Short-term and long-term deposits are almost equal in terms of profitability in 2025

Since the second quarter of 2025, half of individual deposits in Russia have been deposits for up to six months, which is associated with an increase in the profitability of short-term deposits. This was announced on March 10 by Anna Zemlyanova, chief analyst at Sovcombank, in a conversation with Izvestia.

According to the Bank of Russia, starting from the second quarter of 2025, about half of all deposits from individuals accounted for deposits with a term of 91 to 180 days. This structure of placements was formed against the background of the fact that the yield on deposits of this maturity was comparable to the yield on longer deposits.

As Anna Zemlyanova, chief analyst at Sovcombank, explained, shorter deposits give depositors additional flexibility.

"The yield on deposits at this maturity was comparable to the yield on longer deposits, starting from six months," she noted.

According to the expert, the advantage of deposits for a period of three to six months is the ability to respond more quickly to changes in interest rates in the economy. This is especially true in the context of fluctuations in monetary policy.

Read more in the Izvestia article: Money on the pulse: the popularity of short-term deposits has grown in Russia

All important news is on the Izvestia channel in the MAX messenger.