Rates verified from official source

HDFC Bank interest rates · November 2026

Top FD rate
6.60%
3 Years 1 day to < 4 Years 7 Months
Senior citizen FD
7.20%
3 Years 1 day to < 4 Years 7 Months
Top RD rate
6.60%
3 Years 1 day to < 4 Years 7 Months
Savings rate
2.50%
All balances
Top NRE FD rate
6.60%
3 Years 1 day to < 4 Years 7 Months
Top FCNR(B) rate
3.50%
GBP · 5 years only

HDFC FD rates

1 year6.25%Senior 6.75%3 years6.55%Senior 7.05%5 years6.60%Senior 7.20%
All tenures, calculator and comparison →

What will my FD earn at HDFC?

Estimated value after 1 year · before tax ₹5,31,990 6.25% p.a. · ₹31,990 interest · quarterly compounding
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Plan your recurring deposit at HDFC

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

At HDFC, the monthly installment is fixed after booking. Late payments and early closure can change the payout. HDFC booking terms ↗

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Overview

HDFC Bank (HDFC) is a private sector bank, headquartered in Mumbai, established in 1994. Its headline 1-year FD rate of 6.25% is 0.23% below the private sector average of 6.48%, ranking #739 of 1033 banks on RateScan.in.

Headquarters
Mumbai
Established
1994
Branches
~9,000 approx.
ATMs
~21,000 approx.
Monitored since
19 Sept 2026
Ownership
Private sector bank (publicly listed)
Operates in
All India (nationwide)

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
19.59%
Capital adequacy
Net NPA
0.33%
Bad loans (net)
Credit rating India Ratings
AAA
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 24 Jun 2025, verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names HDFC Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

  1. RBI fined the bank ₹91.00 lakh

    RBI's reason: “for contravention of provisions of section 19 (1)(a) read with section 6(1) of the Banking Regulation Act, 1949 (BR Act) and non-compliance with certain directions issued by RBI on ‘Interest Rate on Advances’, ‘Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by banks’ and ‘Know Your Customer (KYC)’”

    What RBI found

    “The bank had adopted multiple benchmarks within the same loan category; A wholly owned subsidiary of the bank undertook business which is not a permissible business that can be undertaken by a banking company under Section 6 of the BR Act; and The bank had outsourced the function of determining compliance with KYC norms of certain customers to its outsourcing agents.”

    RBI says: “This action is based on deficiencies in statutory and regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”

    RBI press release 2025-2026/1580

  2. RBI fined the bank ₹75.00 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Know Your Customer (KYC)’”

    What RBI found

    “The bank did not categorise certain customers into low, medium or high risk category based on its assessment and risk perception; and The bank allotted multiple customer identification code to certain customers instead of a Unique Customer ldentification Code (UCIC) for each customer.”

    RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”

    RBI press release 2024-2025/2468

  3. RBI fined the bank ₹1,00,00,000

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Interest Rate on Deposits’, ‘Recovery Agents engaged by Banks’ and ‘Customer Service in Banks’ read with the BCSBI Code and ‘Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by banks’”

    What RBI found

    “The bank: gave gifts (in the form of paying first-year premium for the complimentary life insurance cover) costing more than ₹250 to the depositors at the time of accepting certain deposits; opened certain savings deposit accounts in the name of ineligible entities; and failed to ensure that customers are not contacted after 7 pm and before 7 am.”

    RBI says: “The action is based on deficiencies in statutory and regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”

    RBI press release 2024-2025/1075

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

9,918 branches in 599 districts

Most branches: Delhi 327, Bengaluru Urban 268, Hyderabad 220

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

HDFC Fixed Deposit rate changes

Changes to HDFC's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 19 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

10 Nov 2026
▲ 26 raised+0.05 to +0.50 pp
  • 61-89 days · General4.25% → 4.75% 0.50 pp
  • 90 days <= 6 months · General4.25% → 4.75% 0.50 pp
  • 61-89 days · Senior4.75% → 5.25% 0.50 pp
Show all 26 changesShow fewer
  • 90 days <= 6 months · Senior4.75% → 5.25% 0.50 pp
  • 5 Years 1 day to 10 Years · General6.15% → 6.60% 0.45 pp
  • 5 Years 1 day to 10 Years · Senior6.65% → 7.10% 0.45 pp
  • 4 Year 7 Months (55 months) · Senior6.90% → 7.20% 0.30 pp
  • 4 Year 7 Months 1 day <=5 Years · Senior6.90% → 7.20% 0.30 pp
  • 4 Year 7 Months (55 months) · General6.40% → 6.60% 0.20 pp
  • 4 Year 7 Months 1 day <=5 Years · General6.40% → 6.60% 0.20 pp
  • 6 months 1 day <=9 months · General5.50% → 5.65% 0.15 pp
  • 9 months 1 day to < 1 Year · General5.75% → 5.90% 0.15 pp
  • 6 months 1 day <=9 months · Senior6.00% → 6.15% 0.15 pp
  • 9 months 1 day to < 1 Year · Senior6.25% → 6.40% 0.15 pp
  • 2 Years 11 Months (35 months) · General6.45% → 6.55% 0.10 pp
  • 2 Years 11 Months 1 day <= 3 Year · General6.45% → 6.55% 0.10 pp
  • 3 Years 1 day to < 4 Years 7 Months · General6.50% → 6.60% 0.10 pp
  • 2 Years 1 day to < 2 Year 11 Months · General6.45% → 6.55% 0.10 pp
  • 2 Years 11 Months (35 months) · Senior6.95% → 7.05% 0.10 pp
  • 2 Years 11 Months 1 day <= 3 Year · Senior6.95% → 7.05% 0.10 pp
  • 3 Years 1 day to < 4 Years 7 Months · Senior7.10% → 7.20% 0.10 pp
  • 2 Years 1 day to < 2 Year 11 Months · Senior6.95% → 7.05% 0.10 pp
  • 18 months to < 21 months · General6.45% → 6.50% 0.05 pp
  • 21 months to 2 years · General6.45% → 6.50% 0.05 pp
  • 18 months to < 21 months · Senior6.95% → 7.00% 0.05 pp
  • 21 months to 2 years · Senior6.95% → 7.00% 0.05 pp
Bank's rate page ↗

See all HDFC rate changes →

Compare HDFC with other banks

See HDFC FD rates side by side against India's top banks.

HDFC vs SBIHDFC vs PNBHDFC vs BoBHDFC vs CanaraHDFC vs UnionHDFC vs BOIHDFC vs ICICIHDFC vs AxisHDFC vs KotakHDFC vs IndusIndHDFC vs YesHDFC vs IDFC FirstHDFC vs FederalHDFC vs BandhanHDFC vs RBLHDFC vs AUHDFC vs EquitasHDFC vs Ujjivan

Credit rating

What independent credit rating agencies say about HDFC Bank. Every rating links to the document it comes from, so you can check it yourself.

AAA
Headline rating
Fixed deposits · India Ratings · Stable
Highest safety: lowest credit risk
Latest rating action: 18 Mar 2026
AgencyInstrument RatingOutlook PublishedSource
India Ratings Fixed deposits AAA Stable Reaffirmed
18 Mar 2026
 Exchange filing
India Ratings Issuer rating AAA Stable Reaffirmed
18 Mar 2026
 Exchange filing
India Ratings Basel III Tier II bonds AAA Stable Reaffirmed
18 Mar 2026
 Exchange filing
India Ratings Infrastructure / long-term bonds AAA Stable Reaffirmed
18 Mar 2026
 Exchange filing
India Ratings Basel III Tier I (AT1) bonds AA+ Stable Reaffirmed
18 Mar 2026
 Exchange filing

Note: We have matched the India Ratings action to a published filing. HDFC Bank is also rated by CRISIL and CARE; those filings were not retrieved.

How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with HDFC Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • HDFC is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.60% p.a. more than general customers at HDFC, depending on the tenure.
  • HDFC's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 24 Jun 2025 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official HDFC website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.