HDFC Bank FD Interest Rates

HDFC Bank is one of India’s largest private commercial banks. As of April 2026, HDFC Bank FD interest rates for domestic/NRO/NRE deposits under ₹3 Crores start from 2.75% (3.25% for seniors). The bank offers the highest FD rate of 6.50% p.a. to regular investors and 7.00% p.a. to senior citizens for a specific tenure of 3 years 1 day to less than 4 years 7 months. 

If you wish to invest ₹3 Crores or more (up to ₹5 Crores), you can earn up to 6.35% p.a (6.85% for senior citizens) with a tenure of 3 years and 1 day to 5 years. Apart from this, HDFC Bank also offers a 5-year tax saver FD with 6.40% p.a. interest for regular investors and 6.90% p.a. for seniors. 

Let’s now explore the HDFC Bank FD rates 2026 in detail.

HDFC Bank FD Rates 2026 - Domestic/NRO/NRE Deposits (Less than ₹3 Crores)

The table below shows the interest rates for different tenure options for both regular depositors and senior citizens as per the latest revision effective March 2026:

Note: The interest rates mentioned above are valid as of April 2026. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• The bank levies a 1% penalty on the applicable interest rate for premature withdrawals.
• Minimum FD investment is ₹5,000 and the minimum tenure is 7 days.
• Senior citizen rates only apply to resident seniors, not NRIs.
• Simple interest is paid for FD tenures of less than/equal to 6 months.
• Interest is calculated on a quarterly basis and compounded. A discounted rate applies for the monthly payout option.
• TDS is applicable if total interest exceeds ₹40,000 (₹50,000 for seniors) in a financial year.

HDFC Bank FD Rates - Domestic/NRO/NRE Deposits (₹3 Crores to Less Than ₹5 Crores)

High-value deposits of ₹3 Crore to less than ₹5 Crore attract the following rates effective March 2026:

Note: These interest rates are valid as of April 2026. Resident senior citizens enjoy a 0.50% higher rate (not applicable for NRIs).

HDFC Bank FD Rates 2026 - Tax Saver FD

The HDFC Bank Tax Saver FD offers fixed returns along with tax benefits under Section 80C. You can claim a deduction of up to ₹1.5 Lakh per financial year. 

Note: The interest rates mentioned above are valid as of April 2026. This FD has a mandatory 5-year lock-in period.

Looking for Higher Interest Rates? Checkout the FD Options on GoldenPi Today!

As of April 2026, HDFC Bank continues to be a safe haven for conservative investors with rates up to 7.00% p.a. for seniors. However, if you are looking for higher yields, you can explore curated options from India’s leading Small Finance Banks and NBFCs on the GoldenPi website, where interest rates often exceed these benchmarks with flexible tenures.