Rates verified from official source
As of 5 Oct 2026, HDFC Bank offers up to 6.50% p.a. on its fixed deposit (FD) (3 Years 1 day to < 4 Years 7 Months) for general customers and 7.10% p.a. (3 Years 1 day to < 4 Years 7 Months) for senior citizens. Rates below are as published by the bank — confirm with HDFC before investing.
Estimate returns at HDFC (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to | As of | Source |
|---|---|---|---|---|---|---|
7 - 14 days |
2.75% | 3.25% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
15-29 days |
2.75% | 3.25% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
30-45 days |
3.25% | 3.75% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
46-60 days |
4.25% | 4.75% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
61-89 days |
4.25% | 4.75% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
90 days <= 6 months |
4.25% | 4.75% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
6 months 1 day <=9 months |
5.50% | 6.00% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
9 months 1 day to < 1 Year |
5.75% | 6.25% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
1 Year to < 15 months |
6.25% | 6.75% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
15 months to < 18 months |
6.35% | 6.85% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
18 months to < 21 months |
6.45% | 6.95% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
21 months to 2 years |
6.45% | 6.95% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 Years 1 day to < 2 Year 11 Months |
6.45% | 6.95% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 Years 11 Months (35 months) Special Tenure |
6.45% | 6.95% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 Years 11 Months 1 day <= 3 Year |
6.45% | 6.95% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
3 Years 1 day to < 4 Years 7 Months |
6.50% | 7.10% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
4 Year 7 Months (55 months) Special Tenure |
6.40% | 6.90% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
4 Year 7 Months 1 day <=5 Years |
6.40% | 6.90% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
5 Years 1 day to 10 Years |
6.15% | 6.65% | Below ₹3 crore (retail) | 1 Sept 2017 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
As of 5 Oct 2026, HDFC Bank offers up to 6.50% p.a. on its fixed deposit (FD) (3 Years 1 day to < 4 Years 7 Months) for general customers and 7.10% p.a. (3 Years 1 day to < 4 Years 7 Months) for senior citizens. Rates below are as published by the bank — confirm with HDFC before investing.
As of 5 Oct 2026, HDFC Bank offers 6.25% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at HDFC Bank, depending on the tenure.
Deposits with HDFC Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 1 Sept 2017. Rates can change without notice, so verify on the official HDFC website before investing.
See HDFC FD rates side by side against India's top banks.
Deposits with HDFC Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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.
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