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HDFC Bank FD Interest Rates
Interest Upto
7.10%
Min. Investment
₹ 5000
Tenure
12 Months
Compounding
--
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:
|
Tenure |
Regular Interest Rate (p.a.) |
Senior Citizen Interest Rate (p.a.) |
|
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 – 2 years |
6.45% |
6.95% |
|
2 years 1 day to < 2 years 11 months |
6.45% |
6.95% |
|
2 years 11 months (35 months) |
6.45% |
6.95% |
|
2 years 11 months 1 day ≤ 3 years |
6.45% |
6.95% |
|
3 years 1 day to < 4 years 7 months |
6.50% (highest) |
7.00% (highest) |
|
4 years 7 months (55 months) |
6.40% |
6.90% |
|
4 years 7 months 1 day ≤ 5 years |
6.40% |
6.90% |
|
5 years 1 day – 10 years |
6.15% |
6.65% |
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:
|
Tenure |
Regular Interest Rate (p.a.) |
Senior Citizen Interest Rate (p.a.) |
|
7 – 14 days |
3.50% |
4.00% |
|
15 – 29 days |
3.50% |
4.00% |
|
30 – 45 days |
4.75% |
5.25% |
|
46 – 60 days |
5.00% |
5.50% |
|
61 – 89 days |
5.25% |
5.75% |
|
90 days ≤ 6 months |
5.50% |
6.00% |
|
6 months 1 day ≤ 9 months |
5.75% |
6.25% |
|
9 months 1 day to < 1 year |
6.00% |
6.50% |
|
1 year to < 15 months |
6.25% |
6.75% |
|
15 months to < 18 months |
6.25% |
6.75% |
|
18 months to < 21 months |
6.40% |
6.90% |
|
21 months – 2 years |
6.40% |
6.90% |
|
2 years 1 day to 3 years |
6.25% |
6.75% |
|
3 years 1 day to 5 years |
6.35% (highest) |
6.85% (highest) |
|
5 years 1 day – 10 years |
6.15% |
6.65% |
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.
|
Tenure |
General Customers |
Senior Citizens |
|---|---|---|
|
5 Years |
6.40% p.a. |
6.90% p.a. |
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.
Frequently asked Questions
What is the highest HDFC Bank FD rate for 2026?
Can I break my HDFC Bank FD before maturity?
What is the minimum investment amount for an HDFC Bank FD?
Are HDFC Bank FD interest rates for senior citizens higher?
Calculate Your FD Returns
Invest Amount
₹
Tenure (Months)
Rate of Interest (p.a)
%
Invested Amount
₹ 1,00,000
FD Gains
₹ 6,660
Maturity Amount
₹ 1,06,660
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Disclaimer: This content is for informational purposes only and should not be treated as investment advice. Fixed Deposit products featured here are offered by institutions regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a SEBI-registered debt broker and acts purely as a distributor, not the issuer of these products. While we aim to provide accurate and timely information, details are subject to change. Investors are advised to verify all information and read the relevant offer documents carefully before investing. Market-linked investments carry risks.
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I am an investor balancing risk and return.
I am comfortable taking some risk for moderately higher returns. I can tolerate short-term fluctuations but want to avoid major losses. My aim is a blend of safety and yield, with a medium to long-term outlook (3–5 years).
I am comfortable with:
Example instruments:
AA/A Rated Corporate Bonds, Tax-free Bonds
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