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As one of the country’s largest private sector lenders, HDFC Bank offers a wide range of FD schemes tailored to different tenures and deposit amounts, with distinct rate structures for residents and senior citizens. Since interest rates are revised periodically based on RBI policy and market conditions, it’s worth checking the latest numbers before you invest. Here’s a complete breakdown of HDFC Bank’s FD interest rates as of August 4 2026 (unchanged since the last revision on 6 March 2026), along with the factors you should weigh before locking in your money.
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HDFC Bank FD Interest Rates – August 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 | Rates | |
|---|---|---|
| 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% |
Note: Rates are subject to change and may vary based on deposit category and customer type.
Latest Fixed Deposits Update:
- 30 Lakhs Fixed Deposit Interest Per Month: How Much Will You Earn in 2026?
- ₹1 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income
- Bank of Baroda Fixed Deposit Interest Rates July 2026: Rates & Schemes
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).
- 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 — 1% for closures within 5 years, and 1.25% for closures after 5 years (no penalty applies for the shortest tenure bucket of 7–14 days).
What Should Investors Consider
Even though fixed deposits provide assured returns in case the investor holds them till maturity, there are other aspects that need to be taken into consideration by an investor before making any investments. These aspects include the duration of investment, liquidity needs, early withdrawal policy, taxability of interest earned, and relevance to financial goals. After you’ve checked off these boxes, the decision to invest in FDs becomes straightforward.
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.
