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HDFC Bank Online FD

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Book SBM Bank FD @6.5%* p.a.

& Get a Lifetime Free Step Up Credit Card

  • Safe & Secure FD, Insured by RBI

  • No Savings A/c Required

  • FD Starts from Rs 2000

  • Card Limit = 90% of FD

*Rates are subject to change as per the bank's discretion.

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FREE Step Up Credit Card

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Updated: 07-11-2024 06:28:21 AM

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 7th November 2024

Looking for Higher FD rates? Book an FD @6.5% p.a. and get a lifetime free credit card

  • FDs of up to ₹5 lakhs insured by RBI

  • No hassle of opening a saving account

  • No documentation

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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

Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 90% of FD Amount

  • Instant Virtual Card

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stepup 6.5%INTEREST ON FD

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’
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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 Bank9.007.858.158.150.50
North East Small Finance Bank9.007.009.006.250.50
Suryoday Small Finance Bank8.608.058.608.250.50
Shivalik Small Finance Bank8.556.007.506.500.50
Utkarsh Small Finance Bank8.508.008.507.750.60
Jana Small Finance Bank8.258.258.258.200.50
Ujjivan Small Finance Bank8.258.257.207.200.50
ESAF Small Finance Bank8.256.006.756.250.50
Equitas Small Finance Bank8.258.208.007.250.50-0.75
SBM Bank8.257.057.307.750.50
RBL Bank8.107.507.507.100.50
DCB Bank8.057.107.557.400.50
Bandhan Bank8.058.057.255.850.50-0.75
AU Small Finance Bank8.007.257.507.250.50
IDFC First Bank7.906.506.806.750.50
YES Bank7.757.257.257.250.50-0.75
Induslnd Bank7.997.757.257.250.50
Central Bank of India7.457.006.005.750.50
Punjab & Sind7.456.306.006.006.00
HDFC Bank7.406.607.007.000.50

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
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