{"id":14623,"date":"2026-07-07T16:02:00","date_gmt":"2026-07-07T10:32:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=14623"},"modified":"2026-07-06T17:26:54","modified_gmt":"2026-07-06T11:56:54","slug":"hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/","title":{"rendered":"HDFC Bank Fixed Deposits (FDs) and Interest Rates for July 2026"},"content":{"rendered":"\n<p>As of 6 July 2026, HDFC Bank offers Fixed Deposit (FD) interest rates ranging from <strong>2.75% to 6.50% per annum<\/strong> for the general public and <strong>3.25% to 7.00% per annum<\/strong> for senior citizens on deposits below \u20b93 Crore. The highest return of 6.50% is applicable on tenures between 39 to 54 months.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#HDFC_Bank_FD_Interest_Rates_%E2%80%93_July_2026\" >HDFC Bank FD Interest Rates \u2013 July 2026&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#Key_Domestic_FD_rates_for_general_customers\" >Key Domestic FD rates for general customers:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#Special_Rates_Terms\" >Special Rates &amp; Terms:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#Important_Details_Considerations\" >Important Details &amp; Considerations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#Ready_to_Invest\" >Ready to Invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#Disclaimer\" >Disclaimer:&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"HDFC_Bank_FD_Interest_Rates_%E2%80%93_July_2026\"><\/span><strong>HDFC Bank FD Interest Rates \u2013 July 2026&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As per the current interest rate structure provided by HDFC Bank, residents will be getting an <a href=\"https:\/\/goldenpi.com\/fixed-deposits\">FD interest rate<\/a> 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.<\/p>\n\n\n\n<p>Some key FD rates for deposits below \u20b93 crore are:<\/p>\n\n\n\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><thead><tr><th>Tenure Bucket<\/th><th colspan=\"2\">&lt; 3 Crore<\/th><\/tr><\/thead><tbody><tr><td>&nbsp;<\/td><td>Interest Rate (per annum)<\/td><td>**Senior Citizen Rates (per annum)<\/td><\/tr><tr><td>7 &#8211; 14 days<\/td><td>2.75%<\/td><td>3.25%<\/td><\/tr><tr><td>15-29 days<\/td><td>2.75%<\/td><td>3.25%<\/td><\/tr><tr><td>30-45 days<\/td><td>3.25%<\/td><td>3.75%<\/td><\/tr><tr><td>46-60 days<\/td><td>4.25%<\/td><td>4.75%<\/td><\/tr><tr><td>61-89 days<\/td><td>4.25%<\/td><td>4.75%<\/td><\/tr><tr><td>90 days &lt;= 6 months<\/td><td>4.25%<\/td><td>4.75%<\/td><\/tr><tr><td>6 months 1 day &lt;=9 months<\/td><td>5.50%<\/td><td>6.00%<\/td><\/tr><tr><td>9 months 1 day to &lt; 1 Year&nbsp;<\/td><td>5.75%<\/td><td>6.25%<\/td><\/tr><tr><td>1 Year to &lt; 15 months<\/td><td>6.25%<\/td><td>6.75%<\/td><\/tr><tr><td>15 months to &lt; 18 months<\/td><td>6.35%<\/td><td>6.85%<\/td><\/tr><tr><td>18 months to &lt; 21 months<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>21 months to 2 years<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>2 Years 1 day to &lt; 2 Year 11 Months<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>2 Years 11 Months (35 months)<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>2 Years 11 Months 1 day &lt;= 3 Year<\/td><td>6.45%<\/td><td>6.95%<\/td><\/tr><tr><td>3 Years 1 day to &lt; 4 Years 7 Months<\/td><td>6.50%<\/td><td>7.00%<\/td><\/tr><tr><td>4 Year 7 Months (55 months)<\/td><td>6.40%<\/td><td>6.90%<\/td><\/tr><tr><td>4 Year 7 Months 1 day &lt;=5 Years<\/td><td>6.40%<\/td><td>6.90%<\/td><\/tr><tr><td>5 Years 1 day to 10 Years<\/td><td>6.15%<\/td><td>6.65%<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Rates are subject to change and may vary based on deposit category and customer type.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposits Update:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/\" aria-label=\"HDFC Bank Fixed Deposits (FDs) and Interest Rates for July 2026\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"HDFC Bank Fixed Deposits FDs\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06170158\/HDFC-Bank-Fixed-Deposits-FDs.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/\">HDFC Bank Fixed Deposits (FDs) and Interest Rates for July 2026<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/income-tax-saving-fixed-deposit-fds\/\" aria-label=\"Income Tax-Saving Fixed Deposit (FDs): Interest Rates, Maturity Period, and Other Key Details\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Income Tax Saving Fixed Deposits FDs\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/06160038\/Income-Tax-Saving-Fixed-Deposits-FDs.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/income-tax-saving-fixed-deposit-fds\/\">Income Tax-Saving Fixed Deposit (FDs): Interest Rates, Maturity Period, and Other Key Details\u00a0<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-fd-interest-rates-june-2026\/\" aria-label=\"SBI FD Interest Rates 2026: Latest Rates, Features, and Things Investors Should Know\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"SBI FD Interest Rates June 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/23163323\/SBI-FD-Interest-Rates-June-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-fd-interest-rates-june-2026\/\">SBI FD Interest Rates 2026: Latest Rates, Features, and Things Investors Should Know\u00a0<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Domestic_FD_rates_for_general_customers\"><\/span>Key Domestic FD rates for general customers:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>7 \u2013 45 Days:<\/strong> 2.75% to 3.25%<\/li>\n\n\n\n<li><strong>46 Days \u2013 6 Months:<\/strong> 4.25%<\/li>\n\n\n\n<li><strong>6 Months \u2013 1 Year:<\/strong> 5.50% to 5.75%<\/li>\n\n\n\n<li><strong>1 Year \u2013 less than 15 Months:<\/strong> 6.25%<\/li>\n\n\n\n<li><strong>15 Months \u2013 3 Years:<\/strong> 6.35% to 6.45%<\/li>\n\n\n\n<li><strong>3 Years 1 day \u2013 less than 4 years 7 months:<\/strong> 6.50%<\/li>\n\n\n\n<li><strong>4 years 7 months \u2013 10 Years:<\/strong> 6.15% to 6.40% [<a rel=\"nofollow\" href=\"https:\/\/www.paisabazaar.com\/fixed-deposit\/hdfc-fd-rates\/\">1<\/a>, <a rel=\"nofollow\" href=\"https:\/\/scripbox.com\/fixed-deposit\/hdfc-bank-fd-interest-rate\">2<\/a>, <a rel=\"nofollow\" href=\"https:\/\/stablemoney.in\/fixed-deposit-interest-rates\/hdfc-bank-fixed-deposit-rates\">3<\/a>]<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Special_Rates_Terms\"><\/span><strong>Special Rates &amp; Terms:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Senior Citizens:<\/strong> Get an additional <strong>0.50% p.a.<\/strong> over the regular rates (making the highest senior rate 7.00% p.a.).<\/li>\n\n\n\n<li><strong>Tax Saver FDs:<\/strong> The 5-year lock-in tax-saving FD offers <strong>6.40% p.a.<\/strong> for general and <strong>6.90% p.a.<\/strong> for senior citizens.<\/li>\n\n\n\n<li>For a granular breakdown by exact day counts or to compare different maturity periods, visit the official <a href=\"https:\/\/www.hdfc.bank.in\/fixed-deposit\/fd-interest-rate\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Bank FD Interest Rates<\/a> page<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Details_Considerations\"><\/span>Important Details &amp; Considerations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Senior Citizens:<\/strong> Senior citizens are eligible for an additional interest rate of <strong>0.50% p.a.<\/strong> over and above the regular rates (making the highest senior citizen rate <strong>7.00% p.a.<\/strong>). <\/li>\n\n\n\n<li><strong>Tax Saving FDs:<\/strong> For a 5-year lock-in tax saver FD, HDFC offers 6.40% to the general public and 6.90% to senior citizens. <\/li>\n\n\n\n<li><strong>Premature Withdrawal:<\/strong> 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). <\/li>\n<\/ul>\n\n\n\n<p><strong>Explore Bonds \u2013<\/strong>&nbsp;<a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds&nbsp;<\/a>|&nbsp;<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a>|&nbsp;<a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ready_to_Invest\"><\/span><strong>Ready to Invest?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Visit&nbsp;<a href=\"https:\/\/goldenpi.com\/\">GoldenPi&nbsp;<\/a>to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b910,000.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><strong>Disclaimer:<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>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.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph --><style data-type=\"vc_shortcodes-custom-css\"><\/style>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/hdfc-bank-fixed-deposits-fds-and-interest-rates-for-july-2026\/\"\n    },\n    \"headline\": \"HDFC Bank Fixed Deposits (FDs) and Interest Rates for July 2026\",\n    \"description\": \"Check the latest HDFC Bank FD interest and RD interest rates for July 2026. 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