account. The bank executive will verify all documents and information. Upon successful processing, you receive a physical fixed deposit receipt. This receipt serves as proof of your investment until maturity.
Standard Chartered Bank allows resident individuals to open fixed deposit accounts. Joint accounts with up to three holders are permitted under the scheme. Senior citizens aged 60 years and above qualify for special rates. Minors can open accounts through their natural or legal guardians.
Hindu Undivided Families (HUFs) are eligible to invest in these fixed deposits. Sole proprietorship firms and partnership firms can open corporate FDs. Limited companies, trusts, and societies may also apply for deposits. Non-Resident Indians can invest through NRE and NRO fixed deposit schemes.
Submit proof of identity such as PAN card, Aadhaar card, or passport. Provide proof of address through Aadhaar, utility bills, or bank statements. Recent passport-sized photographs are required for account opening. PAN card is mandatory for all fixed deposit investments.
For joint accounts, all holders must submit their KYC documents. Minor accounts require birth certificate and guardian's KYC documents. Corporate entities need certificate of incorporation and authorised signatory list. All documents must be valid and self-attested where required.
Interest earned on fixed deposits is taxable under Income Tax laws. It is classified as 'Income from Other Sources' in your tax return. The bank deducts TDS at 10% if annual interest exceeds ₹40,000. For senior citizens, the TDS threshold is higher at ₹50,000.
If you haven't provided PAN details, TDS deducts at 20%. Submit Form 15G/15H if your total income is below taxable limits. Tax Saver FD investments qualify for Section 80C deduction. However, the interest component remains fully taxable each year.
Standard Chartered permits premature withdrawal of fixed deposits. A penalty of 1% is charged on the contracted interest rate. No interest is paid if the FD is withdrawn within 7 days. Tax Saver FDs cannot be withdrawn before completing 5 years.
Log in to your Standard Chartered online banking account and navigate to the fixed deposits section. Select your preferred tenure and amount to complete the FD booking process instantly.
The minimum investment required for a Standard Chartered Fixed Deposit is ₹10,000. There is no maximum limit for investments in these deposit schemes.
Standard Chartered offers tenure options from 7 days up to 10 years for regular FDs. The Tax Saver FD has a fixed tenure of 5 years as per regulatory requirements.
Existing Standard Chartered customers with active internet banking access can open digital FDs. New customers must first complete the bank account opening process with full KYC documentation.
The highest rate for regular customers is 7.20% for large deposits of 5-10 years tenure. Senior citizens can earn up to 7.70% for similar deposit amounts and tenure.
Use the FD calculator on the bank's website to estimate your interest income and maturity amount. This helps in planning your tax liabilities and Section 80C investments effectively.
Choose cumulative FDs for compounding benefits and opt for longer tenures to lock in higher rates. Senior citizens should always avail special rates and avoid premature withdrawals to prevent penalty charges.
