HDFC Bank FD Interest Rates

HDFC Bank FD interest rates: up to 6.50% for the general public and 7.10% for senior citizens.

Highest rate, general: 6.50%
Tenure (general): 3 Years 1 day to < 4 Years 7 Months
Highest rate, senior citizens: 7.10%
Tenure (senior): 3 Years 1 day to < 4 Years 7 Months
Rate card effective: August 19, 2026

HDFC Bank’s rate card effective 19 August 2026 pays up to 6.50% a year (3 Years 1 day to < 4 Years 7 Months) on fixed deposits below ₹3 crore. Senior citizens get up to 7.10% (3 Years 1 day to < 4 Years 7 Months).

Questions

What is the highest HDFC Bank FD rate?

6.50% for the general public on 3 Years 1 day to < 4 Years 7 Months, and 7.10% for senior citizens on 3 Years 1 day to < 4 Years 7 Months, per the rate card effective 19 August 2026.

How much will my HDFC Bank FD earn?

Enter the amount, rate and tenure in the FD calculator.

Compare banks in the FD interest rates table.

Bank: HDFC Bank
Full rate table (below ₹3 crore): Tenure General Senior citizens
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 to 2 years 6.45% 6.95%
2 Years 1 day to < 2 Year 11 Months 6.45% 6.95%
2 Years 11 Months (35 months) 6.45% 6.95%
2 Years 11 Months 1 day <= 3 Year 6.45% 6.95%
3 Years 1 day to < 4 Years 7 Months 6.50% 7.10%
4 Year 7 Months (55 months) 6.40% 6.90%
4 Year 7 Months 1 day <=5 Years 6.40% 6.90%
5 Years 1 day to 10 Years 6.15% 6.65%
Bank rate card: hdfc.bank.in
Sources: Source Link
HDFC Bank interest rates page (rates applicable from 19 August 2026) https://www.hdfc.bank.in/fixed-deposit/fd-interest-rate
HDFC Bank historical FD rates chart (below ₹3 crore) https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/interest-rates/Historical-FD-Rates-Less-than-Rs-3-Crs.pdf
Last checked: October 5, 2026

Tenure	General	Senior citizens
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 to 2 years	6.45%	6.95%
2 Years 1 day to < 2 Year 11 Months	6.45%	6.95%
2 Years 11 Months (35 months)	6.45%	6.95%
2 Years 11 Months 1 day <= 3 Year	6.45%	6.95%
3 Years 1 day to < 4 Years 7 Months	6.50%	7.10%
4 Year 7 Months (55 months)	6.40%	6.90%
4 Year 7 Months 1 day <=5 Years	6.40%	6.90%
5 Years 1 day to 10 Years	6.15%	6.65%

Source	Link
HDFC Bank interest rates page (rates applicable from 19 August 2026)	https://www.hdfc.bank.in/fixed-deposit/fd-interest-rate
HDFC Bank historical FD rates chart (below ₹3 crore)	https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/interest-rates/Historical-FD-Rates-Less-than-Rs-3-Crs.pdf

Source: each bank’s own interest rate page or rate card PDF, linked on each record. Journalist Today is not affiliated with these banks.