Fixed deposit interest rates of HDFC Bank: Check the latest rates!

The fixed deposit interest rate of HDFC Bank varies depending on your deposit amount and tenure. HDFC is one of India’s leading private sector banks, offering a range of financial products, one of them being fixed deposits. 

At HDFC Bank, you can open an FD account with an amount as low as ₹5,000 up to a maximum amount ₹5 crores with flexible tenure options. While non-senior investors enjoy attractive interest rates, senior citizens get an additional 0.50% interest over regular FD rates. 

Read on to know the latest HDFC FD rate of interest so you can plan your investment today!  

HDFC Bank interest rates for deposits less than ₹2 crores

If you wish to make a deposit of ₹2 crores or less, here are the FD interest rates of HDFC Bank that will apply across various tenures.

Tenure	Regular Citizen FD Interest Rates	Senior Citizen FD Interest Rates
7 to 14 days	3.00% per annum	3.50% per annum
15 to 29 days	3.00% per annum	3.50% per annum
30 to 45 days	3.50% per annum	4.00% per annum
46 to 60 days	4.50% per annum	5.00% per annum
61 to 89 days	4.50% per annum	5.00% per annum
90 days to 6 months	4.50% per annum	5.00% per annum
More than 6 months and less than or equal to 9 months	5.75% per annum	6.25% per annum
More than 9 months and less than 12 months	6.00% per annum	6.50% per annum
More than 12 months and less than 15 months	6.60% per annum	7.10% per annum
More than 15 months and less than 18 months	7.10% per annum	7.60% per annum
More than 18 months and less than 21 months	7.00% per annum	7.50% per annum
Between 21 months and 2 years	7.00% per annum	7.50% per annum
2 years 1 day to less than 2 years 11 months	7.00% per annum	7.50% per annum
2 years 11 months to 35 months	7.20% per annum	7.70% per annum
More than 5 years and less than 10 years	7.00% per annum	7.75% per annum

Disclaimer: These fixed deposit interest rates of HDFC Bank are the latest as of July 2023 and may change at the bank’s discretion. 

Also Read HDFC Balance Check Number

HDFC Bank interest rates for deposits equal to or more than ₹2 crores

Here are the fixed deposit interest rates of HDFC Bank if you plan to book an FD between ₹2 crores and ₹5 crores.

Tenure	Regular Citizen FD Interest Rates	Senior Citizen FD Interest Rates
7 to 14 days	4.75% per annum	5.25% per annum
15 to 29 days	4.75% per annum	5.25% per annum
30 to 45 days	5.50% per annum	6.00% per annum
46 to 60 days	5.75% per annum	6.25% per annum
61 to 89 days	6.00% per annum	6.50% per annum
90 days to 6 months	6.50% per annum	7.00% per annum
More than 6 months and less than or equal to 9 months	6.65% per annum	7.15% per annum
More than 9 months to less than 1 Year	6.75% per annum	7.25% per annum
1 Year to less than 15 months	7.25% per annum	7.75% per annum
15 months to less than 18 months	7.05% per annum	7.55% per annum
18 months to less than 21 months	7.05% per annum	7.55% per annum
21 months to 2 years	7.05% per annum	7.55% per annum
More than 2 years to 3 years	7.00% per annum	7.50% per annum
More than 3 years to 5 years	7.00% per annum	7.50% per annum
More than 5 years to 10 years	7.00% per annum	7.50% per annum

Disclaimer: These rates are current as of July 2023 and may change at the discretion of the bank. So, check the latest rates before you apply and forecast your earnings by using an FD interest calculator. 

Also, keep in mind that the FD interest rates of HDFC Bank change if you plan to invest ₹5 crores or more. In addition, the rates mentioned above pertain to only select categories. Visit the bank’s website for details on other deposit types. 

Eligibility terms to start an HDFC Bank FD

To enjoy these FD interest rates of HDFC Bank, all you need to do is belong to any of the below categories:

• Indian Residents
• Hindu undivided families (HUFs)
• Sole proprietorship firms
• Partnership firms
• Limited companies
• Trust accounts

Documents required to book an HDFC Bank FD 

Applying for an HDFC Bank FD requires you to submit the following documents, depending on whether you are an entity or an individual.

• Latest passport-size photograph
• PAN card
• Aadhaar Card
• Passport
• Driving Licence
• Voter’s ID
• Address proof
• Partnership proofs
• Individual and company proofs

A fixed deposit is a great option to earn secured and guaranteed returns, as it is a non-market linked instrument. While you are allowed to liquidate your FD during emergencies, banks may levy a small penalty for the same. However, if you need immediate funds without utilising your FD funds, applying for personal loan is an ideal choice.

Get an Instant Personal Loan from Fibe at affordable interest rates starting from just 2% per month and manage your financial requirements hassle-free. By registering on our Personal Loan App or website, getting a personal loan of up to ₹5 lakhs takes just 2 minutes! 

FAQs on HDFC FD Interest Rates

What are the interest rates on FDs in HDFC Bank?

The fixed deposit interest rate of HDFC Bank starts from 3% p.a. and goes up to 7.75% p.a., depending on your deposit amount and tenure. 

What are the HDFC FD interest rates in 2023 for senior citizens?

Senior citizens can get FD interest rates starting from 3.50% p.a. at HDFC Bank.

What is the HDFC Fixed Deposit interest rate today?

The current fixed deposit interest rate of HDFC is 7.20% p.a. for regular citizens and 7.75% p.a. for senior citizens.

What are HDFC Fixed Deposit interest rates for a ₹1 lakh investment?

On booking a deposit of ₹1 lakh, you can enjoy FD rates in HFDC Bank ranging between 3% – 7.20% p.a. as a regular investor. The FD rates in HDFC Bank for senior citizens for a ₹1 lakh deposit varies from 3.5% to 7.75% p.a.