HDFC Bank FD Interest Rates

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.

HDFC Bank FD Interest Rates – Highlights

Highest slab rate	6.45% p.a. (18 months to 3 years)
For 1 year	6.25% p.a.
For 2 years	6.45% p.a.
For 3 years	6.45% p.a.
For 4 years	6.40% p.a.
For 5 years	6.40% p.a.
Tax-Saving FD	6.40% p.a.

Interest rates are updated as of 14 January 2026

HDFC FD Interest Rates

Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 17 December 2025

Tenure (Days/Years)	Interest Rates (% p.a.)
	Regular Citizens	Senior Citizens
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 – less than 1 year	5.75	6.25
1 year – less than 15 months	6.25	6.75
15 months – less than 18 months	6.35	6.85
18 months – less than 21 months	6.45	6.95
21 months  – 2 years	6.45	6.95
2 years 1 day – less than 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 – less than 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:-

1. The additional senior citizen rates are not applicable to NRO and NRE deposits
2. The minimum tenure for NRE deposits is 1 year

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Comparison of Top 20 Scheduled Banks based on FD Rates

HDFC FD Rates – Tax Saver

Tenure	Interest Rates (% p.a.)
	Regular Citizens	Senior Citizens
5 years	6.40	6.90

HDFC FD Interest Rates – Domestic/NRO/NRE Deposits of Rs 3 crore to less than Rs 5 crore w.e.f. 27 October 2025

Tenure (Days/Years)	Interest Rates (% p.a.)
	Regular Citizens	Senior Citizens
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	5.50	6.00
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	6.25	6.75
15 months – less than 18 months	6.25	6.75
18 months – less than 21 months	6.40	6.90
21 months – 2 years	6.40	6.90
2 years 1 day – 3 years	6.25	6.75
3 years 1 day – 5 years	6.35	6.85
5 years 1 day – 10 years	6.15	6.65

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

HDFC FD Rates – FCNR Rates

Period	Interest Rates (% p.a.)
	GBP	USD	EURO	JPY	AUD	CAD	SGD	Effective From
1 year – less than 2 years	3.60	3.50	1.80	0.25	3.95	2.25	1.30	1 January 2026
2 years – less than 3 years	NA	3.30	NA	NA	4.00	2.30	NA	1 January 2026
3 years – less than 4 years	NA	3.30	NA	NA	4.10	2.30	NA	1 January 2026
4 years – less than 5 years	NA	3.00	NA	NA	4.05	2.30	NA	1 January 2026
5 years only	NA	2.85	NA	NA	3.85	2.15	NA	1 January 2026

HDFC Bank Fixed Deposit Rates – RFC Rates

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	3.60	3.50	1.80	0.25	1 January 2026
2 years – less than 3 years	0.01	3.30	0.01	0.01	1 January 2026
3 years only	0.01	3.20	0.01	0.01	1 January 2026

Types of HDFC Bank FD Schemes

HDFC Bank Regular Fixed Deposit

• Minimum deposit amount: Rs 5,000
• Tenure: 7 days to 10 years
• Depositors can book an FD with a monthly or quarterly interest payout option.
• This scheme allows reinvestment of the interest component to the deposit amount.
• Depositors can also open FDs online at HDFC Bank through the bank’s website, mobile app, and net banking.
• Senior Citizen Benefit:
  • The bank offers an additional 0.50% p.a. interest rate to senior citizens on regular fixed deposit rates.
  • Individuals aged 60 years and above are eligible for this higher interest benefit.

HDFC Bank HealthCover FD

• This fixed deposit scheme offers both the benefits of an FD and the safety of a hospital cash cover.
• Resident individuals aged 18 to 59 years can open HealthCover FD with HDFC Bank.
• Hospital Cash Cover will be provided for the first year on opening HDFC HealthCover FD
  • Hospital Cash Cover of Rs 500 per day for 15 days on FD Amount of Rs 5 lakh to less than Rs 10 lakh.
  • Hospital Cash Cover of Rs 1,000 per day for 15 days on FD Amount of Rs 10 lakh to Rs 2.99 crore.
• FD amount: Rs 5 lakh-2.99 crore
• Flexi Tenure: 1-10 years
• HDFC FD rates offered under this scheme are the same as regular fixed deposit.
• Monthly/quarterly interest payout option, as well as interest reinvestment, is available.
• Depositors can get an instant overdraft of up to 90% of their FD amount.

HDFC Bank Five-Year Tax Saving Fixed Deposit

• Minimum Amount – Rs 100 and in Multiples of Rs. 100
• Maximum amount – Rs 1.5 Lakhs (in a Financial Year (FY))
• Tenure – 5 years (Lock-In)
• Monthly and quarterly payout facilities are available.
• In the case of joint deposits, the first holder of the depositor will only get tax benefits under 80C of the Income Tax Act.
• Eligibility: Resident individuals and Hindu Undivided Families are eligible under HDFC Tax Saving Fixed Deposits.

HDFC Bank Direct Deposit FD

• HDFC Bank Direct Deposit FD allows depositors to open HDFC Bank FD without the need to open a savings bank account with the bank.
• Minimum Amount – Rs 5,000
• Auto renewal and premature withdrawal facilities are available.
• Funding Modes available: UPI – up to Rs 1 lakh, NEFT Transfer up to Rs 25 lakh.
• FD will be booked via the HDFC Bank digital booking portal and when eKYC, Video KYC and funding are completed by the customer.

Non-Withdrawable Deposits

• Minimum fixed deposit amount: Rs 2 crores and above
• Flexi Tenure:
  • Tenure for deposit amount Rs 2 crore to less than Rs 5 crore: 1 year to 10 years.
  • Tenure for deposit amount Rs 5 crore and above: 89 days to 10 years.
• Availability of monthly/quarterly interest payout option as well as interest reinvestment.
• Overdrafts or advances are not allowed for non-withdrawable deposits.

HDFC FD Schemes for NRIs

NRE Fixed Deposit

• Tenure – 1 year to 10 years.
• Depositors can avail of overdraft of up to 90% of their fixed deposits.
• Nomination and sweep-in facility is available.
• Premature withdrawal of NRE fixed deposits is also available.

Foreign Currency Non-Resident Account (FCNR) Fixed Deposit

• Depositors can hold deposits in any of the 6 foreign currencies – US Dollars (USD), Pounds Sterling (GBP), Euro, Australian Dollars (AUD), Japanese Yen (JPY), and Canadian Dollars (CAD).
• Eligibility: Non-resident individual of Indian nationality/Indian origin.
• The principal and interest amount can be repatriated fully.
• Tax exemption on the entire deposit.
• The account can be jointly opened with other NRIs.
• The bank offers a Super Saver facility where depositors can get an overdraft on their NRO Savings or current account against their FCNR Fixed Deposit account.
• Nomination facility is available.
• Minimum initial deposit – USD 1,000, GBP 2,500, Euro 2,500, JPY 7,50,000, AUD 1,000, CAD 1,000
• Minimum add-on deposit – USD 1,000, GBP 1,000, Euro 1,000, JPY 7,50,000, AUD 1,000, CAD 1,000
• Tenor: 1-5 years

Resident Foreign Currency (RFC) Fixed Deposit

Eligibility

• NRIs returned to India on or after 18th April 1992
• Depositors were resident outside India for a continuous period of at least 1 year prior to their return
• Depositors have permanently settled in India since their return

Features

• Deposits can be made in four different currencies: US Dollars (USD), Pounds Sterling (GBP), Euro, and Japanese Yen (JPY).
• Tax exemption on interest accrued on a declaration of Resident but Not Ordinarily Resident status.
• To open an RFC Fixed Deposit account, depositors can either use the funds brought from abroad on their return in a freely convertible foreign currency or transfer funds from an existing NRE or FCNR account held in other banks.

HDFC Bank Overdraft Against Fixed Deposits

• Purpose: To fulfil immediate financial needs (household/business requirements) without breaking FD.
• Depositors can borrow up to 90% of their FD’s overdraft.
• Minimum FD amount: Rs 25,000 and a minimum of 6 months and 1 day is required to obtain an overdraft against a fixed deposit or a Super Saver facility.
• HDFC Overdraft against Fixed Deposit or Super Saver facility on deposit held in single name can be availed of instantly via NetBanking.

Advantages of Overdraft Against Fixed Deposits

• Depositors have to pay interest only on the amount drawn, while their remaining FD continues to earn interest.
• Depositors get the flexibility in altering the period of maturity, deposit, payment instructions and rollover mode before the maturity of the rollover deposit.
• Depositors get the option to select between a Current Account and a Savings Account and to link to their FD.
• Overdraft facility against their singly held FD can be canceled through net banking.

HDFC Bank FD Calculator

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 HDFC 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.

TDS Implication

Customers of HDFC Bank FD (domestic) schemes are liable for Tax Deducted at Source (TDS):-

• TDS will be deducted on interest income amounting above Rs 50,000 (Rs 1 lakh for senior citizens).
• The standard rate for this deduction is set @ 10%.
• If the PAN card is not provided, income tax at the source will be deducted @ 20%.

Suggested Read: Income Tax Exemption on Fixed Deposits

FAQs on HDFC Bank FD Interest Rates

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: 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: What is the highest HDFC FD interest rate?

The highest fixed deposit rate for HDFC Bank is 6.45% for general citizens and 6.95% p.a. for senior citizens for a tenure of 18 months to 3 years.

Q. Can I open an HDFC Bank FD even if I don’t have any existing account in the bank?

A: Individuals who not have any existing account with HDFC Bank but are seeking to open FD with the bank
without opening any savings account can opt for the HDFC Bank Direct Deposit FD scheme.

Q. What are the interest rates of HDFC Bank HealthCover FD?

A: The HDFC FD rates for HealthCover FD scheme is the same as offered on regular fixed deposits.

Q. Can I opt for a monthly or quarter interest payout on HDFC Bank HealthCover FD?

A: 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: 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 of 50% or more 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: 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: 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: You can link multiple HDFC Bank FDs to your Sweep-in facility.