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Business
Bulk FD Rules Set to Change from October 1, Impact on Investors Awaited
✍️ Amar Ujala
🗓 28 Sep 2026, 05:56 AM
👁 18
Effective October 1, banks will revise the rules governing bulk fixed deposits, potentially altering interest rates and eligibility for high-value investors. The change aims to align bulk FD offerings with current monetary policy.
According to Amar Ujala, the revised guidelines for bulk fixed deposits will come into force from October 1, 2025. Bulk FDs typically refer to deposits above a certain threshold, often Rs 2 crore, placed by corporations, trusts or high-net-worth individuals.
The upcoming changes may involve adjustments to the interest rates offered on such deposits, as well as modifications to the minimum deposit amount or tenor requirements. Banks are expected to align these norms with the prevailing liquidity and interest rate environment.
For investors, the revision could affect the returns on large‑value fixed deposits, prompting corporate treasuries to reassess their short‑term investment strategies. Retail investors, who usually hold smaller FDs, are likely to experience little direct impact from the bulk‑specific changes.
The upcoming changes may involve adjustments to the interest rates offered on such deposits, as well as modifications to the minimum deposit amount or tenor requirements. Banks are expected to align these norms with the prevailing liquidity and interest rate environment.
For investors, the revision could affect the returns on large‑value fixed deposits, prompting corporate treasuries to reassess their short‑term investment strategies. Retail investors, who usually hold smaller FDs, are likely to experience little direct impact from the bulk‑specific changes.