HDFC Bank Fixed Deposit interest rates · November 2026
What will my FD earn at HDFC?
Early withdrawal: 1% lower rate on every regular tenure; special schemes can differ. Bank's terms ↗ · Checked 13 Oct 2026
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 15-29 days 2 slabs at this rate |
2.75% | 3.25% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
30-45 days |
3.25% | 3.75% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
46-60 days |
4.25% | 4.75% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
61-89 days to 90 days <= 6 months 2 slabs at this rate |
4.75% | 5.25% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
6 months 1 day <=9 months |
5.65% | 6.15% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
9 months 1 day to < 1 Year |
5.90% | 6.40% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
1 Year to < 15 months |
6.25% | 6.75% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
15 months to < 18 months |
6.35% | 6.85% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
18 months to 2 years 2 slabs at this rate |
6.50% | 7.00% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
2 Years 1 day to 2 Years 11 Months 1 day <= 3 Year 2 slabs at this rate |
6.55% | 7.05% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
2 Years 11 Months (35 months) Special Tenure |
6.55% | 7.05% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
3 Years 1 day to 4 Year 7 Months 1 day <=5 Years 2 slabs at this rate |
6.60% | 7.20% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
4 Year 7 Months (55 months) Special Tenure |
6.60% | 7.20% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
5 Years 1 day to 10 Years |
6.60% | 7.10% | Below ₹3 crore (retail) | 4 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
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HDFC FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.25%Before you book
HDFC Fixed Deposit: frequently asked questions
What is the highest HDFC Fixed Deposit interest rate?
As of 14 Nov 2026, HDFC Bank offers up to 6.60% p.a. on its fixed deposit (FD) (3 Years 1 day to < 4 Years 7 Months) for general customers and 7.20% 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.
What is the HDFC 2-year FD interest rate?
As of 14 Nov 2026, HDFC Bank offers 6.50% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the HDFC 3-year FD interest rate?
As of 14 Nov 2026, HDFC Bank offers 6.55% p.a. on a 3-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the HDFC 5-year FD interest rate?
As of 14 Nov 2026, HDFC Bank offers 6.60% p.a. on a 5-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at HDFC?
Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at HDFC Bank, depending on the tenure.
When did HDFC last change its Fixed Deposit rates?
HDFC Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 10 Nov 2026: the general rate for 61-89 days went from 4.25% to 4.75%. RateScan.in has tracked HDFC's rates since 19 Sept 2026.
What fixed deposit (FD) tenures does HDFC offer?
HDFC Bank's published fixed deposit (FD) rate table has 17 tenure bands, from “7 - 14 days” to “5 Years 1 day to 10 Years”.
Does HDFC have special fixed deposit (FD) schemes?
HDFC Bank's rate table lists these named schemes (1): Special Tenure. Check eligibility and end dates with the bank.
Does HDFC pay more than the Post Office Time Deposit?
HDFC Bank pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 2y 6.50% (PO 7.00%), 3y 6.55% (PO 7.10%), 5y 6.60% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does HDFC's 1-year FD rate rank?
HDFC Bank's 1-year general FD rate of 6.25% ranks #739 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with HDFC insured?
Deposits with HDFC Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these HDFC rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 4 Nov 2026. Rates can change without notice, so verify on the official HDFC website before investing.
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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.
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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