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    HDFC FD Interest Rates
     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
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6% - 6.95% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.72% - 8.65% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    HDFC FD Interest Rates is Rated as "Excellent!" by 342 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN

    HDFC Bank officially began its banking operations in 1994. One of the most important investment products offered by the bank is Fixed Deposit (FD). For deposits below Rs.1 crore, HDFC Bank offers interest rates between 3.50% p.a. to 7.25% p.a. The FD rates were last revised by HDFC Bank on 6 October 2018.

    HDFC Bank FD rates: Deposits below Rs.1 crore

    The following table indicates the interest rates* for given deposit limit:

    Tenure General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    7 days to 14 days 3.50 4.00
    15 days to 29 days 4.25 4.75
    30 days to 45 days 5.75 6.25
    46 days to 180 days 6.25 6.75
    181 days to 270 days 6.75 7.25
    271 days to 1 year 7.00 7.50
    1 year 7.25 7.75
    1 year 1 day to 2 years 7.25 7.75
    2 years 1 day to 5 years 7.10 7.60
    5 years 1 day to 10 years 6.00 6.50

    *The interest rate are subject to change as per the discretion of the bank. The given rates are valid as of 6 October 2018.

    HDFC Bank Fd Rates For Deposit Limit: Rs.1 Crore And Above Up To Rs.5 Crore

    The following table shows the FD rates* for the given deposit limit:

    Tenure General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    7 days to 29 days 4.25 4.75
    30 days to 45 days 6.25 6.75
    46 days to 3 months 6.50 7.00
    3 months 1 day to 180 days 6.55 7.05
    181 days to 270 days 7.00 7.50
    271 days to 1 year 7.25 7.75
    1 year 7.45 7.95
    1 year 1 day to 2 years 7.45 7.95
    2 years 1 day to 5 years 7.25 7.75
    5 years 1 day to 10 years 7.00 7.50

    *The interest rate are subject to change as per the discretion of the bank. The given rates are valid as of 6 October 2018.

    HDFC Bank Fd Rates For Deposit Limit: Rs.5 Crore To Less Than Rs.5.25% (With Premature Withdrawal)

    Tenure General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    7 days to 29 days 4.25 N/A
    30 days to 45 days 6.25 N/A
    46 days to 3 months 6.50 N/A
    3 months 1 day to 6 months 6.55 N/A
    6 months to 9 months 7.00 N/A
    9 months 1 day to 12 months 7.25 N/A
    1 year 7.45 N/A
    1 year 1 day to 2 years 7.45 N/A
    2 years 1 day to 5 years 7.25 N/A
    5 years 1 day to 10 years 7.00 N/A

    *The interest rate are subject to change as per the discretion of the bank. The given rates are valid as of 6 October 2018.

    HDFC Bank Fd Rates For Deposit Limit: Rs.5 Crore To Less Than Rs.5.25%(Without Premature Withdrawal)

    Tenure General Public FD interest rate (per annum) Senior citizen FD interest rate (per annum)
    3 months 1 day to 6 months 7.00 N/A
    181 days to 270 days 7.30 N/A
    271 days to 1 year 7.45 N/A
    1 year 7.70 N/A
    1 year 1 day to 2 years 7.70 N/A
    2 years 1 day to 3 years 7.30 N/A
    3 years 1 day to 5 years 7.25 N/A
    5 years 1 day to 10 years 7.25 N/A

    *The interest rate are subject to change as per the discretion of the bank. The given rates are valid as of 6 October 2018.

    HDFC Bank Rates For Short-term Fd (Below Rs.1 Crore)

    • The tenure range for a short-term FD lies between 7 days to less than 1 year.
    • The FD rates range from 3.50% p.a. to 7.00% p.a.
    • The highest rate available for this term is 7.00% p.a. for a tenure between 91 days to less than 12 months.
    Minimum and Maximum HDFC Bank fd interest rates 2019 for Regular and Senior Citizen
HDFC Bank FD Rates

    HDFC Bank Rates For Medium-term Fd (Below Rs.1 Crore)

    • A medium-term FD would range from above 1 year and 5 years.
    • The interest rates vary between 7.10% p.a. to 7.25% p.a.
    • The highest rate offered for this term is 7.25% for an FD within 1 year and 2 years.

    HDFC Bank Rates For Long-term Fd (Below Rs.1 Crore)

    • A long-term FD has a tenure above 5 years.
    • The interest rate for a long-term FD is 6.00% p.a.

    HDFC Bank Fd Rates For Senior Citizens

    • Senior Citizens are qualified to get an interest rate on FD which is 0.50% higher than the regular FD rates.
    • The highest rates available for different tenure periods are:
    • Short-term FD- 7.50% p.a.
    • Medium-term FD-7.75% p.a.
    • Long-term FD- 6.50% p.a.

    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 11 October 2018.

    Types Of Fd Schemes By HDFC

    • Regular FD scheme
    • Sweep-in FD
    • Overdraft FD
    • 5-year Tax Saving FD

    FD Calculator By HDFC

    • An 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

    HDFC Bank Fixed Deposit Reviews

    • 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? 3
      , 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? 5
      , 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? 7
      , noida
      Reviewed on Jan 09, 2019
    • HDFC Bank Fixed Deposit
      "Good service"
      0.5 4.0/5 "Great!"
      I do have a fixed deposit account with HDFC Bank. They are giving good interest. I can manage this account on line. I have chosen HDFC because of bank financial is good. I have just started long time, The process was very quick and it was done through on line.
      Was this review helpful? 6
      , thane
      Reviewed on Jan 02, 2019
    • HDFC Bank Fixed Deposit
      "Convenient FD with HDFC"
      0.5 5.0/5 "Blown Away!"
      In HDFC I can deposit for minimum of Rs. 5000 to max amount. I done the investment of one time payment around Rs.6 lakhs. I can chose the tenure period based on the convenient, it gives the interest of 7% its maximum. I can open and close the account through online.
      Was this review helpful? 6
      , pune
      Reviewed on Dec 17, 2018
    • HDFC Bank Fixed Deposit
      "Good Investment plan"
      0.5 5.0/5 "Blown Away!"
      I have taken the fixed deposit for my wife. I have purchased the plan with HDFC bank. I have chosen in the year of 2012. I have invested the fixed amount of Rs. 17 lakhs. They have offered me a interest rate of nominal amount. The service is HDFC is really good. Every year i have enhancing the interest rate for the fixed deposit.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 30, 2018
    • HDFC Bank Fixed Deposit
      "Good"
      0.5 5.0/5 "Blown Away!"
      I do have a fixed deposit account with HDFC Bank. They are giving good interest. I can manage this account online. I have chosen HDFC because of bank financial is good. I have just started recently and its a one time investment of 3L. The process was very quick and it was done through online.
      Was this review helpful? 2
      , noida
      Reviewed on Nov 27, 2018
    • HDFC Bank Fixed Deposit
      "Save money with very good interest rate"
      0.5 5.0/5 "Blown Away!"
      Currently HDFC is providing 7.5% of interest for FD account, I taken FD for the tenure of three years. I can deposit minimum to maximum amount, the customer service is very helpful related to the FD queries. I am getting message its very simple and beneficial.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 24, 2018
    • 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 can also close this account without having to go in person to the bank. It can be done online too.
      Was this review helpful? 8
      , chennai
      Reviewed on Sep 15, 2018
    • HDFC Bank Fixed Deposit
      "Good service"
      0.5 4.0/5 "Great!"
      I had started making this investment almost a year back. The interest rate with them had changing according to the market rate. The services which they had been providing so far had been very good. Tenure with them also had been good and i make the deposits directly.
      Was this review helpful? 7
      , new delhi
      Reviewed on Jul 26, 2018
    • HDFC Bank Fixed Deposit
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a fixed deposit with the HDFC bank for 1 Lakh, they offered an annual interest rate of 9.5% annual. They also offers special rates for Senior Citizen. Apart from the fixed deposit I hardly use the account. Overall their banking services are good.
      Was this review helpful? 30
      , chennai
      Reviewed on May 17, 2018
    • HDFC Bank Fixed Deposit
      "Good service"
      0.5 4.0/5 "Great!"
      I have a Fixed Deposit with HDFC bank from last 4 years, my experience was good so far and i did not face any issues with this bank. I have deposited a fixed amount of Rs 5-6 lakhs. When it comes to customer service, it is good and they gave all the right information. I get interest of 6% as returns and i am satisfied with it.
      Was this review helpful? 2
      , kolkata
      Reviewed on Mar 29, 2018
    • HDFC Bank Fixed Deposit
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I also bank with HDFC Bank for the fixed deposit. The customer services are good and there are no issues in the process. The lock in period is for a year. The interest rate is good and there are no charges. The experience has been good as I can track all the details on the mobile application.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 24, 2018
    • HDFC Bank Fixed Deposit
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      It was a smooth process to open a fixed deposit at HDFC Bank. There is a lock in period for one year. After which I can close the account. The rate of interest is normal like the other banks. There are no charges taken for this. Good services overall.
      Was this review helpful? 3
      , new delhi
      Reviewed on Feb 19, 2018
    • HDFC Bank Fixed Deposit
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      My fixed deposit account is with HDFC Bank and the rate of interest is of 6.5%. The customer services are good and the response is also satisfactory. They contact me on time when ever there is a query. I been a long time privilege customer and I am happy with the services.
      Was this review helpful? 2
      , mumbai
      Reviewed on Feb 09, 2018
    • HDFC Bank Fixed Deposit
      "Average"
      0.5 3.5/5 "Pretty good"
      I do have Fixed deposit account with the HDFC bank and the interest rate was around 7.5% and the customer service was an average one. I would like to say that the response was okay one for me with the HDFC bank and everything is good one too with them.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 06, 2018
    • HDFC Bank Fixed Deposit
      "Easy to start and renew"
      0.5 4.5/5 "Excellent!"
      I had invested in FD with HDFC through net banking. The benefits what I get here are huge. It hardly takes about 5 minutes to open this deposit. Net banking and mobile app are very easy to use. I can see the FD summary online and also renew it online. Current Rate for 1 year FD is 6.75% per annum.
      Was this review helpful? 3
      , gurgaon
      Reviewed on Jan 28, 2018
    • HDFC Bank Fixed Deposit
      "Very Convenient "
      0.5 5.0/5 "Blown Away!"
      I have opened HDFC fixed deposit before eight months, I have deposited the amount for the period of one year. Then if I want I can renew it through online. They are providing 6.9% of interest for FD account, I could track FD through netbanking and phone banking.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 23, 2018
    • HDFC Bank Fixed Deposit
      "FD with HDFC"
      0.5 4.0/5 "Great!"
      I have opened a fixed deposit account with HDFC bank. They are providing good interest for fixed deposit. The interest rte is 6.75% annually. The duration for my FD is for 12 months. If i withdrew with in the duration then some charges will be applicable which is around 1 to 2% of the principal amount.
      Was this review helpful? 2
      , thane
      Reviewed on Dec 30, 2017
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