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The housing finance company HDFC Limited has merged with the leading private sector bank, HDFC Bank, with effect from July 1, 2023. The merger announcement was made on April 4, 2022, but it took 15 to 18 months for the merger process to be concluded. Thus, the depositors of HDFC Ltd. have become the depositors of HDFC Bank with effect from July 1, 2023. Thus, customers seeking to open an FD with HDFC Ltd. or gather information about fixed deposits should contact HDFC Bank. Listed below are the HDFC Bank FD interest rates:
Book FDs at Interest rate upto 8.00% p.a
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HDFC Bank Fixed Deposit (FD) Interest Rates Highlights
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| Highest slab rate – (18 months to less than 21 months) | 6.60 | 7.10 |
| For 1 year | 6.25 | 6.75 |
| For 2 years | 6.45 | 6.95 |
| For 3 years | 6.45 | 6.95 |
| For 4 years | 6.40 | 6.90 |
| For 5 years | 6.40 | 6.90 |
| Tax-Saving FD | 6.40 | 6.90 |
Note: Rates as of 5 February 2026
HDFC Bank offers an additional 50 bps on regular FD interest rates to resident senior citizen FD depositors aged 60 years and above
