HDFC Bank offers fixed deposits across a range of tenures and deposit amounts, with separate interest rates for regular customers and eligible resident senior citizens. Since FD rates can change, the applicable rate should be checked on the date the deposit is booked. Here’s a complete breakdown of HDFC Bank’s FD interest rates as of October 2026 (effective August 19, 2026), along with the factors you should weigh before locking in your money.
HDFC Bank FD Interest Rates: October 2026
As per HDFC Bank’s interest rate structure effective 19 August 2026, regular customers can earn between 2.75% and 6.50% p.a. on domestic deposits below ₹3 crore. Eligible resident senior citizens receive an additional 0.50 percentage points on applicable domestic deposits, taking the maximum rate to 7.10% p.a. The highest regular-customer rate of 6.50% p.a. applies to deposits with a tenure of 3 years 1 day to less than 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% | 7.10% |
| 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:
- HDFC Bank Fixed Deposits (FDs) and Interest Rates for October 2026
- ₹2 Crore FD Interest Per Month in 2026: FD vs Bonds vs Debt Funds
- Premature FD Withdrawal: Penalties, Interest Calculation & Tax Impact
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Special Rates & Terms:
- Senior Citizens: Eligible resident senior citizens receive an additional 0.50 percentage points over the applicable regular rate on eligible domestic fixed deposits. The highest applicable senior-citizen rate is 7.10% p.a.
- Tax Saver FDs: They have a five-year lock-in period. For Tax Year 2026-27, eligible tax-saving deposits can qualify for a deduction of up to ₹1.5 lakh under Section 123 read with Schedule XV of the Income Tax Act, 2025, subject to the applicable conditions and tax regime. The deduction is not available under the new concessional tax regime. 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 applicable for premature withdrawal, including sweep-in/partial withdrawal, will be 1% less (penalty as applicable) than the rate on the date of deposit booking for the period for which the deposit remained with the bank, and not the contracted rate, subject to HDFC Bank’s applicable terms.
- Deposit Insurance: Eligible deposits with insured banks are covered by DICGC up to ₹5 lakh per depositor per bank, including principal and interest, subject to the applicable rules.
What Should Investors Consider
An FD provides a predetermined interest rate for the selected tenure, subject to the applicable terms. However, the interest rate is only one factor to consider before opening a deposit. Tenure, liquidity needs, premature-withdrawal rules, taxation and deposit insurance are also relevant.
The FD tenure should match when you expect to need the money, while the applicable rate and withdrawal terms should be checked before booking the deposit.
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.
