{"id":16481,"date":"2026-10-03T18:05:06","date_gmt":"2026-10-03T12:35:06","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=16481"},"modified":"2026-10-03T18:05:07","modified_gmt":"2026-10-03T12:35:07","slug":"hdfc-bank-fixed-deposits-fds-and-interest-rates","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/","title":{"rendered":"HDFC Bank Fixed Deposits (FDs) and Interest Rates for October 2026"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<p>As per HDFC Bank&#8217;s interest rate structure effective <strong>19 August 2026<\/strong>, regular customers can earn between <strong>2.75% and 6.50% p.a.<\/strong> on domestic deposits below \u20b93 crore. Eligible resident senior citizens receive an additional <strong>0.50 percentage points<\/strong> on applicable tenures, taking the maximum rate to <strong>7.10% p.a.<\/strong> The highest regular-customer rate of 6.50% p.a. applies to deposits with a tenure of <strong>3 years 1 day to less than 4 years 7 months<\/strong>.<\/p><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 eztoc-toggle-hide-by-default' ><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\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/#HDFC_Bank_FD_Interest_Rates_October_2026\" >HDFC Bank FD Interest Rates: October 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\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/#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-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/#What_Should_Investors_Consider\" >What Should Investors Consider<\/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\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n<\/div>\n\n\n<p>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&#8217;s a complete breakdown of HDFC Bank&#8217;s FD interest rates as of October 2026 (effective August 19, 2026), along with the factors you should weigh before locking in your money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"HDFC_Bank_FD_Interest_Rates_October_2026\"><\/span>HDFC Bank FD Interest Rates: October 2026&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As per HDFC Bank&#8217;s interest rate structure effective <strong>19 August 2026<\/strong>, regular customers can earn between <strong>2.75% and 6.50% p.a.<\/strong> on domestic deposits below \u20b93 crore. Eligible resident senior citizens receive an additional <strong>0.50 percentage points<\/strong> on applicable domestic deposits, taking the maximum rate to <strong>7.10% p.a.<\/strong> The highest regular-customer rate of 6.50% p.a. applies to deposits with a tenure of <strong>3 years 1 day to less than 4 years 7 months<\/strong>.<\/p>\n\n\n\n<p>Some key FD rates for deposits below \u20b93 crore are:<\/p>\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\">Rates<\/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>7.10%<\/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>Note: <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\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/\" aria-label=\"HDFC Bank Fixed Deposits (FDs) and Interest Rates for October 2026\"><img decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/03175955\/hdfc-bank-interest-rate-2026-1024x575.png\" class=\"attachment-large size-large wp-post-image\" alt=\"hdfc-bank-interest-rate-2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/03175955\/hdfc-bank-interest-rate-2026-1024x575.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/03175955\/hdfc-bank-interest-rate-2026-300x169.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/03175955\/hdfc-bank-interest-rate-2026-768x431.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/03175955\/hdfc-bank-interest-rate-2026.png 1223w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/\">HDFC Bank Fixed Deposits (FDs) and Interest Rates for October 2026<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/2-crore-fd-interest-per-month-fd-vs-bonds-vs-debt-funds\/\" aria-label=\"\u20b92 Crore FD Interest Per Month in 2026: FD vs Bonds vs Debt Funds\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"2 Crore FD Interest Per Month\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/29160242\/2-Crore-FD-Interest-Per-Month.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\/2-crore-fd-interest-per-month-fd-vs-bonds-vs-debt-funds\/\">\u20b92 Crore FD Interest Per Month in 2026: FD vs Bonds vs Debt Funds<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/premature-fd-withdrawal-penalties-interest-calculation-tax-impact\/\" aria-label=\"Premature FD Withdrawal: Penalties, Interest Calculation &amp; Tax Impact\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Premature FD withdrawal Rules\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22132020\/Premature-FD-withdrawal-Rules.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\/premature-fd-withdrawal-penalties-interest-calculation-tax-impact\/\">Premature FD Withdrawal: Penalties, Interest Calculation &amp; Tax Impact<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Special_Rates_Terms\"><\/span>Special Rates &amp; Terms:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Senior Citizens:<\/strong> Eligible resident senior citizens receive an additional <strong>0.50 percentage points<\/strong> over the applicable regular rate on eligible domestic fixed deposits. The highest applicable senior-citizen rate is <strong>7.10% p.a.<\/strong><\/li>\n\n\n\n<li><strong>Tax Saver FDs:<\/strong> They have a <strong>five-year lock-in period<\/strong>. For Tax Year 2026-27, eligible tax-saving deposits can qualify for a deduction of up to <strong>\u20b91.5 lakh under Section 123 read with Schedule XV of the Income Tax Act, 2025<\/strong>, 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 <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\n\n\n<li><strong>Premature Withdrawal:<\/strong> If you withdraw before maturity, the interest rate applicable for premature withdrawal, including sweep-in\/partial withdrawal, will be <strong>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<\/strong>, subject to HDFC Bank&#8217;s applicable terms.<\/li>\n\n\n\n<li><strong>Deposit Insurance:<\/strong> Eligible deposits with insured banks are covered by DICGC up to <strong>\u20b95 lakh per depositor per bank<\/strong>, including principal and interest, subject to the applicable rules.<\/li>\n<\/ul>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Explore Bonds<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds\u00a0<\/a>|\u00a0<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>\u00a0|\u00a0<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a> | <a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_Investors_Consider\"><\/span>What Should Investors Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">Visit\u00a0<a href=\"https:\/\/goldenpi.com\/\">GoldenPi\u00a0<\/a>to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b910,000.<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\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","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: As per HDFC Bank&#8217;s interest rate structure effective 19 August 2026, regular customers can earn between 2.75% and 6.50%&hellip;<\/p>\n","protected":false},"author":15,"featured_media":16485,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[225,25],"tags":[],"class_list":["post-16481","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HDFC Bank Fixed Deposits (FDs) Interest Rate for October 2026<\/title>\n<meta name=\"description\" content=\"Check the latest HDFC Bank FD interest and RD interest rates for October 2026. Compare tenure-wise rates, senior citizen benefits, and key features before investing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/hdfc-bank-fixed-deposits-fds-and-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HDFC Bank Fixed Deposits (FDs) Interest Rate for October 2026\" \/>\n<meta property=\"og:description\" content=\"Check the latest HDFC Bank FD interest and RD interest rates for October 2026. 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