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  • HDFC FD Interest Rates, July 2019

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  • Fixed Deposits (FDs) or Term Deposits are a key investment product offered by HDFC Bank. Current fixed deposit interest rate in HDFC Bank is 7.40% p.a for the general public and 7.90% p.a for senior citizens. The HDFC Bank FD interest rates lie within the range of 3.50% p.a to 7.40% p.a

    The table below shows updated HDFC Bank FD rates* for deposits below Rs.2 crore applicable for regular and senior citizens as of 8 May 2019

    Tenure Regular FD rates (per annum) Senior citizen FD rates (per annum)
    7 days to 14 days 3.50% 4%
    15 days to 29 days 4.25% 4.75%
    30 days to 45 days 5.75% 6.25%
    46 days to 6 months 6.25% 6.75%
    6 months 1 day to 9 months 6.75% 7.25%
    9 months 1 day to less than 12 months 7.10% 7.60%
    12 months to 24 Months 7.30% 7.80%
    24 months 1 day to 36 months 7.40% 7.90%
    36 months 1 day to 60 months 7.25% 7.75%
    60 months 1 day to 84 months 6.50% 7%
    84 months 1 day to 120 months 6.50% 7%

    *The HDFC Bank Fixed Deposit rates tend to vary at the discretion of the bank.

    More
    HDFC Bank Fixed Deposit
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 10 Years
    3.5% - 7.25% Quarterly compounding
    Features
    Highlights
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6% - 6.95% Quarterly compounding
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.72% - 8.65% Monthly compounding
    Features
    Highlights
    Documents
    Good to Know
    HDFC fd interest rates 2019 for Regular and Senior Citizen
    HDFC Bank FD Rates

    HDFC Bank Fixed Deposit Interest rates

    The FD rates associated with short-term HDFC Bank fixed deposits with tenures ranging from 7 days to less than 1 year lies between 3.50%. and 7.10% per annum The highest interest rate offered by the bank is 7.10 percent per annum. on tenures ranging from 9 months 17 days to less than 1 year.

    The rate of interest applicable on medium-term HDFC Bank deposits i.e. tenures ranging from 1 year to 5 years ranges from 7.30% to 7.25% per annum. The highest FD rate offered on these deposits is 7.40 percent per annum. which is offered on tenures starting from 2 years 1 day to 3 years.

    The rates applicable on long-term HDFC Bank deposits, i.e. tenures more than 5 years 1 day stands at 6.50% p.a.

    The FD rates applicable for senior citizens on HDFC Bank deposits is set 0.50% more than the regular FD rates. While the highest rate on short-term fixed deposits lies at 7.60 percent per annum, the highest rates offered on medium-term and long-term fixed deposits is 7.90% p.a. and 7.00% p.a. respectively.

    Know more: Best FD Interest Rates in India 2019

    Fixed Deposit Rates In HDFC For Rs.2 crore to Rs.5 crore

    Maturity bucket Interest rates for general public (p.a.) Interest rates for senior citizens (p.a.)
    7 days to 29 days 4.25% 4.75%
    30 days to 45 days 6% 6.50%
    46 days to 90 days 6.25% 6.75%
    91 days to 6 months 6.50% 7%
    6 months 1 day to 9 months 6.85% 7.35%
    9 months 1 day to 12 months 7.10% 7.60%
    12 months to 36 months 7.30% 7.80%
    36 months 1 day to 60 months 7.10% 7.60%
    60 months 1 day to 84 months 6.75% 7.25%
    84 months 1 day to 120 months 6.75% 7.25%

    *The HDFC Bank Fixed Deposit rates tend to vary at the discretion of the bank. The interest rates are valid as of 8 May 2019.

    HDFC FD Interest Rates For Deposits In Excess Of Rs.5 crore

    FD Rates in HDFC Bank for Deposits in the range of Rs.5 crore to less than Rs.24.75 crore

    Maturity bucket Rs.5 crore to less than Rs.5.25 crore More than Rs.5.25 crore to less than Rs.5.50 crore More than Rs.5.50 crore to less than Rs.24.75 crore

    7 days to 29 days

    4.25% p.a.

    4.25% p.a.

    4.25% p.a.

    30 days to 45 days

    6% p.a.

    5.50% p.a.

    6% p.a.

    46 days to 90 days

    6.25% p.a.

    5.75% p.a.

    6.25% p.a.

    91 days to 6 months

    6.50% p.a.

    6% p.a.

    6.50% p.a.

    6 months 1 day to 9 months

    6.85% p.a.

    6% p.a.

    6.85% p.a.

    9 months 1 day to 12 months

    7.10% p.a.

    6% p.a.

    7.10% p.a.

    12 months to 36 months

    7.30% p.a.

    6.25% p.a.

    7.30% p.a.

    36 months 1 day to 60 months

    7.10% p.a.

    6.25% p.a.

    7.10% p.a.

    60 months 1 day to 120 months

    6.75% p.a.

    6.25% p.a.

    6.75% p.a.


    Fixed Deposit rates in HDFC Bank for deposits in the range of Rs.24.75 crore to less than Rs.75 crore

    Maturity bucket More than Rs.24.75 crore to less than Rs.25 crore More than Rs.25 crore to less than Rs.50 crore More than Rs.50 crore to less than Rs.75 crore

    7 days to 29 days

    4.25% p.a.

    4.25% p.a.

    4.25% p.a.

    30 days to 45 days

    5.50% p.a.

    6% p.a.

    6% p.a.

    46 days to 90 days

    5.75% p.a.

    6.25% p.a.

    6.25% p.a.

    91 days to 6 months

    6% p.a.

    6.50% p.a.

    6.50% p.a.

    6 months 1 day to 9 months

    6% p.a.

    6.85% p.a.

    6.85% p.a.

    9 months 1 day to 12 months

    6% p.a.

    7.10% p.a.

    7.10% p.a.

    12 months to 36 months

    6.25% p.a.

    7.30% p.a.

    7.30% p.a.

    36 months 1 day to 60 months

    6.25% p.a.

    7.10% p.a.

    7.10% p.a.

    60 months 1 day to 120 months

    6.25% p.a.

    6.75% p.a.

    6.75% p.a.


    FD Interest rates in HDFC Bank for deposits in excess of Rs.75 crore

    Maturity bucket More than Rs.75 crore to less than Rs.100 crore More than Rs.100 crore to less than Rs.150 crore More than Rs.150 crore to less than Rs.200 crore More than Rs.200 crore

    7 days to 29 days

    4.25% p.a.

    4.25% p.a.

    4.25% p.a.

    4.25% p.a.

    30 days to 45 days

    6% p.a.

    6% p.a.

    6% p.a.

    6% p.a.

    46 days to 90 days

    6.25% p.a.

    6.25% p.a.

    6.25% p.a.

    6.25% p.a.

    91 days to 6 months

    6.50% p.a.

    6.50% p.a.

    6.50% p.a.

    6.50% p.a.

    6 months 1 day to 9 months

    6.85% p.a.

    6.85% p.a.

    6.85% p.a.

    6.85% p.a.

    9 months 1 day to 12 months

    7.10% p.a.

    7.10% p.a.

    7.10% p.a.

    7.10% p.a.

    12 months to 36 months

    7.30% p.a.

    7.30% p.a.

    7.30% p.a.

    7.30% p.a.

    36 months 1 day to 60 months

    7.10% p.a.

    7.10% p.a.

    7.10% p.a.

    7.10% p.a.

    60 months 1 day to 120 months

    6.75% p.a.

    6.75% p.a.

    6.75% p.a.

    6.75% p.a.

    *The HDFC Bank Fixed Deposit rates tend to vary at the discretion of the bank. The interest rates are valid as of 2 May 2019.

    HDFC Rates For 5 year Tax Saving FD

    The 5 year Tax Saving FD enables one to get tax benefits as per Section 80C of the Income Tax Act 1961. This scheme comes with a 5 year lock-in period. The deposit limit is Rs.100 to Rs.1.5 lakh.

    The following table shows the interest rates* applicable for Tax Saving FD:

    Tenure General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    5 years 7.25% 7.75%

    *The interest rate are subject to change as per the discretion of the bank. The given rates are valid as of 2 May 2019.

    How is the interest calculated for HDFC Bank FD?

    • In case of tenures below 6 months, the interest is calculated on a quarterly basis.
    • For deposits with tenures of 6 months and above, Simple Interest is calculated.

    FD Calculator By HDFC

    • An HDFC FD calculator helps one estimate the amount of returns that one can get for an FD of a specific tenure.
    • One can check the value of returns based on:
      • The tenure period selected
      • The nature of FD i.e. 'Reinvestment', 'Quarterly Payout', 'Monthly Payout' and 'Short-term'.
      • Date of opening the FD account
      • Rate of interest
      • Amount of money that one wishes to deposit

    FAQs On HDFC FD Schemes

    1. How to open a HDFC Bank FD account?

      One can apply for an FD account either by:

      • Visiting the nearest branch of HDFC Bank.
      • Netbanking
    2. What are the FD rates for senior citizens?

      Senior citizens, persons above 60 years of age, are qualified to get an additional interest rate of 0.50%.

    3. Can I avail for tax exemptions on my FD interest?

      If your net income does not come within the taxable limit, you can seek tax exemption by submitting Form 15G/15H to the bank.

    4. Who is eligible to apply to open a HDFC Bank Regular FD?

      The eligibility criteria for opening a Regular FD account is:

      • Residents of India
      • Member of Hindu Undivided Families (HUF)
      • Firms with sole proprietorship
      • Limited Companies and Trust Accounts
    5. Will interest be deducted on 5-year Tax Saving FD?

      Yes, interest on 5-year Tax Saving FD will be taxed under Tax Deducted at the Source (TDS) as per the Income Tax Act, 1961.

    Know how to Link Your KYC Dcuments to HDFC Bank Account

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    HDFC Bank Fixed Deposit Reviews

    • HDFC Bank Fixed Deposit
      "GOOD"
      0.5 4.0/5 "Great!"
      To open the account with HDFC BANK is good and simple which is easy also quick process. They are providing with the good rate of interest with the bank. The online banking i am using it is simple and easy also it is good to use. The overall service is good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 17, 2019
    • HDFC Bank
      HDFC Bank Fixed Deposit
      "Its satisfactory"
      0.5 4.0/5 "Great!"
      HDFC fixed deposit interest rate is very competitive as like other banks. I have activated the tenure period of one year. The online banking is convenient to manage my all investment, I can access all the information through netbanking without visiting to the bank.
      Was this review helpful? 4
      , bangalore
      Reviewed on Jun 30, 2019
    • HDFC Bank Fixed Deposit
      "Userfriendly Experience"
      0.5 4.0/5 "Great!"
      HDFC Bank FD is providing 7% of interest per annum, I can invest maximum of Rs.1.5 lakhs for under tax coverage. The tenure period get extend automatically after the maturity, for the tax saving FD there is five years of limit . I can deposit and withdraw the liquidity through online.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 29, 2019
    • HDFC Bank Fixed Deposit
      "Good"
      0.5 4.0/5 "Great!"
      I done a Fixed Deposit account with HDFC BANK before 2 years and the rate of interest was good. I have withdrawn the money and its neither loss or nor profit. My money is safer and return is very low. There was no locking period and the executive is supportive.
      Was this review helpful? 4
      , mumbai
      Reviewed on May 30, 2019
    • HDFC Bank Fixed Deposit
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I had fixed deposit in HDFC for the amount of Rs.10,000 then I withdrawn in two months I got some interest. I went to the bank for account opening within few minutes they helped to open the account. There is no charges for pre matured liquidity fund.
      Was this review helpful? 4
      , hyderabad
      Reviewed on May 25, 2019
    • HDFC Bank Fixed Deposit
      "Good Returns from HDFC"
      0.5 4.0/5 "Great!"
      As per the guidance , I taken a Fixed Deposit in HDFC . This is one year plan and worth enough to take this plan in HDFC comparing with the interest rate . I am really happy with the better returns for my FD . I thought of continuing after one year also .
      Was this review helpful? 6
      , hyderabad
      Reviewed on May 13, 2019
    • HDFC Bank Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank Fixed Deposit for the past 6 years ,using net banking is also good ,customer service is good .flexy deposit ,whenever required can take the amount and can deposit it later .There was no issues faced so far .The Banking service is good to me so far.I am satisifed with the banking service.
      Was this review helpful? 5
      , chennai
      Reviewed on May 13, 2019
    • HDFC Bank Fixed Deposit
      "Very much convenient"
      0.5 5.0/5 "Blown Away!"
      My all time favorite is Fixed Deposit which is secured and I can count the returns on evey month which am most comfortable. My family all have them are having in HDFC account, the manager is very friendly and rendering the service. Am doing investment since 2011 and their services are more good than the profit.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 12, 2019
    • HDFC Bank Fixed Deposit
      "Userfriendly FD experience"
      0.5 4.0/5 "Great!"
      I do have fixed deposit with HDFC, I opened it through online there is no locking period, while opening I have specified the maturity date. Minimum deposit start from Rs. 5000, they are providing 7.3% per annum. Its safe and secured to invest money with HDFC.
      Was this review helpful? 3
      , bangalore
      Reviewed on May 03, 2019
    • HDFC Bank Fixed Deposit
      "Flexible Fixed deposit"
      0.5 5.0/5 "Blown Away!"
      HDFC Is more convenient to open and close the FD through online, they give better interest as per the RBI around 6.8%. The online portal is easy to track the fixed deposit details, the help desk is good to handle the queries. I am very much happy with HDFC. I can take the tenure from three months to max tenure.
      Was this review helpful? 1
      , delhi
      Reviewed on Apr 29, 2019
    • HDFC Bank Fixed Deposit
      "Satisfied with the service"
      0.5 5.0/5 "Blown Away!"
      I have a fixed deposit account with HDFC Bank and the banking process is good. I could open this account online and the account has been beneficial too. I earn a good interest. I can also close this account without having to go in person to the bank. It can be done online too.
      Was this review helpful? 2
      , bangalore
      Reviewed on Apr 26, 2019
    • HDFC Bank Fixed Deposit
      "Good Service I am getting"
      0.5 3.5/5 "Pretty good"
      I normal deposit a cash of either 10 or 15 k in my fixed deposit because I don't have much surplus cash . Nowadays just for the name sake depositing my money in FD . Though they provide very less returns but the guarantee of getting the money back is sure .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 23, 2019
    • HDFC Bank Fixed Deposit
      "Excellent services"
      0.5 4.5/5 "Excellent!"
      The best bank for a fixed deposit is HDFC Bank. The customer support is good and they are responsive as well. They offer an interest like other bank on my savings. The best is there is no lock in period so I close this account when ever I want too and I can do it with just a click away online. Where as other banks they would ask me to go to the home branch.
      Was this review helpful? 4
      , new delhi
      Reviewed on Apr 16, 2019
    • HDFC Bank Fixed Deposit
      "Its Good"
      0.5 4.0/5 "Great!"
      I went to the bank for the FD process, the service was good they helped to open the account on the same day. I took the fixed deposit for the period of three years and I deposited Rs. 1 lakh, I would get the amount of Rs. 1.35 lakh. I do have HDFC online access .
      Was this review helpful? 4
      , hyderabad
      Reviewed on Apr 03, 2019
    • HDFC Bank Fixed Deposit
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have a fixed deposit account with HDFC Bank and the banking process is good. I could open this account online and the account has been beneficial too. I earn a good interest. I can also close this account without having to go in person to the bank. It can be done online too.
      Was this review helpful? 4
      , bangalore
      Reviewed on Mar 29, 2019
    • HDFC Bank Fixed Deposit
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had just started this investment couple of months back and the services which they had provided has been good. I had started this investment through one of the brokerage nearby. Their customer support has been helpful and has been guiding me through out and the interest rate which they are offering has also been quite good.
      Was this review helpful? 5
      , new delhi
      Reviewed on Mar 03, 2019
    • HDFC Bank Fixed Deposit
      "Good"
      0.5 4.5/5 "Excellent!"
      I have a fixed deposit with HDFC which was started 2 years back. I have chosen it mainly for the interest rate and also its convenient to open this account online also am a salary account holder. The locking period is 5 years. I never faced issues with the customer service. They need an improvement on interest rate because I think it could be better.
      Was this review helpful? 6
      , bangalore
      Reviewed on Feb 01, 2019
    • HDFC Bank Fixed Deposit
      "Good investment"
      0.5 5.0/5 "Blown Away!"
      I have invested in the fixed deposit for the amount of Rs. 1 lakh for 10 years, the interest rate is around 9% per annum. I went to the bank and opened the FD, there is no charges for pre matured withdrawal. The executive explained each benefits of the FD.
      Was this review helpful? 8
      , bangalore
      Reviewed on Jan 24, 2019
    • HDFC Bank Fixed Deposit
      "Good Investment plan"
      0.5 4.0/5 "Great!"
      I have taken Fixed deposit account from HDFC bank where am getting good benefits from them . There is no charges for the account . Where they are giving good rate of interest i have chosen long term investment plan.Overall am satisfied with the service and response .
      Was this review helpful? 5
      , ahmedabad
      Reviewed on Jan 23, 2019
    • HDFC Bank Fixed Deposit
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      I also have a fixed deposit account with HDFC Bank. The process to open this account is easy. I can do it online. They also offer a good rate of interest on the account. The bank has always been up to the mark to ban with. It is very convenient and easy.
      Was this review helpful? 8
      , noida
      Reviewed on Jan 09, 2019
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