The HDFC Bank FD interest rates range from 2.75% to 7.10% per annum, depending on the deposit tenure and amount. You can choose a deposit period from as short as 7 days to as long as 10 years, based on your financial goals. Resident senior citizens receive an additional 0.50% interest across all tenures.
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.
Fixed Deposits (FDs) are considered a low-risk investment option that offers predictable returns over a fixed tenure. HDFC Bank FDs provide a fixed interest rate based on the customer deposit period and the investor’s category (such as senior citizen or regular). These FD interest rates provide fixed returns over the selected tenure. The minimum deposit amount is ₹5,000 in HDFC, and the account can be opened through both online and offline channels. These deposits are commonly used by investors who look for steady interest income.
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 has cut FD rates again in June. HDFC Bank has lowered the interest rate on a specific fixed deposit tenure by 25 basis points for deposits below ₹3 crore. The revised rates took effect on June 25, 2025, marking the bank’s second FD rate cut this month.
HDFC Bank FDs offer a secure and convenient way to grow your savings while earning assured interest income. You can choose flexible tenures ranging from 7 days to 10 years, with interest rates up to 7.10% p.a. Interest can be paid monthly, quarterly, or at maturity.
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 | 3.25% | 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% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| 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% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
Some of the major benefits you can enjoy in an HDFC Bank FD are:
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 fixed returns over a selected tenure, with interest rates varying based on the duration and type of deposit. These deposits are used for a variety of financial goals, including short-term savings and long-term capital preservation. Investors can compare HDFC Bank FD rates with those of different banks to make an informed choice based on their needs. As a smart investor, you can always compare which bank is offering the best FD interest rates and choose wisely. Besides, you can also consider other best investment options that come with financial protection.
˜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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