India’s leading private bank, HDFC Bank, offers FD interest rates ranging from 2.75% to 6.45% p.a. for general citizens and 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. Resident senior citizens receive an additional 0.50% interest across all tenures.
Fixed Deposits (FDs) are considered a safe investment option that offers guaranteed returns over a fixed tenure. The HDFC Bank provides interest rates up to 6.15% for the general citizens. Apart from tenure-based slabs for deposits (7 days to 10 years), the bank also offers separate slabs for deposit amounts (below 3 Cr., above 3 Cr., etc.). Apart from these factors, your interest income also depends on whether the FD is cumulative or non-cumulative. If you withdraw your deposit prematurely or use the sweep-in facility, the interest paid will be 1% lower than the rate applicable for the actual period.
FD interest rates are fixed returns over the selected tenure and depositor's category. For both regular and new customers, HDFC Bank offers the best FD schemes, including Tax Saving FD, Direct Deposits, Non-Withdrawable FD, SureCover FD, and Flexi Fixed Deposit and HealthCover FD, which uniquely bundles hospital cash benefits with your savings up to ₹2.99 Crore.
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 reduced FD interest rates on tenures of 18 months to less than 21 months by 0.15% for general and senior citizens. The bank has reduced the FD rates from 6.60% to 6.45% for general citizens and from 7.10% to 6.95% for senior citizens.
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 | 6.45% | 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, 2025
| 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% |
| Bank of Baroda | 3.5% | 6.45% |
| 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% |
| 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% |
| DBS Bank | 2.75% | 6.6% |
| 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% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 7.9% |
| 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. March 2026 (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 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.
˜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
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