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Data & Methodology

Public comparisons read our maintained database. They do not scrape rate websites when you calculate. The initial factual dataset was imported on 2 October 2026 from published financial-rate references. Descriptive articles have not been copied.

Each rate record stores a lender, product, depositor category, annual rate or range, tenure, source URL, source date, maintained date, optional effective date and qualifying notes. The source date reflects the reference’s stated update date; it is not necessarily the lender’s effective date.

FD data uses exact published 12, 36 and 60-month rates. We do not extrapolate a highest rate to arbitrary tenures. Senior rates are added only when the source gives an unambiguous increment. Variable senior increments need further verification before import.

Loan comparisons use the lower advertised annual rate with monthly reducing-balance EMI: P × r / (1 − (1 + r)^−n), where r is the annual percentage divided by 1,200 and n is months. At zero interest, EMI is P/n. Calculations retain full precision and round only for display.

FD maturity is P × (1 + annual percentage/400)^(months/3). Fractional quarters are an estimation convention; actual lender short-period rules may differ.

Starting loan rates are not guaranteed for every tenure. Personal loan maximum tenures follow the supplied table. Home and car loan tenure controls represent planning scenarios where the source does not provide a lender-specific limit. Fees are excluded.

Administrators maintain records manually. Rates are not automatically refreshed daily. Check the date and confirm the current rate directly with the lender before relying on a result. Where the source has a conflicting example or a channel-specific condition, the record notes disclose it.

Successful IFSC responses are cached for up to 30 days. An IFSC result is a directory lookup, not an account validation or confirmation that a transfer will succeed.

BankDesk

Indian banking tools for IFSC lookup, EMI calculations, fixed deposit returns and lender comparisons.

Calculators & bank comparisons

Estimate returns or repayments and compare up to three lenders.

  • FD calculator & bank FD rates
  • Home loan EMI & interest rate comparison
  • Car loan EMI & interest rate comparison
  • Personal loan EMI & interest rate comparison

Everyday banking tools

Check branch details and understand the numbers before you decide.

  • IFSC code lookup & validator
  • Quick EMI & FD calculators
  • IFSC, MICR & bank transfer guide
  • How EMI and FD maturity are calculated

Official banking resources

Use these independent official resources to verify banking information.

  • RBI IFSC & NEFT bank branch directory
  • RBI banking, NEFT & RTGS FAQs
  • NPCI IMPS payment information

About & support

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  • About BankDesk
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Bank interest rate directory

Explore maintained rates, available products and update dates for individual banks.

  • State Bank of India interest rates
  • HDFC Bank interest rates
  • ICICI Bank interest rates
  • Axis Bank interest rates
  • Bank of Baroda interest rates
  • Punjab National Bank interest rates
Independent utility. Not a bank, lender, adviser or government service. Official links do not imply affiliation or endorsement.Rates and calculations are indicative. Confirm current rates, fees and eligibility directly with the lender.
Data & Methodology | BankDesk