India's leading private bank, HDFC Bank offers FD interest rates ranging from 2.75% to 6.45% p.a. for general citizens and from 3.25% to 6.95% for senior citizens. The deposit tenure ranges from 7 days to 10 years. You can avail an HDFC tax-saving FD with rates up to 6.40% p.a. for general citizens and 6.90% p.a. for senior citizens. HDFC Bank offers several specialised FD schemes beyond the standard options, each customised for specific needs like healthcare, life insurance, or environmental impact.
Fixed deposits are a low-risk investment option offering predictable returns. HDFC Bank fixed deposit interest rates for general and senior citizens are up to 6.45% p.a. and 6.95% p.a., respectively. For immediate liquidity, you can utilise a loan facility of up to 90% against your deposit. Note that premature withdrawals or sweep-ins usually incur a 1% penalty on interest.
HDFC Bank offers various specialised FD schemes, including Tax-Saving, Non-Withdrawable, SureCover, HealthCover FDs with hospital cash benefits, and NRI FDs, which include HDFC NRE Account, FCNR, and NRO. Additionally, the Money Maximiser facility automatically invests your idle savings for higher growth and provides guaranteed returns. FD interest rates are fixed returns over the selected tenure and depositor's category.
HDFC FD Interest Rates - Key Highlights
Deposit tenure
7 days to 10 years
Minimum deposit
₹5,000 (regular FDs)
Maximum deposit
No limit
Age limit
18 years to no upper age limit
Interest payout options
Monthly, half-yearly, yearly, cumulative
Premature withdrawal
Available#
Loan against FD
Available~
Auto sweep
Available
TDS
Yes
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#Premature withdrawal involves penalties as per the bank’s policy; charges and rules differ for callable and non-callable fixed deposits. ~The bank may reduce applicable interest rates or levy charges for loans against fixed deposits.
HDFC Bank FD Latest Updates: HDFC Reduces Rates
HDFC Bank FD rates now range from 2.75% to 6.50% for general customers and 3.25% to 7.00% for senior citizens. The bank recently increased rates for 3 to 4.5-year tenures by 10 bps, while making minor adjustments to mid-term buckets.
HDFC Bank FD Rates 2026
Here's a detailed breakdown of HDFC Bank’s latest Fixed Deposit interest rates across different investment slabs and tenors:
Tenure
Regular Rates
Current 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
6.45%
6.95%
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%
Tenures
General Citizen (%p.a.)
Senior Citizen (%p.a.)
7 - 14 days
3.50%
4.00%
15-29 days
3.50%
4.00%
30-45 days
4.75%
5.25%
46-60 days
5.00%
5.50%
61-89 days
5.25%
5.75%
90 days <= 6 months
5.50%
6.00%
6 months 1 day <= 9 months
5.75%
6.25%
9 months 1 day to < 1 Year
6.00%
6.50%
1 Year to < 15 months
6.25%
6.75%
15 months to < 18 months
6.25%
6.75%
18 months to < 21 months
6.40%
6.90%
21 months to 2 years
6.40%
6.90%
2 year 1 day to 3 years
6.25%
6.75%
3 year 1 day to 5 years
6.35%
6.85%
5 year 1 day to 10 years
6.15%
6.65%
*HDFC Bank FD interest rates w.e.f. March 07, 2026
Types of HDFC Bank Fixed Deposits
HDFC Bank Direct Deposit FD
HDFC has a Fixed Deposit option designed specifically for new customers who do not have an existing Savings or Current Account with HDFC Bank. The main highlight is the ability to open a Fixed Deposit with HDFC Bank without needing to simultaneously open a Savings Account.
Tenure: From 7 days to 10 years
Minimum Deposit Amount: ₹5,000
Premature Withdrawal: Yes, available
Auto-Renewal Option: Available
Funding Modes: UPI – up to ₹1 Lakh, NEFT Transfer up to ₹25 Lakh
HDFC Bank HealthCover FD
HDFC Bank HealthCover FD is a unique investment product that offers the dual benefits of a Fixed Deposit and a complimentary Hospital Cash Cover for the primary holder during the first year of the deposit's tenure.
Tenure: 1 year to 10 years
Minimum Deposit Amount: ₹5 Lakh
Overdraft Facility Available: up to 90% of the FD amount
Interest Payout Options : monthly, quarterly, or reinvestment payouts
Maximum Deposit Amount: Up to ₹2.99 Crore
HDFC Five-Year Tax Saving Fixed Deposit
HDFC Bank 5-Year Tax Saving Fixed Deposit is a government-approved investment under Section 80C of the Income Tax Act, offering tax benefits while ensuring capital safety and fixed returns.
Tenure: 5 years (Lock-In)
Minimum Deposit Amount: ₹100
Maximum Deposit Amount: ₹1.5 lakhs in a financial year
Interest Payout Options: Monthly and Quarterly
Tax Benefits: Available under 80C of the Income Tax Act
Overdraft Against Fixed Deposit (Super Saver Facility)
Get an HDFC Bank Loan Against FD to access funds without breaking your deposit. The overdraft is up to 90% of your FD value (also known as a Super Saver facility), and you only pay interest on the amount used. The minimum FD amount is ₹ 25,000 for 6 months 1 day.
Interest Rate: 2% above the prevailing FD interest rate
Minimum Tenure: 6 months 1 day
Minimum Deposit Amount: ₹25,000
Overdraft/Super Saver Facility: On single-name FD via NetBanking
Overdraft Limit: Up to 90% of your FD principal
HDFC Bank Non-Withdrawable Fixed Deposits
This is a Non-Withdrawable FD for NRIs, available for NRE, NRO, and HDFC FCNR Accounts, and is an investment option designed for high-net-worth individuals seeking enhanced returns while committing to long-term capital preservation.
Tenure: 1 year to 10 years
Minimum Deposit: ₹2 crore
Interest Payout Options: Monthly or quarterly
Reinvestment Option: Available for compound interest accumulation
Taxation: 100% Tax-free for NRE; subject to TDS for NRO
HDFC FD Rates Comparison with Other Banks
Bank Name
Lowest Rate
Highest Rate
State Bank Of India
3.05%
6.45%
ICICI Bank
2.75%
6.5%
HDFC Bank
2.75%
6.45%
Axis Bank
3%
6.45%
Punjab National Bank
3%
6.4%
Kotak Mahindra Bank
2.75%
6.7%
Yes Bank
3.25%
7.75%
IndusInd Bank
3.25%
7%
Indian Bank
2.8%
6.45%
Union Bank of India
2.75%
6.3%
Bank of India
3%
6.7%
Canara Bank
4%
7.25%
IDFC Bank
3%
7%
IDBI Bank
3%
6.55%
Indian Overseas Bank
2.9%
6.6%
Bank of Maharashtra
2.6%
6.65%
Central Bank of India
3%
6.5%
Punjab and Sind Bank
2.85%
6.6%
UCO Bank
2.9%
6.45%
RBL Bank
3.5%
7.2%
PNB Housing Finance
3.25%
6.6%
Federal Bank
3%
6.75%
Bandhan Bank
2.95%
7.2%
South Indian Bank
2.9%
6.6%
Karur Vysya Bank
4%
6.65%
Tamilnad Mercantile Bank
4%
7.1%
Karnataka Bank
3.5%
6.65%
Abhyudaya Cooperative Bank
3.75%
6.35%
Shriram Finance Ltd
6.79%
7.35%
Bajaj Finance Ltd
6.6%
6.95%
Mahindra Finance Ltd
6.4%
6.8%
AU Small Finance Bank
3.5%
7.1%
Fincare Small Finance
3%
8.61%
Utkarsh
4%
7.5%
Unity Small Finance Bank
4%
7.25%
Suryoday Small Finance Bank
4%
8.1%
DCB Bank
3.75%
7.15%
Equitas Small Finance Bank
3.5%
7.3%
ESAF Small Finance bank
2.75%
7.6%
Karnataka Grameena Bank
3.25%
6.6%
North East Small Finance bank
3.5%
7.75%
Saraswat Bank
3.25%
6.9%
Shivalik Small Finance Bank
3.5%
7.5%
Ujjivan Small Finance Bank
3.5%
7.45%
*FD interest rates w.e.f. April 2026 (for general public, domestic FDs < ₹3 Cr).
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Key Benefits of HDFC Bank Fixed Deposits
Some of the major benefits you can enjoy from an HDFC Bank fixed deposit are listed below: :
01
Premature Withdrawal Facility:
HDFC Bank FDs allow you to withdraw your money before the maturity date, providing liquidity. Note that HDFC FD premature withdrawal will be subject to a penalty.
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02
SureCover Fixed Deposit
HDFC Bank SureCover FD is a unique hybrid that combines high-yield savings with a term life insurance cover equal to your FD principal (up to a limit), securing your family's future at no extra effort.
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03
Flexible Interest Payment
You can design your interest payouts to suit your financial needs. You can choose periodic payments (monthly/quarterly) to manage expenses or opt for the reinvestment option to benefit from compounding returns.
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05
Earn Compound Interest
The depositor can earn compound interest by reinvesting the principal along with the interest earned on the FD. HDFC Bank usually applies compound interest for deposits with a tenure of three months and above if the reinvestment/cumulative option is chosen.
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06
HDFC Bank Auto Sweep Facility
The excess funds are automatically moved to an FD (HDFC Sweep-Out FD), and the necessary amount is automatically transferred back from the FD when your HDFC savings account balance is low (Sweep-In), ensuring your payments never fail.
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07
Liquidity with Overdraft Facility
In case of urgent cash need, you don't need to break your FD and lose interest. The overdraft (Super Saver) facility is up to 90% of your deposit. You only pay interest on what you borrow, while your FD stays intact and continues to grow.
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How to Open an HDFC Bank FD
HDFC Online FD Account Opening
You can easily open an HDFC Bank FD online through NetBanking or the HDFC Mobile Banking app, without visiting a branch.
HDFC Offline FD Account Opening
Prefer the traditional method? You can open an FD by visiting any HDFC Bank branch.
NetBanking or HDFC Mobile App
Log in using your Customer ID and password or open the HDFC Bank mobile app.
Go to ‘Open Fixed Deposit’
Navigate to the ‘Accounts’ section and select ‘Open Fixed Deposit’.
Enter Deposit Details
Choose the source account, enter the deposit amount (minimum ₹5,000), and select the FD tenure.
Choose FD Type
Select between cumulative and non-cumulative options (interest at maturity or periodic payouts).
Review & Submit
Verify all details, accept the terms and conditions, and confirm the booking.
Download FD Advice
An e-advice (FD receipt) is generated instantly, which you can view or download.
Visit HDFC Bank Branch
Go to the nearest branch with your PAN, Aadhaar, and a cheque or cash for funding.
Fill FD Application Form
Ask for and complete the HDFC Fixed Deposit form at the branch.
Submit KYC Documents
New customers must provide PAN, Aadhaar, and recent passport-sized photos for KYC.
Deposit the Funds
Pay the FD amount (minimum ₹5,000) via cheque, cash, or account transfer.
Select Tenure & Interest Options
Choose the tenure (7 days to 10 years), and select payout frequency.
Get FD Receipt
The bank will issue a Term Deposit Advice as proof of your FD booking.
Eligibility Criteria to Open an HDFC Bank FD Account
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:
Public & private companies
Partnership firms
Trusts & societies
HUFs
Key Takeaways
HDFC Bank Fixed Deposits offer guaranteed returns over a selected tenure, with interest rates varying based on the investment amount and type of deposit (cumulative and non-cumulative). The bank provides a range of investment tenures along with features such as an HDFC credit card on FD and auto-sweep facilities. These deposits are used for various financial goals, including short-term savings and long-term capital preservation. Investors can compare HDFC Bank FD rates with different banks to make an informed choice based on their needs. As a smart investor, you can always compare different FD tenures and schemes before making an investment decision.
HDFC Bank offers 2.75% p.a. to 6.45% p.a. for general citizens and 3.25% p.a. to 6.95% p.a. for senior citizens as its latest FD interest rates.
What is the highest fixed deposit interest rate under HDFC Bank?
The highest fixed deposit interest rate offered by HDFC Bank for general citizens is up to 6.45% p.a., and for senior citizens, it is up to 6.95% p.a.
What are the top 5 best products of HDFC Bank?
HDFC Bank provides a wide variety of banking services, including fixed and recurring deposits, personal loans, credit cards, demat accounts, and insurance, to fulfil your financial needs.
Can a tax-saving FD be broken before maturity in HDFC?
No, HDFC 5-year Tax-Saving FD comes with a mandatory 5-year lock-in period and offers interest rates of up to 6.15% to 6.40% p.a. for general citizens and 6.65% to 6.90% p.a. for senior citizens. Premature withdrawal is not allowed under normal circumstances.
Which FD option is better in HDFC?
These are some of the best HDFC Bank FD options: HDFC Bank HealthCover FD, HDFC Bank Non-Withdrawable Fixed Deposits, HDFC Bank Direct Deposit FD, Overdraft Against Fixed Deposits, and Five-Year Tax Saving Fixed Deposit.
Is the HDFC 117-day Fixed Deposit a good short-term investment in 2026?
For those prioritising liquidity and safety, you can earn up to 6.50% interest under HDFC Bank. HDFC short-term FD offers 5.75% p.a. for general citizens and 6.25% p.a. for senior citizens.
What is the minimum amount required to open an HDFC FD?
The minimum amount required to open an HDFC FD is ₹5,000.
Are HDFC FD interest earnings taxable?
TDS is applicable on the FD interests if the total interest earned in a financial year exceeds ₹40,000 (₹50,000 for senior citizens) from all FDs, as per Section 194A of the Income Tax Act.
What is the penalty for premature FD in HDFC?
HDFC Bank imposes a penalty of 1% below the contracted interest rate for premature withdrawal of Fixed Deposits. This applies to all deposits, including HDFC Sweep-in FD and partial withdrawals.
A ₹3 lakh Post Office Fixed Deposit for 1–5 years typically earns 6.90% to 7.50% p.a., generating around
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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
