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देश / 🇯🇵 Japan

Japan में सर्वश्रेष्ठ time deposit दरें

8 प्रदाताओं से JPY time deposit दरें, प्रत्येक बैंक की वेबसाइट से प्रतिदिन पढ़ी गईं, साथ ही जांच के लिए 0 अतिरिक्त प्रदाता। दर के अनुसार क्रमबद्ध; कोई भुगतान रैंकिंग नहीं।

अंतिम जाँच 18 Oct 2026, 05:37 UTC · सभी 8 प्रदाता · ordinary deposit

¥1,000,000 जमा के लिए सर्वश्रेष्ठ दर, सभी ग्राहकों के लिए खुला। प्रोमोशन जल्दी समाप्त हो सकते हैं; बैंक से पुष्टि करें।

तुलना करें time deposit दरें

अवधि
दर प्रकार
विकल्प

5 बैंकों के पास ¥1,000,000 के लिए 12‑महीने की दर

बैंकदर p.a.अवधिजमाविवरणलिंक
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期1.40%≈ ¥14,000 in 12 months12 महीने¥500,000 +बोर्ड दर
BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax
बैंक पर जाएँ
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)0.50%≈ ¥5,000 in 12 months12 महीनेउल्लेख नहींबोर्ड दर
定期貯金 (time savings) standard rate; Rates before tax
बैंक पर जाएँ
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 महीनेअधिकतम ¥2,999,999बोर्ड दर
Standard (店頭) rate for deposits under ¥3 million; Rates before tax
बैंक पर जाएँ
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 महीनेअधिकतम ¥2,999,999बोर्ड दर
Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
बैंक पर जाएँ
Sumitomo Mitsui Banking Corporation (三井住友銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 महीनेअधिकतम ¥2,999,999बोर्ड दर
Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
बैंक पर जाएँ

"Fresh funds" का अर्थ है अन्य बैंक से लाए गए पैसे। बोर्ड दरें स्थायी दरें हैं; प्रोमो सीमित समय के लिए होते हैं। हम दरें कैसे एकत्रित और जाँचते हैं.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 0.55% at Rakuten Bank (楽天銀行)0.55%1-महीना3 months: 0.50% at Japan Post Bank (ゆうちょ銀行)0.50%3-महीना6 months: 1.20% at Aozora Bank (あおぞら銀行, BANK digital branch)1.20%6-महीना12 months: 1.40% at Aozora Bank (あおぞら銀行, BANK digital branch)1.40%12-महीना24 months: 1.50% at Aozora Bank (あおぞら銀行, BANK digital branch)1.50%24-महीना36 months: 1.60% at Aozora Bank (あおぞら銀行, BANK digital branch)1.60%36-महीना

Best rate open to any customer for ¥1,000,000 at each term, from today's verified offers. Hover a point for the bank.

जब दरें बढ़ें तो ईमेल प्राप्त करें

डबल ऑप्ट‑इन: पहले ईमेल से पुष्टि करें। आपके अवधि और राशि के लिए सर्वोत्तम दर बढ़ने पर एक ईमेल मिलेगा। एक क्लिक में सदस्यता समाप्त करें।

आधिकारिक बेंचमार्क

Uncollateralized overnight call rate (BOJ policy rate operating target), daily average 202610141.228%
BOJ basic discount rate and basic loan rate 2026091.50%

स्रोत: boj.or.jp, stat-search.boj.or.jp. संदर्भ बिंदु के रूप में दिखाया गया है, सिफ़ारिश नहीं।

जमा सुरक्षा: Deposit Insurance Corporation of Japan (DICJ)

सीमा¥10,000,000

Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered. स्रोत, जाँचा गया 2026-10-18.

Where does your money earn most in Japan?

Best 12-month time deposit (Aozora Bank (あおぞら銀行, BANK digital branch))1.40%
Best savings account (Aozora Bank (あおぞら銀行, BANK digital branch))1.20%
Uncollateralized overnight call rate (BOJ policy rate operating target), daily average1.228%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in Japan

What is the best 12-month time deposit rate in Japan today?

1.40% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month time deposit rate in Japan today?

1.20% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are time deposits in Japan protected?

Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered.

How many banks do you compare in Japan?

We list 8 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do time deposit rates compare with the Uncollateralized overnight call rate (BOJ policy rate operating target), daily average?

The Uncollateralized overnight call rate (BOJ policy rate operating target), daily average is 1.228% (20261014). The best 12-month time deposit rate open to any customer today is 1.40%.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand

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हम एक तुलना सेवा हैं, बैंक नहीं: हम जमा नहीं लेते। दरें बिना सूचना के बदल सकती हैं; जमा करने से पहले बैंक से पुष्टि करें। यह वित्तीय सलाह नहीं है।