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HDFC Bank Fixed Deposit (FD) Interest Rates
Features of HDFC Bank FD
Interest rates (p.a)3.00% - 7.75%
Minimum deposit ₹5,000
Maximum deposit ₹1 Cr
Lock-in 
12 months
12 months
Tenure 1 yr - 10 yrs
Senior citizen 
Extra 0.5% p.a.
Extra 0.5% p.a.
FD Calculator
Deposit Amount
Min. ₹5,000, Max. ₹1 Cr
Interest Payout
Deposit Tenure
Min. 1 yr, Max. 10 yrs
Monthly Income
Min. ₹5,000, Max. ₹5,000
Interest Payout
Deposit Tenure
Min. 1 yr, Max. 10 yrs
You need to invest in total
₹26,662 
in HDFC Bank@ 5.39%
HDFC Bank FD Interest Rate 2023
| Tenure | General Public FD Rate | Senior Citizens FD Rate |
|---|---|---|
| 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 days <= 9 months | 5.75% | 6.25% |
| 9 months 1 day to < 1 year | 6.00% | 6.50% |
| 1 year to < 15 months | 6.60% | 7.10% |
| 15 months to < 18 months | 7.10% | 7.60% |
| 18 months to < 21 months | 7.00% | 7.50% |
| 21 months - 2 years | 7.00% | 7.50% |
| 2 years 1 day to < 2 Years 11 Months | 7.00% | 7.50% |
| 2 Years 11 Months - 35 Months | 7.20% | 7.70% |
| 2 Years 11 Months 1 day < = 3 Year | 7.00% | 7.50% |
| 3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
| 4 Years 7 Months - 55 months | 7.25% | 7.75% |
| 4 Years 7 Months 1 day < = 5 Years | 7.00% | 7.50% |
| 5 Years 1 day - 10 Years | 7.00% | 7.75%* |
*Senior Citizen Care FD (w.e.f 18th May'20)
Fixed Deposit Interest Rates Comparison 2023
| Name | Interest rate (p.a.) | Tenure | Min. deposit | |
|---|---|---|---|---|
 Bajaj Finance Ltd. |
7.11% - 8.60% |
1 - 5yrs
|
₹50,000 |
Deposit Now |
 SBI Bank |
3.00% - 7.60% |
1 - 10yrs
|
₹1,000 |
View details |
 ICICI Bank |
3.00% - 7.60% |
1 - 10yrs
|
₹10,000 |
View details |
 Axis Bank |
3.50% - 7.95% |
1 - 10yrs
|
₹5,000 |
View details |
| HDFC Bank |
3.00% - 7.75% |
1 - 10yrs
|
₹5,000 |
View details |
 Bank of Baroda |
3.00% - 7.75% |
1 - 10yrs
|
₹1,000 |
View details |
 IDFC Bank |
3.50% - 8.00% |
1 - 10yrs
|
₹10,000 |
View details |
 Kotak Mahindra Bank |
2.75% - 7.70% |
1 - 10yrs
|
₹5,000 |
View details |
 Canara Bank |
4.00% - 7.75% |
1 - 10yrs
|
₹1,000 |
View details |
 Yes Bank |
3.25% - 8.25% |
1 - 10yrs
|
₹10,000 |
View details |
 IndusInd Bank |
3.50% - 8.25% |
1yr - 5yrs 1m
|
₹10,000 |
View details |
 Punjab National Bank |
3.50% - 7.75% |
1 - 10yrs
|
₹1,000 |
View details |
 IDBI Bank |
3.00% - 7.30% |
1 - 20yrs
|
₹10,000 |
View details |
 Union Bank |
3.00% - 7.75% |
1 - 10yrs
|
₹1,000 |
View details |
 Citibank |
3.50% - 7.95% |
1 - 5yrs
|
₹1,000 |
View details |
 RBL Bank |
3.50% - 8.30% |
1 - 10yrs
|
₹1,000 |
View details |
 Indian Bank |
2.80% - 7.20% |
1 - 10yrs
|
₹1,000 |
View details |
About HDFC Bank
HDFC Bank is the largest private bank in India. It was among the first to receive an approval from the Reserve Bank of India (RBI) to set up a private sector bank back in 1994. It offers a vast range of financial products and services including savings accounts, fixed deposits, loans, as well as debit and credit card services. Currently, HDFC bank has a wide banking network with 5,345 branches and 14,533 ATMs spread over 2,787 towns and cities in the country.
Benefits of HDFC Bank Fixed Deposit
Frequently asked questions
No. Once you have opened an FD, you cannot change the maturity period. You can only select the FD tenure before you begin the investment. But if you wish to have a different tenure, you can consider opening a new FD with HDFC bank with the desired timeframe.
The following individuals and groups can invest in HDFC FDs:
- Indian depositors (including NRIs)
- Hindu Undivided Family (HUF) members
- Sole proprietorship enterprise
- Trusts
- Limited companies and partnership firms
For regular depositors (those who are not senior citizens), the highest interest rate offered is 5.50% per annum. In case of senior citizens, the highest interest rate is 6.25% per annum.
Senior citizens benefit from an additional 0.50% interest rate on fixed deposits. Any depositor over the age of 60 can avail this benefit. For that, you need to show documents that prove your age to benefit from the higher interest rate.
The highest rate of interest offered on HDFC FDs is 5.50%. This rate is currently applicable on FDs with tenures from 3-5 years and 5-10 years. In case of senior citizens, the highest rate applicable is 6.25%. This rate is applicable for FDs with 5-10 year tenure.
You can start an FD with HDFC bank with just Rs. 5,000.
There are no upper limits on how much you can deposit in your HDFC fixed deposit.
There are no upper limits on how much you can deposit in your HDFC fixed deposit.
Yes. You can instantly avail an overdraft of up to 90% on your FD. But for that, you need to have a minimum deposit of Rs. 25,000 for a minimum tenure greater than six months.
Interest payout
Interest payout
You need to invest in total
₹26,662
in HDFC Bank
@ 5.39% p.a.
ET Money does not offer investment options with HDFC Bank fixed deposit,