HDFC Bank offers FD rates of 3.00-7.40% p.a. to the general public and 3.50-7.90% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The bank also offers Tax Saving FDs @ 7.00% p.a. for the general public and 7.50% p.a. for senior citizen depositors for the tenures of 5 years. The bank also offers various fixed deposit products for NRIs, such as NRO, NRE, RFC and FCNR fixed deposits. HDFC Bank accepts FCNR fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro, Japanese Yen (JPY), Canadian Dollar (CAD), and Australian Dollar (AUD). The bank accepts RFC fixed deposits in USD, GBP, Euro and JPY.
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FD Starts from Rs 2000
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*Rates are subject to change as per the bank's discretion.
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| Highest slab rate | 7.40% p.a. (4 years 7 months (55 months) |
| For 1 year | 6.60% p.a. |
| For 2 years | 7.00% p.a. |
| For 3 years | 7.00% p.a. |
| For 4 years | 7.00% p.a. |
| For 5 years | 7.00% p.a. |
| Tax-Saving FD | 7.00% p.a. |
Interest rates are updated as of 26 November 2024
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
| Tenure (Days/Years) | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 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 | 7.25 | 7.75 |
| 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 (35 months) | 7.35 | 7.85 |
| 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 (55 months) | 7.40 | 7.90 |
| 4 years 7 months 1 day – 5 years | 7.00 | 7.50 |
| 5 years 1 day – 10 years | 7.00 | 7.50 |
Note:- 1. The additional senior citizen rates are not applicable to NRO and NRE deposits
2. The minimum tenure for NRE deposits is 1 year
Card limit is 90% of FD Amount
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Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Unity Small Finance Bank | 9.00 | 7.85 | 8.15 | 8.15 | 0.50 |
| North East Small Finance Bank | 9.00 | 7.00 | 9.00 | 6.25 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.05 | 8.60 | 8.25 | 0.50 |
| Shivalik Small Finance Bank | 8.55 | 6.00 | 7.50 | 6.50 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| Jana Small Finance Bank | 8.25 | 8.25 | 8.25 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| ESAF Small Finance Bank | 8.25 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 8.25 | 8.20 | 8.00 | 7.25 | 0.50 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| RBL Bank | 8.10 | 7.50 | 7.50 | 7.10 | 0.50 |
| DCB Bank | 8.05 | 7.10 | 7.55 | 7.40 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| AU Small Finance Bank | 8.00 | 7.25 | 7.50 | 7.25 | 0.50 |
| IDFC First Bank | 7.90 | 6.50 | 6.80 | 6.75 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 7.25 | 0.50 |
| Central Bank of India | 7.45 | 7.00 | 6.00 | 5.75 | 0.50 |
| Punjab & Sind | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years | 7.00 | 7.50 |
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| Tenure (Days/Years) | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 – 14 days | 4.75 | 5.25 |
| 15 – 29 days | 4.75 | 5.25 |
| 30 – 45 days | 5.50 | 6.00 |
| 46 – 60 days | 5.75 | 6.25 |
| 61 – 89 days | 6.00 | 6.50 |
| 90 days – 6 months | 6.50 | 7.00 |
| 6 months 1 day – 9 months | 6.65 | 7.15 |
| 9 months 1 day – less than 1 year | 6.75 | 7.25 |
| 1 year – less than 15 months | 7.40 | 7.90 |
| 15 months – less than 18 months | 7.05 | 7.55 |
| 18 months – less than 21 months | 7.25 | 7.75 |
| 21 months – 2 years | 7.05 | 7.55 |
| 2 years 1 day – 3 years | 7.00 | 7.50 |
| 3 years 1 day – 5 years | 7.00 | 7.50 |
| 5 years 1 day – 10 years | 7.00 | 7.50 |
Note: – 1. The additional senior citizen rates are not applicable to NRO and NRE deposits
2. The minimum tenure for NRE deposits is 1 year
3. *Additional interest rate of 0.25% (over and above the existing interest rate of 0.50%) is offered to senior citizens for a tenure of 5 years 1 day to 10 years
| Period | Interest Rates (% p.a.) | |||||||||
| GBP | USD | EURO | JPY | AUD | CAD | Effective on | ||||
| Less than 1 million | 1 million to less than 20 million | 20 million to less than 100 million | 100 million & above | |||||||
| 1 year – less than 2 years | 4.60 | 4.70 | 4.70 | 4.70 | 4.70 | 2.80 | 0.01 | 4.15 | 3.15 | 14 November 2024 |
| 2 years – less than 3 years | NA | 4.00 | 4.00 | 4.00 | 4.00 | NA | NA | 4.00 | 2.80 | 1 November 2024 |
| 3 years – less than 4 years | NA | 3.90 | 3.90 | 3.90 | 3.90 | NA | NA | 3.90 | 2.60 | 1 November 2024 |
| 4 years – less than 5 years | NA | 3.60 | 3.60 | 3.60 | 3.60 | NA | NA | 3.85 | 2.45 | 1 November 2024 |
| 5 years only | NA | 3.60 | 3.60 | 3.60 | 3.60 | NA | NA | 3.85 | 2.45 | 1 November 2024 |
| Period | Interest Rates (% p.a.) | Effective From | |||
| GBP | USD | EURO | JPY | ||
| Less than 29 days | 0.01 | 0.01 | 0.01 | 0.01 | 1 December 2018 |
| 30 days – 3 months | 0.01 | 0.01 | 0.01 | 0.01 | 1 December 2018 |
| 3 months 1 day – 6 months | 0.01 | 0.01 | 0.01 | 0.01 | 1 December 2018 |
| 6 months 1 day – less than 1 year | 0.01 | 0.01 | 0.01 | 0.01 | 1 December 2018 |
| 1 year – less than 2 years | 4.60 | 4.70 | 2.80 | 0.01 | 14 November 2024 |
| 2 years – less than 3 years | 0.01 | 4.00 | 0.01 | 0.01 | 1 November 2024 |
| 3 years only | 0.01 | 3.90 | 0.01 | 0.01 | 1 November 2024 |
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When going for any of the prior mentioned fixed deposit schemes with HDFC, it is recommended to check the estimated maturity amount using the HDFC FD Calculator at Paisabazaar.com. This is an online free tool that can be used multiple times for different tenure and FD rates. To use it basic information about the deposit amount and tenure must be entered along with the latest FD interest rates corresponding with the chosen FD tenure.
Customers of HDFC Bank FD (domestic) schemes are liable for TDS or Tax Deducted at Source.
Suggested Read: Income Tax on Fixed Deposits
Q. What is the online process of prematurely closing HDFC bank Fixed Deposits?
A: Depositors can prematurely close their HDFC Bank Fixed Deposits by simply logging to NetBanking with Customer ID and IPIN (NetBanking Password). Then, select on “Liquidate Fixed Deposit ” option under the Fixed Deposit menu, choose the FD account number, confirm the details entered and the FD will be closed.
Q. Can I open a joint HDFC Bank Regular FD with a non-senior citizen?
A: Yes, you can open joint HDFC FD with a senior citizen as long as the senior citizen (aged 60 years and above) is the first account holder of the FD account.
Q. Can I open an HDFC Bank FD even if I don’t have any existing account in the bank?
A: Yes, you can open HDFC Bank Direct Deposit FD scheme without the need to open a savings account with the Bank.
Q. What are the interest rates of HDFC Bank HealthCover FD?
A: The interest rate on HDFC Bank HealthCover FD is the same as offered on HDFC Bank Regular Fixed Deposits.
Q. Can I opt for a monthly or quarter interest payout on HDFC Bank HealthCover FD?
A: Yes, you can opt for a monthly or quarterly interest payout option while opening HealthCover FD of HDFC Bank. However, the interest rate applicable on the monthly payout option will be discounted over the standard deposit rate.
Q. Is there any age restriction on opening HDFC Bank HealthCover FD?
A: Resident individuals falling in the age group of 18 to 59 years are eligible to open HDFC Bank HealthCover FD.
Q. Can I liquidate my HDFC Bank HealthCover FD before its maturity?
A: Yes, you can liquidate your HDFC Bank HealthCover FD before its maturity date. However, the health insurance cover provided through the HealthCover FD will be de-activated with immediate effect on the premature closure of the FD or partial premature closure amounting to 50% of the original principal amount within a year.
Q. What is the process of opening HDFC Bank HealthCover FD?
A: Depositors can open HDFC Bank HealthCover FD online through the bank’s net banking facility.
Q. Is TDS applicable on the interest income of HDFC Bank HealthCover FD?
A: Yes, TDS will be applicable on HDFC Bank HealthCover FDs as per the extant statutory guidelines.
Q. How long is the validity of Hospital Cash Cover provided through HDFC Bank HealthCover FD?
A: The Hospital Cash Cover offered through HDFC Bank HealthCover FD is valid for 1 year from the date opening the FD.
Q. Do I have to pay any premium for Hospital Cash Cover for the first year?
A: No, you don’t have to pay any premium for Hospital Cash Cover for the first year.
Q. Can I change the tenure of my existing HDFC Bank FD?
A: You cannot change the tenure once the fixed deposit account is opened. In case you want to opt for a different tenure, then you would have to prematurely close your existing FD and use the closure proceeds to open a fresh FD with the desired tenure.
Q. Can I open an HDFC Bank Tax Saving Fixed Deposit joint account with a non-senior citizen?
A: You can open an HDFC Bank Tax Saving FD joint account with a non-senior citizen as long as the first account holder is a senior citizen (aged 60 years and above). Note that the tax deduction for that Tax Saving FD can only be claimed by its first holder.
Q. What is the process for availing HDFC Bank Sweep-in facility?
A: Depositors can avail the HDFC Bank Sweep-in facility through NetBanking by clicking on ‘Fixed Deposit Sweep-In’ under the Fixed Deposit tab. Depositors need to click on the Savings Account number and choose the FD number that they want to be linked for the sweep-in. Note that the netbanking facility for opting HDFC Sweep-in facility is available to single account holders only. Other customer categories should visit HDFC Bank branches to avail this facility.
Q. Can I link multiple HDFC Bank FDs to my Sweep-in facility?
A: Yes, you can link multiple HDFC Bank FDs to your Sweep-in facility
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