HDFC Bank customers can open Online HDFC Bank Fixed Deposits through three modes: HDFC Bank website, HDFC Bank mobile app and HDFC Net banking. The interest rates of HDFC Bank online FDs are the same as Fixed Deposits opened through offline modes. Currently, the bank offers fixed deposit interest rates of 3.50%-7.90% p.a. for senior citizens depositors and 3.00%-7.40% p.a. for other resident depositors.
HDFC Bank FD Interest Rates – Highlights
| 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. |
Rates as of 30th December 2024
How to Apply for HDFC Fixed Deposit Online
Through HDFC Bank website:
- Visit HDFC Bank website
- Click on Fixed Deposit option under the “Save” tab
- Click on “Apply Online” under Regular Fixed Deposits
- Enter your mobile number registered with HDFC Bank
- Fill in your date of birth or click to validate with PAN
- An OTP will be sent for verification
- Select the account you wish to connect
- Edit deposit details
- Reconfirm the application and authenticate with OTP
- Your FD will be created
Through HDFC Mobile App:
- Login to HDFC Mobile Banking App
- Go to Menu and click on Save
- Select Open Fixed Deposit
- Enter the required details and confirm
Through HDFC Net Banking:
- Login to HDFC Net Banking
- Select ‘Transact’ under the ‘Accounts’ tab
- Click on “Open Fixed Deposit” < Rs 5 crore
- Fill in the required details
- Click on ‘Continue’ and then ‘Confirm’
Comparison of Top 20 Scheduled Banks based on FD Rates
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 |
| Shivalik Small Finance Bank | 8.80 | 6.00 | 7.50 | 6.50 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.25 | 8.25 | 8.60 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| ESAF Small Finance Bank | 8.38 | 6.00 | 6.75 | 6.25 | 0.50 |
| 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 |
| Equitas Small Finance Bank | 8.25 | 8.10 | 8.00 | 7.25 | 0.50-0.75 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| AU Small Finance Bank | 8.10 | 7.25 | 7.50 | 7.25 | 0.50 |
| DCB Bank | 8.05 | 7.10 | 8.05 | 8.05 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| RBL Bank | 8.00 | 7.50 | 7.50 | 7.10 | 0.50 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 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 |
| Central Bank of India | 7.50 | 6.85 | 7.00 | 6.75 | 0.50 |
| Punjab & Sind Bank | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
HDFC Fixed Deposit Interest Rates
HDFC Fixed Deposit Rates on Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 24 July 2024
| 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:-
- *Extra 0.25% above the existing HDFC FD interest rates for senior citizens under the Senior Citizens Care FD.
- The additional senior citizen rates are not applicable to NRO and NRE deposits
- The minimum tenure for NRE deposits is 1 year