Product rules
Minimum deposit rules: why the highest FD rate may not apply to you
A headline FD rate can depend on the deposit size, product name, and customer segment. Always compare the rate with its minimum deposit.
Updated 2026-05-04 · 4 min read
Minimum deposit changes availability
If a product requires a larger amount than you plan to deposit, that rate may not apply to your situation.
RateHive surfaces minimum deposit fields where available so the comparison is closer to the real decision.
Product names matter
Some banks publish several FD products with similar tenures but different names, payout schedules, or eligibility rules.
Compare the product name and notes, not just the bank name and interest rate.
Frequently asked questions
Why does an FD rate have a minimum deposit?
Banks can set minimum balances for specific products or rate tiers. A rate may only apply if your deposit meets that requirement.
Does RateHive show minimum deposits?
Yes, when minimum deposit data is available in the rate table it is shown beside the product option.