HDFC Bank offers FD rates of 3.00-7.20% p.a. to the general public and 3.50-7.75% 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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| Highest slab rate | 7.20% p.a. (4 years 7 months (Special Edition FD – 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. |
The interest rates are updated as of 4 December 2023
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 | 7.00 | 7.50 |
| 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 (Special Edition FD – 35 months) | 7.15 | 7.65 |
| 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 (Special Edition FD – 55 months) | 7.20 | 7.70 |
| 4 years 7 months 1 day – 5 years | 7.00 | 7.50 |
| 5 years 1 day – 10 years | 7.00 | 7.75* |
Note:- 1. *Extra 0.25% above the existing interest rates for senior citizens under the Senior Citizens Care FD.
2. The additional senior citizen rates are not applicable to NRO and NRE deposits
3. The minimum tenure for NRE deposits is 1 year
Card limit is 100% of FD Amount
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6.5%INTEREST ON FD
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 | 7.35 | 7.65 | 7.65 | 0.50 |
| Fincare Small Finance Bank | 8.61 | 7.65 | 8.11 | 8.00 | 0.60 |
| Suryoday Small Finance Bank | 8.60 | 6.85 | 8.60 | 8.25 | 0.50 |
| Equitas Small Finance Bank | 8.50 | 8.20 | 8.00 | 7.25 | 0.50 |
| Jana Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.25 | 0.50 |
| ESAF Small Finance Bank | 8.50 | 6.00 | 6.75 | 6.25 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.50 | 0.60 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| Shivalik Small Finance Bank | 8.10 | 8.10 | 8.00 | 7.00 | 0.50 |
| AU Small Finance Bank | 8.00 | 6.75 | 8.00 | 7.25 | 0.50 |
| RBL Bank | 8.00 | 7.50 | 7.50 | 7.10 | 0.50 |
| DCB Bank | 7.90 | 7.15 | 7.60 | 7.40 | 0.50-0.60 |
| Bandhan Bank | 7.85 | 7.25 | 7.25 | 5.85 | 0.50-0.75 |
| Induslnd Bank | 7.85 | 7.50 | 7.25 | 7.25 | 0.40-0.75 |
| IDFC First Bank | 7.75 | 6.50 | 7.25 | 7.00 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Punjab & Sind Bank | 7.40 | 6.20 | 6.00 | 6.00 | 0.50 |
| Punjab National Bank | 7.25 | 6.75 | 7.00 | 6.50 | 0.50 |
| Bank of Baroda | 7.25 | 6.75 | 7.25 | 6.50 | 0.50-1.00 |
| 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 | 7.25 | 7.75 |
| 15 months – less than 18 months | 7.05 | 7.55 |
| 18 months – less than 21 months | 7.05 | 7.55 |
| 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 | 7.75* |
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 | 5.15 | 5.85 | 5.85 | 5.85 | 5.85 | 3.60 | 0.01 | 4.60 | 4.70 | 1 December 2023 |
| 1 year 1 day – less than 2 years | NA | 4.65 | 4.65 | 4.65 | 4.65 | NA | NA | 4.30 | 4.00 | 1 December 2023 |
| 2 years – less than 3 years | NA | 4.20 | 4.40 | 4.40 | 4.40 | NA | NA | 4.05 | 3.50 | 1 December 2023 |
| 3 years – less than 4 years | NA | 3.90 | 3.90 | 3.90 | 3.90 | NA | NA | 3.95 | 3.20 | 1 December 2023 |
| 4 years – less than 5 years | NA | 3.55 | 3.55 | 3.55 | 3.55 | NA | NA | 3.95 | 3.00 | 1 December 2023 |
| 5 years only | NA | 3.55 | 3.55 | 3.55 | 3.55 | NA | NA | 3.95 | 3.00 | 1 December 2023 |
| 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 | 5.15 | 5.85 | 3.60 | 0.01 | 1 December 2023 |
| 1 year 1 day – less than 2 years | 0.01 | 4.65 | 0.01 | 0.01 | 1 December 2023 |
| 2 years – less than 3 years | 0.01 | 4.20 | 0.01 | 0.01 | 1 December 2023 |
| 3 years only | 0.01 | 3.90 | 0.01 | 0.01 | 1 December 2023 |
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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 highest HDFC Bank FD interest rate?
A. Currently, the highest HDFC Bank FD rate is 7.20% p.a. offered for a tenure of 4 years 7 months (Special Edition FD – 55 months). Senior citizens get to earn interest at 7.75% p.a. for 5 years 1 day to 10 years.
Q. Are there any preferential HDFC Bank FD interest rates for senior citizens?
A. Yes, the bank offers 0.50% additional FD rates over the regular HDFC FD interest rates offered to regular individuals. Extra 0.25% of interest is offered to senior citizens investing for a minimum of 5 years and 1 day under the HDFC Bank Senior Citizen Care FD.
Q. Is it compulsory to provide PAN card details while opening an HDFC Bank fixed deposit?
A. It is important to share the PAN details with the bank while investing in a fixed deposit scheme. In case the PAN card is not provided, the following would be the consequences:
Q. Can an investor change the maturity period of the FD?
A. No. The mandate cannot be changed once finalized.
Q. Can I invest more in my already active HDFC Bank Fixed Deposit Scheme?
A. No. Fixed deposits are one-time investment vehicles. This means that along with the interest rates, your investment amount, i.e. the amount deposited also remains fixed. However, if you wish to multiply your investment while earning interest at fixed rates, you should consider Recurring Deposits.
Q: What is the minimum amount required for opening HDFC Bank FD?
A. The minimum deposit amount required for opening HDFC Bank FD is Rs 5,000.
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