HDFC Fixed Deposit is a secure investment option, where you can deposit your money for a specific period, ranging from 7 days to 10 years. The interest rates currently range from 3.50% to 7.75% per annum, with senior citizens benefiting from an additional 0.50% interest across all tenures. Read on to know more about HDFC fixed deposit interest rates:
| Tenure | REGULAR RATES | SENIOR CITIZEN |
| 7 – 14 days | 3.00% | 3.50% |
| 15 – 29 days | 3.00% | 3.50% |
| 30 – 45 days | 3.50% | 4.00% |
| 46 – 60 days | 4.50% | 5.00% |
| 61 – 89 days | 4.50% | 5.00% |
| 90 days – 6 months | 4.50% | 5.00% |
| 6 months 1 day – 9 months | 5.75% | 6.25% |
| 9 months 1 day – less than 1 year | 6.00% | 6.50% |
| 1 year – less than 15 months | 6.60% | 7.10% |
| 15 months – less than 18 months | 7.10% | 7.60% |
| 18 months – less than 21 months | 7.00% | 7.50% |
| 21 months – 2 years | 7.00% | 7.50% |
| 2 years 1 day – less than 2 years 11 months | 7.00% | 7.50% |
| 2 years 11 months (Special Edition FD – 35 months) | 7.15% | 7.65% |
| 2 years 11 months 1 day – 3 years | 7.00% | 7.50% |
| 3 years 1 day – less than 4 years 7 months | 7.00% | 7.50% |
| 4 years 7 months (Special Edition FD – 55 months) | 7.20% | 7.70% |
| 4 years 7 months 1 day – 5 years | 7.00% | 7.50% |
| 5 years 1 day – 10 years | 7.00% | 7.75% |
FD interest rates have been declining over last few years and is expected to further fall, as Indian economy grows in coming years.
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
Total Investment
Interest Earned
Maturity Amount| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| HDFC Bank FD Rates | 3.00% - 7.20% | 3.50% - 7.75% |
| SBI FD Rates | 3.00% - 7.10% | 3.50% - 7.60% |
| Axis Bank FD Rates | 3.00% - 7.10% | 3.50% - 7.75% |
| ICICI FD Rates | 3.00% - 7.10% | 3.50% - 7.65% |
| Canara Bank FD Rates | 4.00% - 7.25% | 4.00% - 7.75% |
| Yes Bank FD Rates | 3.25% - 7.75% | 3.75% - 8.25% |
| Kotak Mahindra FD Rates | 2.75% - 7.25% | 3.25% - 7.75% |
| Bandhan Bank FD Rates | 3.00% - 5.00% | 3.75% - 5.75% |
| Union Bank of India Rates | 3.00% - 7.00% | 3.50% - 7.50% |
| Indusind Bank Rates | 3.50% - 7.85% | 4.25% - 8.25% |
| PNB Rates | 3.50% - 7.25% | 4.00% - 7.75% |
| Bank of Baroda FD Rates | 3.00% - 7.25% | 3.50% - 7.75% |
| IDFC Bank Rates | 3.00% - 7.50% | 3.50% - 8.00% |
| Indian Bank FD Rates | 2.80% - 6.70% | 2.80% - 7.20% |
| DBS Bank FD Rates | 2.50% - 5.50% | 2.50% - 5.50% |
| UCO Bank FD Rates | 2.55% - 5.05% | 3.80% - 6.30% |
| Bank of India FD Rates | 3.00% - 7.25% | 3.00% - 7.75% |
| IDBI Bank FD Rates | 2.90% - 5.30% | 3.40% - 5.90% |
| Central Bank of India FD Rates | 2.75% - 5.15% | 3.25% - 5.65% |
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The HDFC FD interest rate 2023 scheme gives you the flexibility to keep a part of your salary aside for achieving your goals and enjoy rates on par with Bank's FDs.
HDFC provides various FD options, which come with an online banking facility, seep-in facility, and loan facility.
HDFC fixed deposit rates for NRE customers are listed in the table below:
Regular Fixed Deposits
HDFC Bank HealthCover FD
Five Year Tax Saving Fixed Deposit
FCNR Deposits
Overdraft Against Fixed Deposits
Non-withdrawable Deposits
HDFC Bank offers Fixed Deposit (FD) accounts with various features and benefits. Here are some key features of HDFC FD Interest Rates 2023:
Convenient online FD booking
Nomination facility available
Get up to 90% loan against your FD
Below are the groups and individuals who are eligible to open HDFC Fixed Deposit Rates Account:
Hindu undivided families
Residents
Partnership firms
Here is a list of documents required when determining HDFC fixed deposit interest rate 2023:
Aadhaar card
Passport
Voter ID
An investor can opt for either of the following methods to invest in the HDFC FD interest rates 2023 Scheme:
If you have a fixed deposit with HDFC Bank, you must be aware of the tax implications. The interest income you receive from the FD adds to your overall tax obligation as it is considered 'income from other sources.' The bank deducts TDS (Tax Deducted at Source) immediately after crediting the interest income to your account.
Here are some key points about tax on HDFC FD Interest rates 2023:
If you decide to make a premature withdrawal of your HDFC Fixed Deposit, an interest rate will apply. This rate will be the lower amount between the base rate for the original deposit tenure and the base rate applicable for the tenure the deposit has been with the bank.
HDFC Bank offers a convenient solution to address your unforeseen financial needs without breaking your FD. If you're looking for competitive HDFC FD interest rates, you're in the right place. Here are some key features of loans against fixed deposits:
Get an overdraft up to 90% on your FD.
Eligible applicants include resident individuals, public and private limited companies, and HUFs.
The highest HDFC FD interest rate 2023 that you can get is 4.6 percent for a long-term FD ranging between INR 1 crores and 5 crores. For FDs lesser than 2 crore rupees, you can earn the best interest rate of 5.60% again for long-term deposits.
For investors looking for a fixed return investment option. These plans offer higher returns and come with an additional benefit of life cover for ensuring financial security for the investor’s family.
Yes, HDFC bank FD rates 2023 for senior citizens are 0.5 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.
Below are the groups and individuals who are eligible to open a Regular HDFC Fixed Deposit Account-
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.
Below are the groups and individuals who are eligible to open a Regular HDFC Fixed Deposit Account:
* 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
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