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As of 6 July 2026, HDFC Bank offers Fixed Deposit (FD) interest rates ranging from 2.75% to 6.50% per annum for the general public and 3.25% to 7.00% per annum for senior citizens on deposits below ₹3 Crore. The highest return of 6.50% is applicable on tenures between 39 to 54 months.
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HDFC Bank FD Interest Rates – July 2026
As per the current interest rate structure provided by HDFC Bank, residents will be getting an FD interest rate between 2.75% per annum and 6.50% per annum, whereas senior citizens will be able to avail themselves of an extra interest advantage for all maturities except for certain tenors, wherein the interest rate will go up to 7.00% per annum. The maximum interest rate that is being offered for ordinary customers is for a deposit tenor of 3 years 1 day to below 4 years 7 months.
Some key FD rates for deposits below ₹3 crore are:
| Tenure Bucket | < 3 Crore | |
|---|---|---|
| Interest Rate (per annum) | **Senior Citizen Rates (per annum) | |
| 7 – 14 days | 2.75% | 3.25% |
| 15-29 days | 2.75% | 3.25% |
| 30-45 days | 3.25% | 3.75% |
| 46-60 days | 4.25% | 4.75% |
| 61-89 days | 4.25% | 4.75% |
| 90 days <= 6 months | 4.25% | 4.75% |
| 6 months 1 day <=9 months | 5.50% | 6.00% |
| 9 months 1 day to < 1 Year | 5.75% | 6.25% |
| 1 Year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.35% | 6.85% |
| 18 months to < 21 months | 6.45% | 6.95% |
| 21 months to 2 years | 6.45% | 6.95% |
| 2 Years 1 day to < 2 Year 11 Months | 6.45% | 6.95% |
| 2 Years 11 Months (35 months) | 6.45% | 6.95% |
| 2 Years 11 Months 1 day <= 3 Year | 6.45% | 6.95% |
| 3 Years 1 day to < 4 Years 7 Months | 6.50% | 7.00% |
| 4 Year 7 Months (55 months) | 6.40% | 6.90% |
| 4 Year 7 Months 1 day <=5 Years | 6.40% | 6.90% |
| 5 Years 1 day to 10 Years | 6.15% | 6.65% |
Rates are subject to change and may vary based on deposit category and customer type.
Latest Fixed Deposits Update:
- HDFC Bank Fixed Deposits (FDs) and Interest Rates for July 2026
- Income Tax-Saving Fixed Deposit (FDs): Interest Rates, Maturity Period, and Other Key Details
- SBI FD Interest Rates 2026: Latest Rates, Features, and Things Investors Should Know
Key Domestic FD rates for general customers:
- 7 – 45 Days: 2.75% to 3.25%
- 46 Days – 6 Months: 4.25%
- 6 Months – 1 Year: 5.50% to 5.75%
- 1 Year – less than 15 Months: 6.25%
- 15 Months – 3 Years: 6.35% to 6.45%
- 3 Years 1 day – less than 4 years 7 months: 6.50%
- 4 years 7 months – 10 Years: 6.15% to 6.40% [1, 2, 3]
Special Rates & Terms:
- Senior Citizens: Get an additional 0.50% p.a. over the regular rates (making the highest senior rate 7.00% p.a.).
- Tax Saver FDs: The 5-year lock-in tax-saving FD offers 6.40% p.a. for general and 6.90% p.a. for senior citizens.
- For a granular breakdown by exact day counts or to compare different maturity periods, visit the official HDFC Bank FD Interest Rates page
Important Details & Considerations
- Senior Citizens: Senior citizens are eligible for an additional interest rate of 0.50% p.a. over and above the regular rates (making the highest senior citizen rate 7.00% p.a.).
- Tax Saving FDs: For a 5-year lock-in tax saver FD, HDFC offers 6.40% to the general public and 6.90% to senior citizens.
- Premature Withdrawal: If you withdraw before maturity, the interest rate will be calculated at the rate applicable for the period the deposit actually remained with the bank, minus a penalty of 1% (applied on the applicable rate).
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Disclaimer:
Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and/or default in payment. Read all the offer-related documents carefully. This blog/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of/on GoldenPi or any product/services of its third-party client(s). For a detailed calculation of YTM, visit our website. T&C’s Apply.
