In July 2025, the Bank of Russia monitored the maximum interest rates on ruble deposits offered by the country’s ten largest credit institutions. The monitoring revealed that in the first ten days of July, the average maximum rate stood at 17.91%. This figure decreased to 17.22% in the second ten-day period and further declined to 16.44% in the third ten-day period.
The data was collected by the Department of Banking Regulation and Analytics of the Bank of Russia using information from official websites of major banks including Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank, DOM.RF, CREDIT BANK OF MOSCOW, TBank, Promsvyazbank, and Sovcombank. The published values are indicative.
According to the methodology described by the Bank of Russia, only deposit products available to any client without special conditions or restrictions were included in this monitoring. Deposits with additional requirements such as purchasing investment units or opening insurance agreements were excluded from consideration. Compound interest rates and deposits for specific groups like pensioners or children were also not part of this analysis.
For reference, average maximum interest rates by deposit maturity as reported were: up to 90 days at 15.75%, from 91 to 180 days at 16.01%, from 181 days to one year at 15.39%, and over one year at 14.20%.
Data on changes in these monitoring results is available on the Bank of Russia website.
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