The HDFC Bank FD interest rates range from 2.75% p.a. to 6.60% p.a. for the general citizens and 3.25% p.a. to 7.10% p.a. for the senior citizens. The interest rates depend on the tenure and the deposit amount.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
HDFC Bank Fixed Deposits (FDs) are a low-risk investment providing predictable, fixed returns over a chosen period of 7 days to 10 years. The FD interest rates are fixed returns over the selected tenure and depositor’s category. Senior citizens earn an additional 0.5% interest, and investments start from ₹5,000, available both online and offline. HDFC offers the best FD schemes, including Tax Saving FD, Non-Withdrawable FD, SureCover FD, and Flexi Fixed Deposit.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
₹5,000 (regular FDs)
No limit
18 years to no upper age limit
Monthly, half-yearly, yearly, cumulative
Available#
Available~
Available
Yes
HDFC Bank offers up to 6.60% p.a. for regular citizens and 7.10% p.a. for senior citizens on 18 to 21-month FDs, effective from 25 June 2025.
Here's a detailed breakdown of HDFC Bank’s latest Fixed Deposit interest rates across different investment slabs and tenors:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 2.75% | 3.25% |
| 15 Days to 29 Days | 2.75% | 3.25% |
| 1 Month to 2 Months | 3.25% | 3.75% |
| 2 Months to 2 Months | 4.25% | 4.75% |
| 2 Months to 3 Months | 4.25% | 4.75% |
| 3 Months to 6 Months | 4.25% | 4.75% |
| 6 Months to 9 Months | 5.50% | 6.00% |
| 9 Months to 12 Months | 5.75% | 6.25% |
| 1 Year to 1.2 Years | 6.25% | 6.75% |
| 1.3 Years to 1.5 Years | 6.35% | 6.85% |
| 1.5 Years to 1.8 Years | 6.60% | 7.10% |
| 1.8 Years to 2 Years | 6.45% | 6.95% |
| 2 Years to 2.4 Years | 6.45% | 6.95% |
| 2.4 Years to 2.9 Years | 6.45% | 6.95% |
| 2.5 Years to 3 Years | 6.45% | 6.95% |
| 3 Years to 4.6 Years | 6.40% | 6.90% |
| 4.6 Years to 4.6 Years | 6.40% | 6.90% |
| 4.6 Years to 5 Years | 6.40% | 6.90% |
| 5 Years to 10 Years | 6.15% | 6.65% |
| Period | Interest Rate (per annum) | Senior Citizen Rates (per annum) |
| 7 – 14 Days | 4.00% | 4.00% |
| 15 – 29 Days | 4.00% | 4.50% |
| 30 – 45 Days | 5.00% | 5.50% |
| 46 – 60 Days | 5.10% | 5.60% |
| 61 – 89 Days | 5.35% | 5.85% |
| 90 Days ≤ 6 Months | 5.80% | 6.30% |
| 6 Months 1 day ≤ 9 Months | 6.05% | 6.55% |
| 9 Months 1 day to < 1 Year | 6.15% | 6.65% |
| 1 Year to < 15 Months | 6.30% | 6.80% |
| 15 Months to < 18 Months | 6.25% | 6.75% |
| 18 Months to < 21 Months | 6.25% | 6.75% |
| 21 Months to 2 Years | 6.25% | 6.75% |
| 2 Years 1 day to 3 Years | 6.20% | 6.70% |
| 3 Years 1 day to 5 Years | 6.15% | 6.65% |
| 5 Years 1 day to 10 Years | 6.75% | 7.25% |
*HDFC Bank FD interest rates w.e.f. June 10, 2025
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.65% |
| Indian Overseas Bank | 3.5% | 6.8% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| Equitas Small Finance Bank | 3.5% | 7.4% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. October 2025 (for general public, domestic FDs < ₹3 Cr).
Some of the major benefits you can enjoy from an HDFC Bank fixed deposit are listed below: :
You can easily open an HDFC Bank FD online through NetBanking or the HDFC Mobile Banking app, without visiting a branch.
Prefer the traditional method? You can open an FD by visiting any HDFC Bank branch.
Indian citizens above the age of 18, NRIs and PIOs are eligible for booking an FD with HDFC bank. Besides Individual depositors, an HDFC Bank FD account can be opened by:
HDFC Bank Fixed Deposits offer flexible tenures ranging from 7 days to 10 years, with attractive interest rates of up to 6.60% p.a. for regular citizens and 7.10% p.a. for senior citizens. HDFC Bank offers a range of FDs, including Direct Deposit FD, HealthCover FD, Tax Saving FD, Overdraft FD, and Non-Withdrawable FD, with features like premature withdrawal, overdraft facility, and flexible interest payouts. Smart investors can compare which bank is offering the best FD interest rates and choose wisely.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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