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HDFC Bank FD Interest Rates 2025

HDFC Bank offers fixed deposits with interest rates between 2.75% and 6.60% for regular customers, and 3.25% to 7.10% for senior citizens. With flexible deposit terms ranging from 7 days to 10 years, and benefits like tax-saving options, customizable interest payouts, and loan facilities.

Key Highlights of HDFC Bank Fixed Deposit Interest Rates

Interest rates (p.a)

2.75% - 7.10%

Minimum Deposit

₹5,000

Maximum Deposit

No Upper Limit

Lock In Period

12 Months

Tenure

7 Days - 10 Years

Senior Citizen Benefit

Extra 0.5% P.A

When it comes to safe and reliable investment options, Fixed Deposits (FDs) remain a preferred choice for many. They offer guaranteed returns, making them a secure way to grow your savings without worrying about market risks. Among the top banks in India,HDFC Bank is well-known for its competitive FD interest rates and customer-friendly services.

With a wide range of options tailored to different needs,HDFC Fixed Deposits provide flexible tenures, attractive interest rates, and additional benefits for senior citizens. Whether you’re saving for a specific goal or looking for a dependable way to invest, HDFC Bank FD interest rates stand out as some of the most competitive in the market.

Investing in an FD is not just about saving money—it’s about securing your future. By opting for one of thebest FD rates in India offered by HDFC Bank, you can ensure steady and reliable growth of your funds. If you’re planning to open an FD account, HDFC Bank is a trusted partner in your financial journey.

Also Read: HDFC Bank Savings Account, Interest Rate | How to Apply & Eligibility

HDFC FD Interest Rates 2025

Latest HDFC FD Interest Rates Under ₹3 Cr for Domestic, NRO & NRE (Effective June 10, 2025)

HDFC Bank offers different interest rates based on the investment period and the type of customer (regular or senior citizen).

Fixed Deposit Tenor	Regular Customers Interest Rate (p.a.)	Senior Citizen Rates (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 ≤ 6 months	4.25%	4.75%
6 months 1 day ≤ 9 months	5.50%	6.00%
9 months 1 day to < 1 year	5.75%	6.25%
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 ≤ 3 Years	6.45%	6.95%
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 ≤ 5 Years	6.40%	6.90%
5 Years 1 day – 10 Years	6.15%	6.65%

Note: Senior citizen interest rates are not applicable to NRIs, and NRE deposits require a minimum tenure of one year.

Latest HDFC FD Rates (₹3 Cr to <₹5 Cr) for Domestic, NRO & NRE – From June 18, 2025

	>=3 Crore to < 5 Crores
Tenor	Regular Customers Interest Rate (p.a.)	Senior Citizen Rates (p.a.)
7 - 14 days	4.00%	4.50%
15 - 29 days	4.00%	4.50%
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	5.75%	6.25%
6 months 1 day ≤ 9 months	5.90%	6.40%
9 months 1 day to < 1 Year	6.00%	6.50%
1 Year to < 15 months	6.15%	6.65%
15 months to < 18 months	6.15%	6.65%
18 months to < 21 months	6.15%	6.65%
21 months to 2 years	6.15%	6.65%
2 Years 1 day to 3 Years	6.25%	6.75%
3 Years 1 day to 5 Years	6.35%	6.85%
5 Years 1 day to 10 Years	6.15%	6.65%

Note: NRI customers are not eligible for senior citizen interest rates, and NRE deposits must have a minimum tenure of one year.

HDFC Fixed Deposit Interest Rates on Retail Deposits of Rs.5 Cr and above

Period	5 crore < 5.25 crore	>= 5.25 crore < 5.50 crore	>= 5.50 crore < 24.75 crore	>= 24.75 crore to < 25 crore	>= 25 crore to < 50 crore
7 - 14 days	4.00%	4.00%	4.00%	4.00%	4.00%
15 - 29 days	4.00%	4.00%	4.00%	4.00%	4.00%
30 - 45 days	4.75%	4.00%	4.75%	4.00%	4.75%
46 - 60 days	5.00%	4.00%	5.00%	4.00%	5.00%
61 - 88 days	5.25%	4.00%	5.25%	4.00%	5.25%
89 days ≤ 120 days	5.75%	4.00%	5.75%	4.00%	5.75%
121 days ≤ 150 days	5.75%	4.00%	5.75%	4.00%	5.75%
151 days ≤ 6 months	5.75%	4.00%	5.75%	4.00%	5.75%
6 months 1 day ≤ 9 months	5.90%	4.00%	5.90%	4.00%	5.90%
9 months 1 day to < 1 year	6.00%	4.25%	6.00%	4.25%	6.00%
1 year to < 15 months	6.15%	4.25%	6.15%	4.25%	6.15%
15 months to < 18 months	6.15%	4.25%	6.15%	4.25%	6.15%
18 months to < 21 months	6.15%	4.25%	6.15%	4.25%	6.15%
21 months to 2 years	6.15%	4.25%	6.15%	4.25%	6.15%
2 years 1 day to 3 years	6.25%	4.25%	6.25%	4.25%	6.25%
3 years 1 day to 5 years	6.35%	4.25%	6.35%	4.25%	6.35%
5 years 1 day to 10 years	6.15%	4.25%	6.15%	4.25%	6.15%

HDFC Fixed Deposit Interest Rates on Non-Withdrawable Domestic/NRE/NRO

Term Deposits of Rs.2 crores and above, less than Rs.50 crores

Period	₹2 Cr to < ₹5 Cr	₹5 Cr to < ₹5.25 Cr	₹5.25 Cr to < ₹5.50 Cr	₹5.50 Cr to < ₹24.75 Cr	₹24.75 Cr to < ₹25 Cr	₹25 Cr to < ₹50 Cr
89 days ≤ 120 days	NA	5.85%	5.85%	5.85%	5.85%	5.85%
121 days ≤ 150 days	NA	5.85%	5.85%	5.85%	5.85%	5.85%
151 days ≤ 6 months	NA	5.85%	5.85%	5.85%	5.85%	5.85%
6 months 1 day ≤ 9 months	NA	6.00%	6.00%	6.00%	6.00%	6.00%
9 months 1 day to < 1 year	NA	6.10%	6.10%	6.10%	6.10%	6.10%
1 year to < 15 months	6.25%	6.25%	6.25%	6.25%	6.25%	6.25%
15 months to < 18 months	6.25%	6.25%	6.25%	6.25%	6.25%	6.25%
18 months to < 21 months	6.25%	6.25%	6.25%	6.25%	6.25%	6.25%
21 months to 2 years	6.25%	6.25%	6.25%	6.25%	6.25%	6.25%
2 years 1 day to 3 years	6.35%	6.35%	6.35%	6.35%	6.35%	6.35%
3 years 1 day to 5 years	6.45%	6.45%	6.45%	6.45%	6.45%	6.45%
5 years 1 day to 10 years	6.25%	6.25%	6.25%	6.25%	6.25%	6.25%

HDFC Fixed Deposit Interest Rates on Non-Withdrawable Domestic/NRE/NRO

Term Deposits of Rs.50 crores and up to Rs.500 crores

Period	₹50 Cr to < ₹100 Cr	₹100 Cr to < ₹300 Cr	₹300 Cr to < ₹400 Cr	₹400 Cr to < ₹500 Cr	₹500 Cr and above
89 days ≤ 120 days	7.20%	7.20%	7.20%	7.20%	7.20%
121 days ≤ 150 days	7.25%	7.25%	7.25%	7.25%	7.25%
151 days ≤ 6 months	7.30%	7.30%	7.30%	7.30%	7.30%
6 months 1 day ≤ 9 months	7.45%	7.45%	7.45%	7.45%	7.45%
9 months 1 day to < 1 year	7.55%	7.55%	7.55%	7.55%	7.55%
1 year to < 15 months	7.70%	7.76%	7.87%	7.87%	7.87%
15 months to < 18 months	7.45%	7.45%	7.45%	7.45%	7.45%
18 months to < 21 months	7.45%	7.45%	7.80%	7.45%	7.45%
21 months to 2 years	7.45%	7.45%	7.45%	7.45%	7.45%
2 years 1 day to 3 years	7.20%	7.20%	7.20%	7.20%	7.20%
3 years 1 day to 5 years	7.20%	7.20%	7.20%	7.20%	7.20%
5 years 1 day to 10 years	7.20%	7.20%	7.20%	7.20%	7.20%

Types of HDFC Fixed Deposits

HDFC Bank offers a variety of Fixed Deposit (FD) options tailored to meet different financial needs. Here are the main types of HDFC Fixed Deposits:

1. Regular Fixed Deposit

Grow your income with compound interest by reinvesting the principal and interest.
Cover any shortfalls in your savings account through the sweep-in facility linked to your FD.
Tackle cash flow issues with the Super-Saver overdraft facility,which allows you to borrow against your FD.

2.Direct Deposit FD

Open an FD without a savings account – perfect for all Indians, including non-HDFC Bank customers.
Enjoy attractive interest rates and assured returns.
A fully digital, paperless process ensures convenience and speed.

3.HDFC Bank HealthCover FD

A unique FD offering financial growth along with health safeguards.
Minimum FD amount: ₹5 lakhs; Maximum FD amount: ₹2.99 crores.
Tenure flexibility from 1 year to 10 years.
Interest rates are the same as the Regular Fixed Deposit.

4.Five-Year Tax Saving Fixed Deposit

Get dual benefits: save tax under Sec 80C while earning interest.
Invest a minimum of ₹100 up to ₹1.5 lakhs in a financial year.
Choose quarterly or monthly interest payouts.

5.FCNR Deposits (Foreign Currency Non-Resident)

Earn Indian interest rates on deposits held in six global currencies.
Protect your deposit from currency fluctuations.
Fully repatriate principal and interest while enjoying tax exemptions.

6.Non-Withdrawable Deposits

No premature or partial withdrawal is allowed.
Get assured returns - Earn quarterly or monthly interest payouts.

Also Check - HDFC Bank Recurring Deposit Rate

HDFC FD Calculator

Want to know how much return you can earn on your deposit? Use the HDFC FD Calculator to compute the maturity amount based on your investment amount, chosen tenure, and applicable interest rate. This tool helps you plan your finances better and choose the ideal tenure for optimal returns. Whether you are saving for short-term goals or long-term plans, the calculator gives you a clear picture of your potential earnings.

Benefits of Using HDFC FD Calculator:

Quick and accurate maturity value
Helps compare multiple FD options
Easy to adjust principal and tenure
Ideal for both regular and senior citizen investors

Taxation on FD Interest

Interest earned on HDFC FDs is taxable under ‘Income from Other Sources.’

TDS is deducted if the interest exceeds ₹40,000 in a year (₹50,000 for seniors).
You can submit Form 15G/15H to avoid TDS if your income is below the taxable limit.
Include your FD interest in your annual income while filing returns

Benefits of Investing in HDFC Fixed Deposits

HDFC Bank Fixed Deposits (FDs) come with a range of benefits that make them a secure and attractive investment option for both short-term and long-term goals.

Attractive Interest Rates: Earn lucrative interest rates on your savings, ensuring greater returns over time.
Flexible Tenure Options: You can invest for as less as 7 days and up to 10 years, depending on your financial goals.
Premature Withdrawal Facility:In case of emergencies, you can withdraw funds before maturity (penalty may apply), ensuring liquidity when needed.
Special Benefits for Senior Citizens: Senior citizens enjoy higher interest rates, making HDFC FDs a great choice for retirement planning.
Customizable Interest Payouts: Select an interest payout frequency—monthly, quarterly, annual, or cumulative—that aligns with your financial needs.
Auto-Renewal Facility:HDFC Bank offers the convenience of automatic renewal of your FD under the same terms at prevailing rates. Specific renewal instructions can also be provided.
Nomination FacilityRegister a nominee on your FDs to ensure seamless benefits transfer. Update or modify nominee details any time during the tenure of the deposit.
Loan Against FD: Use your FD as collateral to secure a loan without breaking the deposit, ensuring you don’t lose out on interest benefits.

Interesting Read:Where To Invest Money to Get Good Returns

How to Open an HDFC Fixed Deposit Account?

Opening a Fixed Deposit (FD) with HDFC Bank is a quick and hassle-free process, offering both online and offline options for your convenience.

For HDFC Bank Customers:

1. NetBanking or Mobile Banking:

Log in to your HDFC NetBanking account or Mobile Banking app.
Navigate to the "Fixed Deposit" section.
Follow the prompts to enter the FD amount, tenure, and payout preference.
Confirm your details, and your FD account will be created instantly.

2. PayZapp:

HDFC Bank’s PayZapp app allows you to book an FD in just a few clicks.

For New Customers (Without HDFC Savings Account):

1. Open Direct FD Online:

You can open a Direct FD without needing an HDFC savings account.
Visit HDFC Bank’s digital booking portal.
Select your desired FD tenure and amount.
Enter your personal details and complete the process digitally.
Complete the video KYC process for identity verification.
Confirm your booking and start earning assured returns.

Disclaimer: The fixed deposit features, interest rates, process to apply, and all other information specified above are as of when this page was written and are subject to change. For exact information, contact the bank or refer to the official website.

Factors to Consider Before Investing in HDFC FDs

Interest Rates: Compare HDFC FD interest rates with other banks to ensure you’re getting the best returns. Higher rates mean greater earnings over the deposit period.
Tenure Options: HDFC FDs offer flexible tenures ranging from 7 days to 10 years. Plan a fixed deposit tenure that aligns with your financial goals, both in the short-term and the long-term.
Reinvestment Options: Decide whether you want the interest to be paid out periodically (monthly, quarterly, annually) or reinvested for compounding returns until maturity.
Premature Withdrawal: Understand the terms for premature withdrawal. While HDFC FDs allow early withdrawals, penalties or loss of interest may apply.
Special Schemes and Offers: Explore special options like higher interest rates for senior citizens, tax-saving FDs, or health cover FDs to see if you qualify for additional benefits.
Additional Features: Look for features like loans against FD, nomination facilities, and seamless online account management.
Customer Service: HDFC Bank is known for its efficient customer support, ensuring a smooth experience both online and offline.

HDFC Bank FD Interest Rates – FAQs:

1. What is the highest FD interest rate offered by HDFC?

As per the official HDFC Bank website, the highest FD interest rate offered is 7.10% per annum for resident senior citizens on tenures of 18 months to less than 21 months for deposits below ₹3 crore. For general customers, the highest rate is 6.60% per annum. These rates are applicable to regular fixed deposits.

2. Is there a difference in rates for senior citizens?

Yes, HDFC Bank offers higher interest rates for senior citizens (aged 60 years and above). Typically, senior citizens get an additional 0.50% over the regular FD rates, helping them maximize their returns.

3. Can I break my FD before maturity?

Yes, HDFC Bank allows premature withdrawals of Fixed Deposits. However, it may come with a penalty or reduced interest depending on the tenure completed. Non-withdrawable FDs, however, do not permit early withdrawals.

4. How do I calculate returns on my HDFC FD?

You can use CreditMantri’s FD calculator available on our website. Simply input the deposit amount, tenure, and interest payout option to get an estimate of your maturity amount and returns. Click here to access the FD Returns Calculator.

5. Are there any tax implications for FD interest earnings?

Yes, Interest earned on Fixed Deposits is considered taxable income under the regulations of the Income Tax Act of India. If the interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year,

TDS (Tax Deducted at Source) will be applied at 10%. If your annual income is below the taxable limit, you should submit Form 15G/15H at the bank to stop them from deducting TDS.

Disclaimer:This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.

Latest & Update Hdfc Bank Fixed Deposit Rate News

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