HDFC Bank’s fixed deposit interest rates are watched closely by savers and investors across India. They reflect the bank’s response to macroeconomic shifts, including Reserve Bank of India policy changes like recent repo rate cuts. Currently, HDFC Bank offers a wide range of FD rates depending on tenure, deposit amount, and account holder’s category such as resident or senior citizen status. Understanding these rates can help individuals make informed decisions on how to invest their idle funds for both short-term and long-term goals.
Overview of HDFC Bank FD Rates
As of late June 2025, HDFC Bank’s interest rates for fixed deposits below â¹3 crore range from 2.75% to 6.60% per annum for regular residents, while senior citizens receive an additional 0.50% premium across all tenures. The highest rate 6.60% applies to a tenure of 1821 months for regular customers, and 7.10% for senior citizens.
Rate Ranges by Tenure (Deposits Below â¹3 Crore)
- 714 days: 2.75% (3.25% for seniors)
- 1529 days: 2.75% (3.25%)
- 3045 days: 3.25% (3.75%)
- 4660 days: 4.25% (4.75%)
- 6189 days: 4.25% (4.75%)
- 90 days 6 months: 4.25% (4.75%)
- 6 months <9 months: 5.50% (6.00%)
- 9 months <1 year: 5.75% (6.25%)
- 1 year <15 months: 6.25% (6.75%)
- 15 months <18 months: 6.35% (6.85%)
- 18 months <21 months: 6.60% (7.10%)
- 21 months 2 years: 6.45% (6.95%)
- 2 3 years: 6.45% (6.95%)
- 3 4 years 7 months: 6.40% (6.90%)
- 4 years 7 months 5 years: 6.40% (6.90%)
- 5 years 10 years: 6.15% (6.65%)
These rates are current as of June 25, 2025.
FD Rates for Large Deposits (Above â¹3 Crore)
For deposits between â¹3 crore and â¹5 crore, the rates remain competitive but slightly lower in short tenures. For example, 714 days is 4.00% (4.50% for seniors), and longer durations steadily increase up to 6.35%6.85%.
Detailed tenure-based rates (â¹35 crore)
- 714 days: 4.00% (4.50%)
- 1529 days: 4.00% (4.50%)
- 3045 days: 4.75% (5.25%)
- 4660 days: 5.00% (5.50%)
- 6189 days: 5.25% (5.75%)
- 90 days 6 months: 5.75% (6.25%)
- 6 months 9 months: 5.90% (6.40%)
- 9 months 1 year: 6.00% (6.50%)
- 1 year <18 months: 6.15% (6.65%)
- 18 months 21 months: 6.15% (6.65%)
- 21 months 2 years: 6.15% (6.65%)
- 2 3 years: 6.25% (6.75%)
- 3 5 years: 6.35% (6.85%)
- 5 10 years: 6.15% (6.65%)
Why Recent Changes?
HDFC Bank recently cut its FD interest rates by up to 25 basis points across multiple tenures under â¹3 crore, effective June 10 and again on June 25. This followed a 50 bps repo rate cut by the RBI, prompting the bank to revise both deposit and lending rates.
Comparison with Other Sources
Thirdparty financial trackers confirm that HDFC Bank’s FD rates range between 2.75%6.60% for the public and 3.25%7.10% for senior citizens. Some platforms highlight short-term peaks near 7.00% for certain tenures. However, exclusive highlights such as 7.05%7.55% on 1518 month or 2730 month tenures appear on some independent sites, though official bank data confirms 6.60%6.85% for the 1821 month slot.
Senior Citizen Advantage
Senior residents get an extra 0.50% on all tenures, boosting rates up to 7.10% currently.
Features of HDFC Fixed Deposits
- Minimum deposit: â¹5,000; no upper limit
- Flexible tenors: 7 days to 10 years
- Choice of payout: cumulative or periodic (monthly/quarterly)
- Loan facility available against FD
- Online booking via net-banking or mobile app
- Automatic sweep-in facility to enhance returns
How to Choose the Right Tenure
Select tenure based on:
- Financial goal timeline: short, medium, or long term
- Need for liquidity (shorttenor FDs are better)
- Interest rate benefit: medium-term FDs (1521 months) offer highest returns
- Tax implications and senior citizen benefits
Cumulative plans reinvest interest for higher maturity value; periodic payouts offer steady income.
Impact of Rate Cuts
Rate reductions make returns slightly lower, but HDFC’s rates remain competitive in India’s private banking sector. For example, the 1821 month tenor still leads with 6.60%, and senior citizens benefit with 7.10%.
HDFC Bank’s fixed deposit offerings provide a blend of flexibility, reliability, and decent returns. While recent RBIdriven rate cuts have slightly lowered returns, especially in the 1518 month range, the bank continues to offer an attractive peak rate on mediumterm deposits. Senior citizens benefit from an added 0.50%, making these FDs a strong choice for conservative investors seeking liquidity and stable growth. Whether setting aside funds for 18 months or ten years, HDFC’s current rate structure suits various financial goals.
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