The HDFC Bank FD interest rates range from 3.00% to 7.05% 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. Let’s understand more about HDFC Bank FD interest rates 2025 in this article.
For investors looking for a fixed return investment option, HDFC offers Guaranteed return plans as well which can be considered as an alternative to FD. These plans offer higher returns and come with an additional benefit of life cover for ensuring financial security for the investors family.
Guaranteed return plan - Lumpsum
You Give
₹10 Lac
in 10 YearsYou Get
1.81 Times
₹18.1 Lac
in 15th Year
Guaranteed return plan - Income
You Give
₹10 Lac
in 10 YearsYou Get
3.89 Times
₹38.9 Lac
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 chosen 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, and the account can be opened through both online and offline channels. These deposits are commonly used by individuals seeking capital preservation along with steady interest income.
Some of the major benefits you can enjoy in an HDFC FD are:
Your money is invested at a fixed rate, which is not dependent on market fluctuation.
There are a variety of tenures to choose from to suit your financial goal, from 7 days to 10 years.
Earn competitive returns using HDFC Bank FD interest rates, which stretch up to 7.05% per annum.
Automatically transfers surplus funds from your savings account to your FD to earn higher returns.
Moves extra money from your savings account to an FD to earn higher interest, while keeping funds accessible when needed.
Here's a detailed breakdown of HDFC Bank’s latest Fixed Deposit interest rates across different investment slabs and tenors.
| Period | Interest Rate (p.a.) | Senior Citizen Rate (p.a.) |
| 7 – 14 days | 2.75% | 3.25% |
| 15 – 29 days | 2.75% | 3.25% |
| 30 – 45 days | 3.25% | 3.75% |
| 46 – 60 days | 4.25% | 4.75% |
| 61 – 89 days | 4.25% | 4.75% |
| 90 days to ≤ 6 months | 4.25% | 4.75% |
| 6 months 1 day to ≤ 9 months | 5.75% | 6.25% |
| 9 months 1 day to < 1 year | 5.50% | 6.00% |
| 1 year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.60% | 7.10% |
| 18 months to < 21 months | 6.60% | 7.10% |
| 21 months – 2 years | 6.45% | 6.95% |
| 2 years 1 day to < 2 years 11 months | 6.45% | 6.95% |
| 2 years 11 months – 35 months | 6.45% | 6.95% |
| 2 years 11 months 1 day to ≤ 3 years | 6.90% | 7.40% |
| 3 years 1 day to < 4 years 7 months | 6.40% | 6.90% |
| 4 years 7 months – 55 months | 6.40% | 6.90% |
| 4 years 7 months 1 day to ≤ 5 years | 6.40% | 6.90% |
| 5 years 1 day – 10 years | 6.15% | 6.65% |
*HDFC Bank FD interest rates w.e.f. June 10, 2025
| 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
| Period | Rate (₹5 Cr to < ₹25 Cr) | Rate (≥ ₹25 Cr to 50 Cr) |
| 7 – 14 days | 4.00% | 4.00% |
| 15 – 29 days | 4.00% | 4.00% |
| 30 – 45 days | 5.00% | 5.00% |
| 46 – 60 days | 5.10% | 5.10% |
| 61 – 88 days | 5.35% | 5.35% |
| 89 – 120 days | 5.35% | 5.80% |
| 121 – 150 days | 5.80% | 5.80% |
| 151 days – 6 months | 5.80% | 5.80% |
| 6 months 1 day – 9 months | 6.05% | 6.05% |
| 9 months 1 day – < 1 year | 6.15% | 6.15% |
| 1 year – < 15 months | 6.30% | 6.30% |
| 15 months – < 18 months | 6.25% | 6.25% |
| 18 months – < 21 months | 6.25% | 6.25% |
| 21 months – 2 years | 6.25% | 6.25% |
| 2 years 1 day – 3 years | 6.20% | 6.20% |
| 3 years 1 day – 5 years | 6.20% | 6.20% |
| 5 years 1 day – 10 years | 6.15% | 6.15% |
*HDFC Bank FD interest rates w.e.f. June 10, 2025
These HDFC FD rates ensure that your money grows steadily over time, whether you're saving for a short-term expense or a long-term goal.
Opening an HDFC Bank FD is a very easy process, and whether you do it online or offline depends on your convenience.
If you are a customer of HDFC Bank and possess NetBanking or Mobile Banking rights, you could open a Fixed Deposit within a matter of seconds:
Log in to your HDFC account using NetBanking, or access HDFC Mobile Banking.
Under the section called “Accounts”, select the option called “Open Fixed Deposit”.
Enter the amount of the deposit and choose the desired tenure.
Specify whether you want to open a Regular or Tax-Saving FD and choose the interest payout mode: cumulative or periodic, and provide a nominee.
Double-check all the details and hit ‘Submit’.
Your FD will be created instantly, and the confirmation with all details will be sent to you via SMS and email.
If you prefer to visit the branch, you can open an HDFC FD offline by following these steps:
Visit the nearest HDFC Bank branch.
Request a Fixed Deposit opening form at the help desk.
Fill in the required details like deposit amount, tenure, and nominee information.
Submit the form along with proof of your identity (like an Aadhaar or PAN card).
Deposit the money via cash or cheque.
The bank official will process your request, and you will receive the FD receipt and confirmation within a short time. If you are an NRI and want to open an HDFC Bank NRE account, the process is slightly different.
HDFC Bank Fixed Deposits offer fixed returns over a selected tenure, with interest rates varying based on the duration and type of deposit. The bank provides a range of investment tenures along with features such as overdraft and sweep-in facilities. These deposits are used for a variety of financial goals, including short-term savings and long-term capital preservation. Investors can compare FD rates across 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.
You can open an HDFC FD even for ₹5,000.
The HDFC FD rate for a 1-year deposit (below ₹3 crore) is currently 6.60% p.a.
You can open an FD within minutes through HDFC NetBanking or through a mobile application.
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.
Yes, HDFC bank FD rates 2025 for senior citizens are 0.50% more than normal FD interest rates in HDFC bank.
You can open an FD with HDFC bank for a tenure of a minimum of 7 days and a maximum of 10 years.
You can start your HDFC bank Fixed deposit with a minimum of Rs. 5000.
Once an FD account is opened with HDFC bank, you cannot change its tenure. In this case, you will have to close your current FD account and then open a new FD account for the required tenure.
* Tax adjustment considering income tax slab of 30%
** Life cover for a plan with an annualized premium of Rs 1L
+ 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
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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
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