HDFC Bank offers FD rates of 2.75-6.60% p.a. to the general public and 3.25-7.10% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The bank also offers Tax Saving FDs @ 6.40% p.a. for the general public and 6.90% p.a. for senior citizen depositors for the tenures of 5 years.
HDFC Bank FD Interest Rates – Highlights
| Highest slab rate | 6.60% p.a. (18 months to less than 21 months) |
| 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 10 June 2025
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.) |
| slice Small Finance Bank | 9.00 | 7.00 | 8.75 | 8.00 | 0.50 |
| Unity Small Finance Bank | 8.60 | 7.25 | 8.15 | 8.15 | 0.50 |
| Suryoday Small Finance Bank | 8.40 | 7.90 | 8.40 | 8.00 | 0.40 |
| Shivalik Small Finance Bank | 8.30 | 6.00 | 7.50 | 6.50 | 0.50 |
| Utkarsh Small Finance Bank | 8.25 | 6.25 | 8.25 | 7.75 | 0.50 |
| Jana Small Finance Bank | 8.20 | 7.50 | 8.05 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.05 | 7.90 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 8.05 | 7.90 | 7.75 | 7.25 | 0.50-0.60 |
| SBM Bank | 8.05 | 7.50 | 7.30 | 7.75 | 0.50 |
| DCB Bank | 7.75 | 7.10 | 7.25 | 7.25 | 0.50 |
| Bandhan Bank | 7.75 | 7.75 | 7.25 | 5.85 | 0.50-0.75 |
| RBL Bank | 7.75 | 7.50 | 7.50 | 7.10 | 0.50 |
| AU Small Finance Bank | 7.75 | 7.00 | 7.50 | 7.25 | 0.50 |
| ESAF Small Finance Bank | 7.75 | 5.00 | 6.25 | 6.00 | 0.50 |
| YES Bank | 7.50 | 7.00 | 7.50 | 7.50 | 0.50-0.75 |
| Central Bank of India | 7.50 | 6.85 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 7.50 | 7.00 | 7.10 | 7.10 | 0.50 |
| Induslnd Bank | 7.25 | 7.00 | 7.00 | 6.75 | 0.75 |
| Bank of Maharashtra | 7.15 | 6.50 | 6.50 | 6.25 | 0.50 |
| IDFC FIRST Bank | 7.00 | 6.25 | 6.25 | 6.00 | 0.50 |
HDFC FD Interest Rates
Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 10 June 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 | 6.60 | 7.10 |
| 18 months – less than 21 months | 6.60 | 7.10 |
| 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