FIXED DEPOSIT RATES HDFC BANK
Is India's banking system ready for a risk-based premium system revolution?
India's central bank, RBI, will introduce a risk-based premium system for banks starting October 1. This new approach will see banks pay insurance rates according to their individual risk levels. This move aims to encourage safer banking practices and move away from the previous flat-rate system. The implementation is expected to bring significant changes to the banking sector.
Banks, you can raise your lending roofs
As Indian banks navigate a landscape of enhanced profitability through interest margins, they are poised for growth following the Reserve Bank of India's recent rate reductions. These banks are transitioning loans to more competitive funding benchmarks, enabling them to harness strong credit growth that's surpassing deposits.
These 7 banking stocks can give more than 17% returns in 1 year, according to analysts
Another week when a foreign entity took a large stake in an Indian bank. On the face of it, it might appear to be just another deal. But it is a reflection of a change in the attitude of the regulator. It is now comfortable with foreign entities owning stakes in Indian banks. This is very different from a decade back, when that was clearly a no-go area for any foreign entity. It is also an indication that as soon as foreign investors (who have been taking exposure in banks through the secondary market) make a comeback, the sector is likely to still be at the top of their list.
Banks getting it right, net interest margins on the mend
Eight of the 24 banks reporting Q2 earnings have seen sequential improvements in net interest margins (NIMs), signaling a potential bottoming out of this key profitability metric. Indian Overseas Bank led the pack, with its NIM rising 21 basis points to 3.21% following a business re-engineering initiative that increased MCLR-linked loans. Federal Bank also reported strong growth, with NIM up 12 basis points to 3.06%.
IDFC First Bank CEO V Vaidyanathan says microfinance stress is over, eyes 5.8% NIM in FY26
IDFC First Bank CEO V Vaidyanathan says the microfinance stress is behind and expects margins to improve beyond 5.8% in FY26 as deposit costs ease. With deposits at ₹2.7 lakh crore, strong CASA, and stable asset quality, he sees a steady rise in ROA and growth momentum in coming quarters.
Senior citizens get 8.10% interest in this FD; see the list of banks offering highest interest rates on 5-year fixed deposits
Senior citizens in India can now secure fixed deposit interest rates as high as 8.10% for a 5-year tenure, primarily offered by small finance banks. These competitive returns are available on deposits up to Rs 3 crore, subject to TDS. While small finance banks lead, private and public sector banks also offer attractive rates for senior investors.
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Over Rs 3 lakh lost: How choosing the wrong home loan interest rate cost borrowers dearly, what should you do now
Since EBLR's 2019 launch, fixed-rate home loan borrowers have paid Rs 3+ lakh more. Find out what changed and discover your escape route today.
Market Wrap: Sensex jumps 411 pts, Nifty tops 25,800 as Reliance, HDFC Bank rally post-earnings
Indian stock markets saw gains for the fourth consecutive session on Monday. The Sensex and Nifty both closed higher, driven by strong performances from Reliance Industries and HDFC Bank. These companies saw a boost following their recent financial results. However, profit-taking in ICICI Bank limited the overall market surge. Investors reacted positively to the corporate updates.
HDFC Bank a value play, but growth catch-up could take quarters: Digant Haria
Market expert Digant Haria observes India's financial sector's mixed performance. IndusInd Bank is consolidating post-turbulence, while life insurers are entering a market-linked returns phase. Reliance Industries faces limited upside due to scale and stake sales, and HDFC Bank needs more quarters to regain growth momentum.
Buy, Sell or Hold: Morgan Stanley remains overweight on HDFC Bank; Emkay Global recommends Buy on RIL
Top brokerages like Morgan Stanley and Emkay Global are optimistic about leading Indian banks and conglomerates. Morgan Stanley reiterates Overweight on HDFC Bank and ICICI Bank, citing strong fundamentals and growth. Emkay Global maintains a Buy on Reliance Industries, highlighting robust performance across its segments.
ICICI Bank shares fall nearly 3% after reporting Q2 results. Should you buy the dip?
ICICI Bank reported a 5.2% year-on-year increase in profit after tax to Rs 12,359 crore for Q2 FY26, driven by a 7.4% rise in net interest income. The bank also saw healthy growth in its deposit base and domestic loan portfolio, leading Elara Capital to maintain a 'Buy' rating with a target price of Rs 1,707.
HDFC Bank shares rise 2% to fresh 52-week high after Q2 profit climbs 11% YoY. Should you buy, sell or hold?
HDFC Bank reported a strong 11% year-on-year net profit growth to Rs 18,641 crore for Q2 FY26. Net interest income rose 4.8% to Rs 31,550 crore, with a healthy 15.1% increase in average deposits. Analysts maintain an 'Accumulate' rating, citing the bank's successful navigation of transition and focus on asset quality.
India bonds seen rangebound in holiday-shortened week, state debt sale eyed
The Indian government bond market appears poised for a week devoid of clear direction after last Friday's selloff saw benchmark yields exceed 6.50%. Traders are keenly observing today's sales of state debt, which may reveal market appetite. Don't forget, the markets will be closed for holidays on Tuesday and Wednesday.
HDFC Bank Q2 results: Standalone net profit rises 11% YoY to Rs 18,641 cr; NII witnesses 5% growth
HDFC Bank announced its second quarter results for FY26. The bank's net profit saw a 10.8% year-on-year increase, reaching Rs 18,641.28 crore. Net interest income also grew by 4.8% to Rs 31,550 crore. The net interest margin stood at 3.27% on total assets. These figures reflect the bank's performance in the recent past.
ET Prime Series: Q2 earnings estimate special Part 2 – Will banks deliver a surprise?
The earnings season is an important time in the yearly market calendar. If you are a trader, it is an opportunity to exploit the up/down movement of stock prices. As an investor, it helps you figure out whether managements are delivering on promises. It is also a volatile period – and with a good reason. There is something which causes the volatility. What is that something? Which stocks are going to be up or down earnings announcement day? The answers depend on many factors. While many of them cannot be tracked, some can be. Prices are not reacting to the absolute numbers delivered; they are reacting to the surprise relative to what was priced in.
How safe is your money in Venmo, PayPal, and Cash app? Here's how to protect your hard-earned cash
Venmo, PayPal, and Cash App are popular for sending money, but keeping cash in them is risky. These apps are not insured like banks, and money can be lost. Safe alternatives include high-yield savings accounts, interest checking, or CDs. Regularly moving money to a bank protects it and can earn interest while keeping your cash safe.
HDFC Bank Q2 results preview: PAT may grow up to 9% YoY, NII to rise up to 6% amid margin squeeze. 9 metrics to track
HDFC Bank is set to announce its Q2 earnings on October 18. Analysts predict a modest profit growth of up to 9% year-on-year. Net Interest Income is expected to rise between 3% and 6%. Margins could face pressure due to rising funding costs. Investors will watch for management commentary on deposit growth and future margin trends.
Why these Post Office schemes are still the smartest tax-free investment bet even in the New Income Tax Regime Era?
While a good number of Indians ditched the old tax regime (and its 80C deductions), here's what they may be missing: tax-free compounding that works under any regime. While the new regime took away deductions, it can’t touch these exemptions of these two post office schemes.
Lock in stability before rate cuts: Jiraaf’s Saurav Ghosh on why AAA bonds deserve a place in every portfolio
Investors are eyeing AAA-rated corporate bonds for stable returns as India's interest rates stabilize. These bonds offer high credit quality and predictable income, outperforming fixed deposits. Experts suggest 2025 could be a key year for fixed-income investments. Investors should check credit ratings, issuer track records, and tax implications before investing. Platforms registered under SEBI's framework ensure secure transactions.
Laid off suddenly? Experts reveal the number 1 savings tool to use if you lose your job
Layoffs 2025: With job layoff fears rising and nearly 950,000 jobs cut this year, Certificates of Deposit (CDs) offer a secure way to build an emergency fund. CDs provide higher fixed interest rates than savings accounts, with options like CD ladders and no-penalty CDs to balance liquidity and growth during uncertain times.
Learn With ETMarkets: Why blue-chip corporate bonds are gaining popularity in 2025
In 2025, AAA and blue-chip corporate bonds are gaining popularity as investors seek stable, predictable returns that outperform fixed deposits. High credit quality, attractive yields, low volatility, and improved liquidity make them a preferred choice for portfolio diversification and capital preservation amid moderating interest rates.
Surrender Rs 173.14 cr of illegal gains, SEBI orders 8 traders in insider trading case linked to IEX
The Securities and Exchange Board of India (SEBI) has, in an interim order dated October 15, directed several entities involved in insider trading in the scrip of Indian Energy Exchange Ltd. (IEX) to deposit a total of Rs 173.14 crore.
SBI lending rates latest update: Has State Bank of India lowered its MCLR rates for home, personal loans?
State Bank of India has maintained its Marginal Cost of Funds Based Lending Rate (MCLR) and External Benchmark-linked Rates for October 2025. This decision follows the Reserve Bank of India's stance of keeping repo rates unchanged at 5.5% during its October 1, 2025 Monetary Policy Committee meeting.
These 8 banking stocks can give more than 21% returns in 1 year, according to analysts
In the last two trading sessions, banking stocks have witnessed slightly higher volatility. But don’t assume that volatility is always a bad word. Some banks will report their numbers soon, and given that interest rates are headed south, there might be some pressure on margins, which should not be a surprise. Sometimes, volatility is an opportunity if things are improving structurally. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members.
Up to 8.15% FD rate for senior citizens investing for three years; Here’s the full list of banks
Senior citizens can now invest in fixed deposit and get interest rates as high as 8.15% for a three-year term, with Utkarsh Small Finance Bank leading the pack. Other banks like Jana and Ujjivan also offer competitive rates. Remember, TDS is deducted if annual FD interest exceeds Rs 1 lakh, but Form 15H can help eligible individuals avoid it. Know how.
Indian banks face slow loan growth and muted earnings in September quarter
Indian banks are poised for a tepid September quarter with muted earnings and loan growth, driven by a slowdown in retail and corporate segments. Analysts anticipate weaker treasury gains and potential net interest margin compression due to rising bond yields and recent repo rate cuts. Asset quality in SME and commercial vehicle segments remains a key concern.
Motilal Oswal recommends HDFC Bank, SBI as top picks ahead of RBI’s ECL regime transition
RBI’s draft ECL framework and revised credit risk capital norms aim to modernise India’s banking sector, promoting forward-looking risk management and capital efficiency. Scheduled banks will adopt model-based provisioning by FY2032, enhancing transparency and resilience. Strong private and public lenders are poised to benefit, with HDFC Bank and SBI as top picks.
5.5% interest on savings account: Yes, this bank offers it without higher balance requirement
slice Small Finance Bank is offering a 5.5% interest rate on all its savings account deposits. This rate is the highest among all banks and small finance banks on deposits up to Rs 1 lakh.
Bank credit growth surprises; PSU vs private bank performance in focus: Pranav Gundlapalle
Indian banks are experiencing stronger than expected loan growth. This pickup signals improving demand across the sector. Analysts are now focusing more on bank margins for the current quarter. Deposit growth is being managed to protect profitability. The outlook for earnings in FY26 is positive, with potential for upside surprises.
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