API v1.0

FD Rates API

Access real-time Fixed Deposit rates from 50+ Indian banks, Small Finance Banks, and NBFCs. Build rate comparison tools, financial calculators, and advisory platforms.

Base URL: https://blostem.com/api/v1/fd-rates

Overview

The FD Rates API provides programmatic access to Fixed Deposit interest rates across India's banking ecosystem. Rates are updated daily at 9 AM IST from official bank websites.

50+ Banks

SCBs, SFBs, NBFCs

Daily Updates

9 AM IST refresh

Tenure Slabs

7 days to 10 years

Authentication

All API requests require an API key passed via the X-API-Key header.

bash

curl -H "X-API-Key: your-api-key" \
  https://blostem.com/api/v1/fd-rates

To get an API key, contact our team.

Rate Limiting

100 requests per minute per API key. Rate limit headers are included in every response:

X-RateLimit-Limit	Max requests per window
X-RateLimit-Remaining	Remaining requests in window
X-RateLimit-Reset	ISO timestamp when window resets

List All Bank Rates

GET/api/v1/fd-rates

Returns FD rates for all active banks with tenure-wise rate slabs.

Query Parameters

Parameter	Type	Required	Description
bankType	string	No	Filter by type: SCB, SFB, or NBFC
limit	number	No	Max results (default: 100, max: 100)
offset	number	No	Pagination offset (default: 0)

Example Request

bash

curl -H "X-API-Key: your-api-key" \
  "https://blostem.com/api/v1/fd-rates?bankType=SFB"

Example Response

json

{
  "success": true,
  "data": {
    "banks": [
      {
        "bankName": "Unity Small Finance Bank",
        "slug": "unity-small-finance-bank",
        "bankType": "SFB",
        "logoUrl": "/logos/banks/unity-sfb.png",
        "websiteUrl": "https://www.unitysb.com",
        "rateSlabs": [
          {
            "tenureMinDays": 365,
            "tenureMaxDays": 730,
            "tenureLabel": "1-2 years",
            "generalRate": 9.0,
            "seniorRate": 9.5
          }
        ],
        "minDeposit": 5000,
        "maxDeposit": 100000000,
        "lastUpdated": "2026-02-24T03:30:00Z"
      }
    ],
    "total": 11,
    "lastUpdated": "2026-02-24T03:30:00Z"
  },
  "meta": {
    "version": "1.0",
    "rateLimit": { "remaining": 98, "resetAt": "..." }
  }
}

Get Single Bank

GET/api/v1/fd-rates/:slug

Returns detailed rate information for a specific bank by its slug.

Path Parameters

Parameter	Type	Required	Description
slug	string	Yes	Bank slug (e.g. "sbi", "hdfc-bank", "bajaj-finance")

Example

bash

curl -H "X-API-Key: your-api-key" \
  https://blostem.com/api/v1/fd-rates/sbi

Calculate FD Returns

POST/api/v1/fd-rates/calculate

Calculate FD maturity amount, interest earned, and effective yield. Optionally resolve rate from a bank slug.

Request Body (JSON)

Parameter	Type	Required	Description
principal	number	Yes	Deposit amount in INR
tenureMonths	number	Yes	FD tenure in months (1-120)
annualRate	number	No	Interest rate (%). Required if bankSlug not provided
bankSlug	string	No	Auto-resolve rate from bank for the given tenure
isCumulative	boolean	No	Cumulative (true, default) or non-cumulative (false)
depositorType	string	No	"general" (default) or "senior"

Example: With Rate

bash

curl -X POST \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"principal": 100000, "tenureMonths": 12, "annualRate": 8.5}' \
  https://blostem.com/api/v1/fd-rates/calculate

Example: With Bank Slug

bash

curl -X POST \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"principal": 500000, "tenureMonths": 24, "bankSlug": "sbi", "depositorType": "senior"}' \
  https://blostem.com/api/v1/fd-rates/calculate

Example Response

json

{
  "success": true,
  "data": {
    "maturityAmount": 108818,
    "totalInterest": 8818,
    "effectiveYield": 8.82,
    "rateUsed": 8.5,
    "tenureMonths": 12,
    "principal": 100000,
    "isCumulative": true
  }
}

API Metadata

GET/api/v1/fd-rates/meta

Returns aggregate stats: total banks, breakdown by type, highest rate, and last update timestamp.

json

{
  "success": true,
  "data": {
    "totalBanks": 48,
    "banksByType": { "SCB": 30, "SFB": 11, "NBFC": 7 },
    "lastUpdated": "2026-02-24T03:30:00Z",
    "highestRate": {
      "bankName": "Unity Small Finance Bank",
      "rate": 9.5,
      "bankType": "SFB"
    }
  }
}

Error Handling

All errors return a consistent JSON structure:

json

{ "success": false, "error": "Error message here" }

HTTP Status Codes

Code	Meaning
200	Success
400	Bad request (invalid params)
401	Missing or invalid API key
404	Bank not found
429	Rate limit exceeded
500	Internal server error

Ready to integrate?

Get your API key and start building with real-time FD rate data.

Get API Key

API v1.0

FD Rates API

Access real-time Fixed Deposit rates from 50+ Indian banks, Small Finance Banks, and NBFCs. Build rate comparison tools, financial calculators, and advisory platforms.

Base URL: https://blostem.com/api/v1/fd-rates

Overview

The FD Rates API provides programmatic access to Fixed Deposit interest rates across India's banking ecosystem. Rates are updated daily at 9 AM IST from official bank websites.

50+ Banks

SCBs, SFBs, NBFCs

Daily Updates

9 AM IST refresh

Tenure Slabs

7 days to 10 years

Authentication

All API requests require an API key passed via the X-API-Key header.

bash

curl -H "X-API-Key: your-api-key" \
  https://blostem.com/api/v1/fd-rates

To get an API key, contact our team.

Rate Limiting

100 requests per minute per API key. Rate limit headers are included in every response:

X-RateLimit-Limit	Max requests per window
X-RateLimit-Remaining	Remaining requests in window
X-RateLimit-Reset	ISO timestamp when window resets

List All Bank Rates

GET/api/v1/fd-rates

Returns FD rates for all active banks with tenure-wise rate slabs.

Query Parameters

Parameter	Type	Required	Description
bankType	string	No	Filter by type: SCB, SFB, or NBFC
limit	number	No	Max results (default: 100, max: 100)
offset	number	No	Pagination offset (default: 0)

Example Request

bash

curl -H "X-API-Key: your-api-key" \
  "https://blostem.com/api/v1/fd-rates?bankType=SFB"

Example Response

json

{
  "success": true,
  "data": {
    "banks": [
      {
        "bankName": "Unity Small Finance Bank",
        "slug": "unity-small-finance-bank",
        "bankType": "SFB",
        "logoUrl": "/logos/banks/unity-sfb.png",
        "websiteUrl": "https://www.unitysb.com",
        "rateSlabs": [
          {
            "tenureMinDays": 365,
            "tenureMaxDays": 730,
            "tenureLabel": "1-2 years",
            "generalRate": 9.0,
            "seniorRate": 9.5
          }
        ],
        "minDeposit": 5000,
        "maxDeposit": 100000000,
        "lastUpdated": "2026-02-24T03:30:00Z"
      }
    ],
    "total": 11,
    "lastUpdated": "2026-02-24T03:30:00Z"
  },
  "meta": {
    "version": "1.0",
    "rateLimit": { "remaining": 98, "resetAt": "..." }
  }
}

Get Single Bank

GET/api/v1/fd-rates/:slug

Returns detailed rate information for a specific bank by its slug.

Path Parameters

Parameter	Type	Required	Description
slug	string	Yes	Bank slug (e.g. "sbi", "hdfc-bank", "bajaj-finance")

Example

bash

curl -H "X-API-Key: your-api-key" \
  https://blostem.com/api/v1/fd-rates/sbi

Calculate FD Returns

POST/api/v1/fd-rates/calculate

Calculate FD maturity amount, interest earned, and effective yield. Optionally resolve rate from a bank slug.

Request Body (JSON)

Parameter	Type	Required	Description
principal	number	Yes	Deposit amount in INR
tenureMonths	number	Yes	FD tenure in months (1-120)
annualRate	number	No	Interest rate (%). Required if bankSlug not provided
bankSlug	string	No	Auto-resolve rate from bank for the given tenure
isCumulative	boolean	No	Cumulative (true, default) or non-cumulative (false)
depositorType	string	No	"general" (default) or "senior"

Example: With Rate

bash

curl -X POST \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"principal": 100000, "tenureMonths": 12, "annualRate": 8.5}' \
  https://blostem.com/api/v1/fd-rates/calculate

Example: With Bank Slug

bash

curl -X POST \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"principal": 500000, "tenureMonths": 24, "bankSlug": "sbi", "depositorType": "senior"}' \
  https://blostem.com/api/v1/fd-rates/calculate

Example Response

json

{
  "success": true,
  "data": {
    "maturityAmount": 108818,
    "totalInterest": 8818,
    "effectiveYield": 8.82,
    "rateUsed": 8.5,
    "tenureMonths": 12,
    "principal": 100000,
    "isCumulative": true
  }
}

API Metadata

GET/api/v1/fd-rates/meta

Returns aggregate stats: total banks, breakdown by type, highest rate, and last update timestamp.

json

{
  "success": true,
  "data": {
    "totalBanks": 48,
    "banksByType": { "SCB": 30, "SFB": 11, "NBFC": 7 },
    "lastUpdated": "2026-02-24T03:30:00Z",
    "highestRate": {
      "bankName": "Unity Small Finance Bank",
      "rate": 9.5,
      "bankType": "SFB"
    }
  }
}

Error Handling

All errors return a consistent JSON structure:

json

{ "success": false, "error": "Error message here" }

HTTP Status Codes

Code	Meaning
200	Success
400	Bad request (invalid params)
401	Missing or invalid API key
404	Bank not found
429	Rate limit exceeded
500	Internal server error

Ready to integrate?

Get your API key and start building with real-time FD rate data.

Get API Key