Money won’t grow in your mattress.
It will grow in a Fixed Deposit!
Money won’t grow in your mattress.
It will grow in a Fixed Deposit!
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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
    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
    7.49% - 8.19% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.5% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    HDFC FD Interest Rates is Rated as "Excellent!" by 321 Users
    Fixed Deposit BYTES FROM OUR KITCHEN

    HDFC FD Interest Rates

    HDFC Bank offers a wide range fixed deposit (FD) options with competitive interest rates and flexible tenure options. Customers can easily book a HDFC FD online at the click of a button. The bank also provides higher interest rates on FDs for senior citizens and they also offer sweep-in facility on their deposits. They offer short-term, medium-term and long-term deposits. The term deposit options offered by HDFC Bank are Regular Fixed Deposits, 5-Year Tax Saving Fixed Deposits, Super Saver FD, Sweep-in Facility FD, etc. Apart from other benefits and features, the bank also provides nomination facility for FDs and customers can choose a nominee online without any hassle.

    The highest rate of interest offered by HDFC Bank at present is 6.75% for a tenure that ranges between 1 year to 1 year and 3 days. The highest rate of interest offered to senior citizens is 7.25% and the tenure range is 1 year to 1 year and 3 days. The bank provides various interest payout options and one can go for cumulative or non-cumulative deposits. Non-cumulative FDs pay depositors at regular intervals, be it quarterly, monthly or half-yearly, depending on what the customer prefers.

    The updated list of HDFC FD rates, per specific tenures, is listed below:

    Tenure Regular FD Interest Rates Senior Citizen FD Interest Rates
    7 days to 14 days 3.50% 4.00%
    15 days to 29 days 4.25% 4.75%
    30 days to 45 days 5.50% 6.00%
    46 days to 6 months 5.75% 6.25%
    6 months 1 day to 9 months 15 days 6.00% 6.50%
    9 months 16 days to 364 days 6.25% 6.75%
    1 year to 1 year 3 days 6.75% 7.25%
    1 year 4 days to 2 years 6.25% 6.75%
    2 years 1 days to 10 years 6.00% 6.50%

    *Above Interest rates are as of 27 Oct 2017. Please note that interest rates are subject to change at the discretion of the bank.

    HDFC Bank Short Term Fixed Deposits

    The short-term FDs offered by HDFC is an ideal investment option for those who want to earn quick returns in a short span of time. The tenure options for short-term FDs range from 7 days to 6 months. The minimum tenure range is 7 to 14 days and the interest paid for this period is 3.50%. The highest interest rate paid for short-term FDs is 5.75% for a tenure range of 46 days to 6 months. The interest range in this slab ranges from 3.50% to 5.75%.

    HDFC Bank Medium-Term Fixed Deposits

    HDFC offers various medium-term deposits for an investor who is looking to keep money locked for a while and make good returns on investments. The interest rate offered in this slab ranges from 6.00% to 6.75% and the tenure extends from 6 months 1 day to 9 months 15 days to 1 year 4 days to 2 years. The highest rate of interest offered is 6.75% for deposits held for 1 year to 1 year 3 days.

    Long-Term Fixed Deposits

    Long-term fixed deposits are designed for those who do not mind putting away their money for a certain longer period of time. The minimum tenure for a long-term FD is 2 years, while the maximum tenure is 10 years. The interest offered for long-term deposits is 6.00%. Those looking for tax benefits can also opt for a tax saver FD but it comes with a lock-in period of at least 5 years.

    HDFC Bank Senior Citizen FD Rates

    HDFC Bank offers a higher rate of interest for senior citizens when compared to other individuals. Those who are above 60, will be eligible to avail additional interest rate benefit upon submitting relevant age-proof documents. The interest range offered for senior citizens ranges from 4.00% to 7.25%.

    There are various options available for senior citizens including short-term deposits, medium-term deposits, long-term deposits and tax saver deposits. Senior citizens can also go for sweep-in deposits or Super Saver deposits.

    The highest rate of interest offered is 7.25% for deposits held for a tenure ranging from 1 year to 1 year 3 days.

    Minimum and Maximum HDFC Bank fd interest rates 2018 for Regular and Senior Citizen
    HDFC Bank FD Rates

    Types of FDs offered by HDFC Bank

    • Regular Fixed Deposit
    • Sweep-in Fixed Deposit
    • Overdraft FD or Super Saver FD
    • 5 Year tax saver FD

    Regular Fixed Deposits: Regular fixed deposits are easy investment options that come in flexible tenure ranges. The interest rates offered on these types of deposits are competitive and senior citizens are eligible for a higher rate of interest. Customers can book these deposits online. For interest rates, refer to the table above.

    Sweep-in Fixed Deposits: This is a type of FD where if in case there is a need for money, the same will be transferred from the FD to the savings or current account of the customer. The main advantage of this type of FD is that the customer can continue to earn a higher rate of interest on money until it is swept in. On the other hand, interest will still be paid on the remaining amount after the money has been swept in. This type of term deposit can be opened online at the click of a button and it is possible to link multiple deposit accounts to one savings account without any hassle.

    Overdraft FD or Super Saver FD: This is a type of term deposit investment that gives the investor the opportunity to avail a loan or an overdraft facility at any point of time to meet personal financial needs. The overdraft option will be made available to the customer through the savings or current bank account. The customer is eligible to take up to 90% of the deposit amount as a loan. Interest will be charged only on the amount that is taken on loan and the remaining amount will continue to earn interest.

    5-year Tax Saving Fixed Deposit: This is a type of FD that gives investors tax benefit under Section 80C of the Income Tax Act. The minimum amount that can be invested in this type of term deposit is Rs.100 while the maximum is Rs.1.5 lakhs. This, however, comes with a lock-in period of 5 years and hence there is no option of premature withdrawal. The are different payout options available are monthly and quarterly for 5-Year Tax Saving Fixed Deposits.

    How to Calculate FD Interest Rate in HDFC Bank

    One among the leading banks in India, HDFC has a nationwide network and offers customers an extensive range of choices when it comes to FDs. The rate of interest on term deposits ranges anywhere from 3.5% to 6.75% for all individuals and 4% to 7.25% for senior citizens. This rate is applicable for all investments less than Rs.1 crore. The interest rate offered by the bank depends on various factors and are also subject to change at regular intervals. Calculating the maturity amount is a simple process and can be done online with the help of the HDFC fixed deposit rate calculator.

    The total amount earned at the time of maturity, including total interest earned, can be computed by entering certain details such as principal amount invested, tenure and interest rate. Let us understand more about this by taking a look at the factors that affect the total maturity value of your fixed deposit.

    Factors influencing the maturity amount:

    • The principal amount invested
    • Interest rate offered
    • Term of deposit
    • The compounding interest frequency
    • Tax deduction

    HDFC FD Calculator

    In this section, we will better understand how the maturity amount on an HDFC FD is calculated. Let’s say, you make a principal investment of Rs.1 lakh at an interest rate of 7.25% for 1 year, the total amount payable including interest at the time of maturity will add up to around Rs. 1,07,250. This will be the case if the interest is calculated on a year-on-year basis. The total interest earned on the investment will be Rs.7,250. The interest earned will vary if the interest is computed on a quarterly or monthly basis.

    The maturity amount is calculated by multiplying the rate of interest with the principal invested. The time period of the investment is also taken into consideration. This computation method will give you the total earnings on the investment in terms of interest earned and the maturity amount.

    HDFC Bank pays interest on a regular basis on all non-cumulative deposits. When it comes to cumulative deposits, the interest is paid along with the interest earned at the time of maturity. Interest will be paid on a monthly, quarterly or half-yearly basis on all non-cumulative deposits depending on the type of scheme purchased and the mode of interest payment preferred by the customer.

    * Interest rates may vary and can be changed, depending on the discretion of the bank. All interest rates will differ for senior citizens.

    Know More About HDFC Fixed Deposit

    Avail loans

    Customers can easily meet their financial obligations at the time of a financial crisis by taking a loan against a HDFC Fixed Deposit (FD). The loan and overdraft facility will be available to all HDFC bank customers. Those eligible for the service can hold domestic, FCNR, NRE and NRO FD accounts with the bank. Another facility provided by the bank is the option to make premature withdrawals at any point in time.

    A customer can take a loan for up to 90% of the total term deposit amount. This is one of the privileges that HDFC bank customers will be able to enjoy. Another benefit that HDFC Bank provides is online facility. All loans can be applied for online at the click of a button and will also be processed at a much faster pace.

    HDFC NRI FD interest rates

    Customers can avail competitive interest rates on all Non-Resident Indian (NRI) Fixed Deposit (FD) accounts such as NRE, NRO, and FCNR FDs. These offers are especially targeting and designed for NRIs, who would want to park their money in India and earn a certain percentage of interest in the home country.

    These type of deposits come with various advantageous features and a wide range of benefits such as high-interest rates, overdraft facility of up to 90%, full repatriability and tax benefits. The interest rates offered on HDFC NRO and NRE fixed deposits range from 6% to 6.9%. The bank also offers attractive rates of interest on FCNR term deposits that can be held in various denominations such as Japanese Yen, US Dollars, Euro, Pounds Sterling, Canadian Dollars and Australian Dollars.

    Multiple FDs

    There are many benefits of maintaining multiple Fixed Deposits (FDs) and many investors are taking this path, instead of putting all their money in one deposit.

    One of the main advantages of maintaining various FD accounts is the tax advantage it offers. It is possible to avoid Tax Deducted at Source (TDS) if an investor splits his/her term deposit across multiple banks. Also, if you have multiple FDs it will help at the time of an emergency. This also helps the investor maintain and manage interest income and ladder up deposits that do not offer good rates of interest.

    Know how to Link Your KYC Dcuments to HDFC Bank Account

    HDFC Bank Fixed Deposit Reviews

    • HDFC Bank Fixed Deposit
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a fixed deposit with Hdfc,the service was good. I use Hdfc fixed deposit online application which was easy to use still I use to visit their branch directly to deposit it has been 20 years I have taken the fixed deposit with Hdfc it was a fine experience with Hdfc fixed deposit service.
      Was this review helpful? 4
      , mumbai
      Reviewed on Dec 26, 2017
    • HDFC Bank Fixed Deposit
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I am having the fixed deposit account with the HDFC bank and the online banking services are good one too. I am happy with the HDFC bank till now. Online banking services are really good one with the HDFC bank.
      Was this review helpful? 9
      , bangalore
      Reviewed on Dec 07, 2017
    • HDFC Bank Fixed Deposit
      "FD is pretty good"
      0.5 5.0/5 "Blown Away!"
      The return in this Bank's Fixed Deposite is pretty good. I believe their customer service is good. The good thing about this account is that I can take the money even during pre-mature stage. It's one of the good investment that I have made recently.
      Was this review helpful? 4
      , new delhi
      Reviewed on Dec 01, 2017
    • HDFC Bank Fixed Deposit
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the fixed deposit account with the HDFC bank and the online banking services are very much convenient. I would like to say that the response is really good one for me with them. Everything is fine one with the HDFC bank
      Was this review helpful? 4
      , ghaziabad
      Reviewed on Nov 29, 2017
    • HDFC Bank Fixed Deposit
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been banking with Hdfc bank since 2016,they give the best service to the customers.I am using net banking and Mobile App us very comfortable to use.I maintain a minimum balance of 40,000,they give the Best rate of interest.Hdfc products are always best.
      Was this review helpful? 5
      , mumbai
      Reviewed on Nov 28, 2017
    • HDFC Bank Fixed Deposit
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the fixed deposit account with he HDFC bank and the response is good and I used to get the reminder on every month of time. Everything is fine one with hem. I am happy with the HDFC bank and I really dont have any issues on it.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Nov 28, 2017
    • HDFC Bank Fixed Deposit
      "Good"
      0.5 4.0/5 "Great!"
      I am having the fixed deposit account with the HDFC bank and am holding it from the last five years of time. I would like to say that the rate of interest was reduced around up to 7.5% as cumulative one, which is an average one.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Nov 14, 2017
    • HDFC Bank Fixed Deposit
      "Fixed deposit"
      0.5 5.0/5 "Blown Away!"
      HDFC Fixed Deposit is good, as every one can invest in FD the interest rate at that time was 6.5% for a short tenure. I am pretty sure for the long tenure they will provide tax benefits. I had placed a request for this FD through online through my account i can view my maturity information online. I remember placing a request for change of nominee online once.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 10, 2017
    • HDFC Bank Fixed Deposit
      "Smart Investment"
      0.5 5.0/5 "Blown Away!"
      I am holding it for shorterm period its good. I have activated the amount through FD I almost invested close to 1 lakh, they giving the interest around 6.5%. It has tenure of one year. Its a liquidity any term, I could withdraw it from 7 days to 365 days.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • HDFC Bank Fixed Deposit
      "FD account"
      0.5 5.0/5 "Blown Away!"
      HDFC FD is really good, I have got a competitive interest rate also everything is prefect here. I am not getting tax benefit, but I am holding this FD for a period of 2 to 3 months. No compliments were offered. I had placed a request for the FD online and the interest rate is 6.75%.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 29, 2017
    • HDFC Bank Fixed Deposit
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I have taken Fixed deposit from HDFC, I have invested Rs. 10 Lakhs for the tenure of one year, I went to the branch and opened the FD account, my relationship manager helped to open it within two days of time. They are providing 7.5% of interest of one year but I could withdrawal it anytime but some charges applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • HDFC Bank Fixed Deposit
      "Good for deposits "
      0.5 5.0/5 "Blown Away!"
      We can save and have fixed deposit with less rate of interest in HDFC bank they give benifiatials based on the amount that we deposit .We can with draw and the interest will be added with the minimal balance .I have been using this bank services for a longer time its good i with draw when i need with out any hassle .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 16, 2017
    • HDFC Bank Fixed Deposit
      "Banking is good"
      0.5 4.5/5 "Excellent!"
      Very easy to bank with HDFC bank as I hold my salary account with them and I know how the bank functions. The bank executives treat you well. One can place the request for liquidation online and it hardly takes about 2 to 3 days of time for the liquidation.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 12, 2017
    • HDFC Bank Fixed Deposit
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the fixed deposit account with the HDFC bank for the last one year of time.Rate of interest is lesser one, also the customer service is very good. Response is very fine one for me like it took only half an hour of time to open the account.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 26, 2017
    • HDFC Bank Fixed Deposit
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have opened a Fixed deposit account with 50lakhs from HDFC bank. The customer service is not up to the mark. There was no personalize service is available with HDFC bank.The customer service need to be customer centric in future. The rate of interest is nominal with Hdfc bank. I would like to suggest HDFC bank to focus on their service.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 11, 2017
    • HDFC Bank Fixed Deposit
      "Good return"
      0.5 4.0/5 "Great!"
      I had fixed deposit with HDFC, I got the additional benefits I could withdraw the amount without any charges, I have invested the amount of Rs.3 lakhs for the tenure of 2.5 years. I closed the FD within one and half y ear, they gave me special interest rate around 8% .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 03, 2017
    • HDFC Bank Fixed Deposit
      "If you have it, use it"
      0.5 3.0/5 "Satisfactory"
      I am having fixed deposit account with the HDFC bank and am using it from the last one year of time. Service aspects are really alright one with them. Rate of interest is fine one for me till now. Minimum lock in period could be around three months of time and I used to do it through online mode.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 03, 2017
    • HDFC Bank Fixed Deposit
      "Go ahead with your choice"
      0.5 4.0/5 "Great!"
      I have the fixed deposit account with the HDFC bank and I been with them from the last three to four years of time. The rate of interest was reduced as of now but I have got it as fixed. Customer service and other things are really okay and I have not interacted with them.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 06, 2017
    • HDFC Bank Fixed Deposit
      "Best"
      0.5 4.0/5 "Great!"
      I do have fixed deposit account with the HDFC bank and the interest rate is common one with every bank like it used to get varied up to 0.5% . Penalty charges are nil with them for the premature withdraw, which is the really good one.
      Was this review helpful? 5
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Fixed Deposit
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the fixed deposit account with the HDFC bank and the services are always an excellent one. I have opened the account on immediate basis like everything used to get happened in instant way. Rate of interest is around 6.5% and the response is an excellent one.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 09, 2017
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