HDFC Fixed Deposit Rates 2025
With HDFC Fixed Deposit, you can invest your money for a tenure anywhere between 7 days to 10 years and earn interest over the deposited amount. Currently, the HDFC bank offers interest rates ranging from 3.00% p.a. to 7.25% p.a.
Senior citizens are entitled to an additional interest rate of 0.50% across all tenures.
HDFC Bank Domestic FD Rates for Below Rs.3 crore
The HDFC Bank FD interest rates 2025 are listed in the table below:
Tenore | Interest Rate (per annum) | Senior Citizen Rates (per annum) |
7 to 14 days | 3.00% | 3.50% |
15 to 29 days | 3.00% | 3.50% |
30 to 45 days | 3.50% | 4.00% |
46 to 60 days | 4.50% | 5.00% |
61 to 89 days | 4.50% | 5.00% |
90 days less than equal to 6 months | 4.50% | 5.00% |
6 months 1 days less than equal to 9 months | 5.75% | 6.25% |
9 months 1 day to less than 1 year | 6.00% | 6.50% |
1 year to less than 15 months | 6.60% | 7.10% |
15 months to less than 18 months | 7.10% | 7.60% |
18 months to less than 21 months | 7.25% | 7.75% |
21 months to 2 years | 7.00% | 7.50% |
2 Years 1 day to less than 2 Year 11 Months | 7.00% | 7.50% |
2 Years 11 Months to 35 Months | 7.00% | 7.50% |
2 Years 11 Months 1 day less than equal to 3 Year | 7.00% | 7.50% |
3 Years 1 day to less than 4 Years 7 Months | 7.00% | 7.50% |
4 Year 7 Months to 55 months | 7.00% | 7.50% |
4 Year 7 Months 1 day less than equal to 5 Years | 7.00% | 7.50% |
5 Years 1 day to10 Years | 7.00% | 7.50% |
Note: Rates are effective from 1 April 2025 and can change from time to time.
HDFC Bank Domestic FD Rates: (Above Rs.3 crore to less than Rs.5 crore)
Here are HDFC Bank FD rates for deposits of more than Rs.3 crore to less than Rs.5 crore:
Tenore | Interest Rate (per annum) | Senior Citizen Rates (per annum) |
7 - 14 days | 4.75% | 5.25% |
15 - 29 days | 4.75% | 5.25% |
30 - 45 days | 5.50% | 6.00% |
46 - 60 days | 5.75% | 6.25% |
61 - 89 days | 6.00% | 6.50% |
90 days less than 6 months | 6.50% | 7.00% |
6 months 1 day less than 9months | 6.65% | 7.15% |
9 months 1 day to less than 1 Year | 6.80% | 7.30% |
1 Year to less than15 months | 7.15% | 7.65% |
15 months to less than 18 months | 7.00% | 7.50% |
18 months to less than 21 months | 7.00% | 7.50% |
21 months to 2 years | 7.00% | 7.50% |
2 year 1 day to 3 years | 6.90% | 7.40% |
3 year 1 day to 5 years | 6.90% | 7.40% |
5 year 1 day to 10 years | 6.80% | 7.30% |
Note: Rates are effective from 4 April 2025 and can change from time to time.
Features and Benefits of HDFC Fixed Deposits
- A fixed deposit gives you guaranteed returns.
- When you have a savings account with HDFC, you can easily open a fixed deposit and do not have to worry about the amount until it matures.
- If you choose a fixed deposit with a reinvestment option, you can easily benefit from the compound interest and earn interest on the principal amount and also the interest that you earn.
- If you want to get a regular income, you can always choose for monthly or quarterly interest pay-outs.
- If you want to save tax, you can choose the five year tax saving fixed deposit, and benefit from the exemptions under Section 80c.
HDFC Bank NRE FD Rates
HDFC fixed deposit rates for NRE customers are listed in the table below:
Tenure | Interest Rate for General Public (p.a.) | Interest Rate for Senior Citizen Rates (p.a.) |
7 - 14 days | 3.00% | 3.50% |
15 - 29 days | 3.00% | 3.50% |
30 - 45 days | 3.50% | 4.00% |
46 - 60 days | 4.50% | 5.00% |
61 - 89 days | 4.50% | 5.00% |
90 days < = 6 months | 4.50% | 5.00% |
6 months 1 days < = 9 months | 5.75% | 6.25% |
9 months 1 day to < 1 year | 6.00% | 6.00% |
1 year to < 15 months | 6.60% | 7.10% |
15 months to < 18 months | 7.10% | 7.60% |
18 months to < 21 months | 7.25% | 7.75% |
21 months - 2 years | 7.00% | 7.50% |
2 Years 1 day to < 2 Year 11 Months | 7.00% | 7.50% |
2 Years 11 Months - 35 Months | 7.00% | 7.50% |
2 Years 11 Months 1 day < = 3 Year | 7.00% | 7.50% |
3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
4 Year 7 Months - 55 months | 7.00% | 7.50% |
4 Year 7 Months 1 day < = 5 Years | 7.00% | 7.50% |
5 Years 1 day - 10 Years | 7.00% | 7.50% |
Note: New rates are effective from 1 April 2025 and can change from time to time. and the minimum tenor for NRE FD is one year.
Also, Check - HDFC RD Rates
HDFC FCNR Deposit Rates
The interest rates for HDFC FCNR are listed in the table below:
Period | GBP | USD | EURO | JPY | AUD | CAD | |||||
|
| Less than1 lakh | Greater than or equal to Rs.1 lakh to less than Rs.5 lakh | Greater than or equal to Rs.5 lakh to less than Rs.1 mio | Greater than or equal to Rs.1 mio to less than Rs.20 mio | Greater than or equal to Rs.20 mio to less than Rs.100 mio | Greater than or equal to Rs.100 mio |
|
|
|
|
1 Year- less than 2 years | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 2.55% | 0.01% | 4.35% | 2.90% |
2 years - less than 3 years | N/A | 4.40% | 4.40% | 4.40% | 4.40% | 4.40% | 4.40% | N/A | N/A | 4.00% | 2.70% |
3 year to less than 4 years | N/A | 4.20% | 4.20% | 4.20% | 4.20% | 4.20% | 4.20% | N/A | N/A | 3.90% | 2.30% |
4 years to less than 5 years | N/A | 3.95% | 3.95% | 3.95% | 3.95% | 3.95% | 3.95% | N/A | N/A | 3.90% | 2.25% |
5 years only | N/A | 3.95% | 3.95% | 3.95% | 3.95% | 3.95% | 3.95% | N/A | N/A | 3.90% | 2.25% |
Note: New rates are effective from 1 April 2025.
HDFC RFC Deposit Rates
The interest rates for HDFC RFC are listed in the table below:
Period | GBP | USD | EURO | JPY | |||||
|
| <1 lakh | >= 1 lakh to < 5 lakh | >= 5 lakh to < 1 mio | >= 1 mio to < 20 mio | >= 20 mio to < 100 mio | >= 100 mio |
|
|
Less than 29 Days | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
30 days - 3 Months | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
3 Months 1day - 6 Months | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
6 Months 1day to less than 1 Year | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
1 Year-less than 2 years | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 4.80% | 2.55% | 0.01% |
2 years - less than 3 years | 0.01% | 4.40% | 4.40% | 4.40% | 4.40% | 4.40% | 4.40% | 0.01% | 0.01% |
3 years only | 0.01% | 4.20% | 4.20% | 4.20% | 4.20% | 4.20% | 4.20% | 0.01% | 0.01% |
Note: New rates are effective from 1 April 2025.
Types of HDFC Fixed Deposits and Their Features
- Regular Fixed Deposits
- You can easily make an investment and these have high flexibility, and security.
- Senior citizens get a higher rate of interest.
- You can open a deposit via NetBanking and choose for monthly or quarterly payouts.
- HDFC Bank HealthCover FD
- You can avail combined benefits of a fixed deposit and hospital cash coverage.
- The minimum deposit amount is Rs.5 lakh and the maximum deposit amount is Rs.1.99 crore.
- You can avail flexible tenures ranging from 1 year to 10 years.
- You can get an instant overdraft of up to 90% of the amount of your fixed deposit.
- The interest rates are the same as a regular fixed deposit.
- Five Year Tax Saving Fixed Deposit
- The minimum deposit amount is Rs.100 and multiples of Rs.100
- The maximum deposit amount is Rs.1.5 lakh in a financial year.
- The tenure is a lock-in period of 5 years.
- If you have joint deposits, the tax benefit under Section 80c will be available to the first holder.
- TDS will be deducted when the interest payable or reinvested exceeds Rs.40,000 (Rs.50,000 for senior citizens) in one financial year.
- TDS Certificate will be mailed to you after end of every quarter during the financial Year providing the details of TDS deducted during the quarter.
- FCNR Deposits
- You can open fixed deposit in any of these foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars
- You get tax exemption on the deposit amount
- You can open the deposit jointly with NRIs
- Avail of the nomination facility
- Overdraft Against Fixed Deposits
- You can get avail up to 90% of overdraft on your hdfc fixed deposit.
- The minimum amount of deposit is Rs.25,000 for a minimum tenure of 6 months 1 day to get the overdraft against FD/Super Saver facility
- You can get overdraft against FD/Super Saver facility on deposit held in single name via NetBanking
- Non-withdrawable Deposits
- Premature or partial withdrawal of the fixed deposit is not allowed
- You can opt for quarterly or monthly interest pay outs
Eligibility Criteria to Open a Fixed Deposit with HDFC
- Residents
- Hindu undivided families
- Sole proprietorship firms
- Partnership firms
- Limited companies
- Trust accounts
Documents Required to Open an HDFC Fixed Deposit
- Aadhaar card
- Voter ID
- PAN card
- Driving Licence
- Ration card with photo
- Any government-issued ID card
- Passport
How to Invest in HDFC FD
You can open a fixed deposit with HDFC Bank online as well as offline. The steps to invest in HDFC fixed deposit online are as follows:
- Step 1: Visit the official website of HDFC Bank.
- Step 2: Log into your net banking account.
- Step 3: Select the ‘Open Fixed Deposits’ option under the ‘TRANSACT’ section.
- Step 4: Choose the branch and enter the required amount and tenure.
- Step 5: Assign a nominee.
- Step 6: Click on the ‘Continue’ option and confirm.
- Step 7: The fixed deposit receipt will be instantly available for download.
If you hold an account with HDFC Bank and want to book an FD offline, you can visit the nearest HDFC Bank branch. Request an FD application form, enter the requested information, and submit it to the bank.
If you do not have an HDFC Bank savings account, you will need to submit documents such as proof of address, proof of identity, and complete the KYC process. The above documents must be submitted with a completed and signed application form.
Taxes on HDFC Bank Fixed Deposits
You are liable to pay taxes on the interest income you receive from a fixed deposit. The interest income contributes to your overall tax obligation. Additionally, you need to be aware that interest from FDs is essentially added to your yearly income. Your tax bracket is calculated by considering your overall income. Since interest from fixed deposits is regarded as ‘income from other sources,’ it is taxable under TDS. The TDS is taken out immediately after the interest income is credited into your account. Here a few points regarding tax on fixed deposits:
- If your annual income is less than Rs.2.5 lakh, you will not have to pay any tax on your FD. However, you may be asked to submit Form 15G or 15H for claiming deductions.
- Your annual interest income from all fixed deposits is exempt from taxes if it doesn't exceed Rs.40,000.
- A TDS of 10% will be applicable on the annual interest income of more than Rs.40,000. Additionally, the bank may deduct 20% TDS for individuals who do not have a PAN card.
HDFC Fixed Deposit - Premature Withdrawal
An Interest rate will be applicable for premature closure and this will be the lower amount of either of these:
- The base rate for the original tenure of the deposit
- The base rate which is applicable for the tenure for which deposit has been with the bank
The base rate will be applicable to all deposits amounting to less than Rs.1 crore on the date of booking your deposit. For all deposits that are more than Rs.5 crores, the base rate will be for Rs.5 crore as on the date of booking your deposit. For premature withdrawals, like sweep-ins and also partial withdrawals, HDFC Bank will levy a penalty of 1%. The penalty for premature withdrawal will not be applicable for any fixed deposits that are booked for a tenor of 7 days to 14 days.
How to Calculate HDFC Fixed Deposit Interest Rates
The interest that you earn on your FD depends on several factors, including the amount, rate of interest, tenure, frequency of interest calculation, and taxation. To calculate the interest earned on your HDFC FD is hassle-free and simple. All you got to do is visit the online HDFC FD calculator to know the amount you can earn after maturity.
Loan Against HDFC Fixed Deposits
HDFC Bank allows you to meet your unexpected financial requirements without having to break your FD. Take a look at a few pointers regarding loans against fixed deposits:
- Obtain an overdraft on your FD of up to 90%.
- Resident individuals, public and private limited companies, and HUFs are eligible to avail this facility.
- To use the Overdraft against FD/Super Saver facility, the minimum FD amount is Rs.25,000 for a minimum tenure of 6 months 1 day.
- This facility is available on fixed deposits held in a single name.
- You can cancel your overdraft against your fixed deposit through net banking.
- The repayment with interest is only on the amount withdrawn, with interest still accruing on the balance of your fixed deposit.
- Your fixed deposit can be linked to either a savings account or a current account.
- Before the deposit matures, the deposit term, payment instructions, rollover mode, and maturity can be altered.
FAQs on HDFC FD Interest Rates
- In how many years will an FD double?
You can check the total amount you have yielded by calculating the same using the interest rates from the above tables.
- Can I change the tenure of my HDFC fixed deposit account?
You cannot change the tenure; however, you can close the existing account and open a new one with a tenure of your choice.
- Can I withdraw from my HDFC FD account ahead of the maturity date?
You can withdraw from your FD account; however, the bank will give the principal amount with either a lower rate of interest or after deducting any penalties. That said, FDs through HDFC have a lock-in period of 1 month to 5 years, which you cannot withdraw from your FD account.
- Can I deposit more funds to my HDFC FD account?
HDFC does not have the option to add more cash to your FD account; however, you can open a new FD to add more liquidity.
- Do I need to submit KYC documents for opening an HDFC FD account?
Yes, you need to submit KYC documents for a FD account with HDFC bank.
- Can a non-HDFC Bank customer open an FD online?
Both new and existing can open and operate the HDFC FD account online. First-time or new customers can get the username and password by visiting the local HDFC branch.
- Is PAN mandatory to open an HDFC FD account?
Yes, a PAN is mandatory to open or operate an HDFC FD account.
- Which forms do I need to submit to evade TDS?
Form 15G/15H needs to be submitted at the beginning of each financial year.
- How can I book an FD via SMS?
To book an HDFC FD via SMS, you need to send a text message to 5676712 after typing 'BOOKFD'. On doing so, an FD will be booked with Rs.5000 for 12 months by default. In case, you want to book an FD with a different amount for a period of 12 months, you need to type BOOKFD (Amount) and for booking the FD for the mentioned amount and tenure you must type BOOKFD (Amount) and send it to 5676712.
- Who is eligible to open a term deposit account with HDFC Bank?
A term deposit account with HDFC Bank can be opened by residents, Hindu Undivided Families, sole proprietorship firms, limited companies, partnership firms, and trust accounts.
- Can I book the five-year Tax Saving fixed deposit with the quarterly payout option?
Yes. HDFC Bank offers you the option of booking the five-year tax saving fixed deposit with a monthly or quarterly payout option.
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