HDFC Bank FD Interest Rates

HDFC Bank is one of India’s largest private commercial banks in India. As of 30th September 2025, 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 6.60% p.a. to regular investors and 7.10% p.a. to senior citizens. 

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 2025 in detail.

HDFC Bank FD Rates 2025 - Domestic/NRO/NRE Deposits (Less than ₹3 Crores)

The table below shows you the interest rates for different tenure options for both regular depositors and senior citizens:

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• The bank levies 1% penalty on the applicable interest rate of the FD 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.
• The minimum tenure for NRE deposit is 1 year.
• Simple interest is paid for FD tenures of less than/equal to 6 months.
• Interest is calculated on a quarterly basis and paid at a discounted rate for monthly payout option.
• TDS is applicable on the interest earned.

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

Let’s have a look at the HDFC Bank FD rates 2025 for these high-value FDs:

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• Minimum investment is ₹3 Crores. 
• Maximum investment is below ₹5 Crores.
• Resident senior citizens enjoy 0.50% higher interest rates (not applicable for NRIs).
• A monthly interest payout option is available at a discounted rate. 
• The premature withdrawal penalty is the same as for FDs under ₹3 Crores.
• TDS is applicable on interest, but can be avoided by submitting Form 15G (15H for seniors).

HDFC Bank FD Rates 2025 - Tax Saver FD

The HDFC Bank Tax Saver FD combines the perks of fixed returns with tax benefits under Section 80C. By investing in this FD scheme, you can claim a deduction of up to ₹1.5 Lakh per financial year. 

The latest HDFC Bank FD interest rates for tax saver deposits are listed below:

Note: The interest rates mentioned above are valid as of 30th September 2025. Rates are subject to change. Please verify the latest rate before investing.

Some Important Points 

• This FD has a 5-year tenure and it cannot be withdrawn prematurely. 
• The minimum investment amount is ₹100 while the maximum is ₹1.5 Lakhs in a financial year. .
• You cannot obtain a loan against this FD scheme. 
• This FD can be booked by a resident individual or HUF. 
• If the FD is booked on a joint basis, only the first accountholder can claim tax benefits.
• TDS is applicable on the interest earned. 

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

As of 30th September 2025, HDFC Bank offers competitive interest rates of up to 7.10% p.a. for senior citizens and 6.60% p.a. for regular depositors (18 months to >21 months) on FDs under ₹3 Crores. 

For FDs of ₹3 Crore to below ₹5 Crore, senior citizens earn 6.85% p.a. and regular depositors 6.35% p.a. (3 years 1 day to 5 years). As for tax saving FDs, the HDFC Bank FD rate for senior citizens is 6.90% p.a. and 6.40% p.a. for regular depositors. 

Want better FD interest rates? Visit the GoldenPi website. Here, you will find FD options from India’s leading NBFCs and banks with attractive interest rates and flexible tenures.