A high-strength cold-rolled steel sheet having a specified chemical composition and a microstructure including ferrite having an average crystal grain diameter of 2 μm or less in an amount of 10% to 25% in terms of volume fraction, retained austenite in an amount of 5% to 20% in terms of volume fraction, martensite having an average crystal grain diameter of 2 μm or less in an amount of 5% to 15% in terms of volume fraction, and the balance being a multi-phase structure including bainite and tempered martensite having an average crystal grain diameter of 5 μm or less, in which a relational expression, 0.35≤V2/V1≤0.75 (1), is satisfied, where V1 is a volume fraction of phases which are different from ferrite and V2 is a volume fraction of tempered martensite.