HDFC Bank FD Interest Rates 2026: How Much Will You Earn on 1, 3 and 5 Year FDs?
For investors looking for relatively stable returns without direct exposure to market fluctuations, fixed deposits remain a popular choice. HDFC Bank offers domestic FDs below ₹3 crore across tenures from 7 days to 10 years, with different rates for regular customers and eligible senior citizens.
For FDs with a tenure of 5 years and 1 day to 10 years, the applicable rate is 6.15%.
The rate is 3.25% for 7 to 14 days, 6% for 6 months and 1 day to 9 months, and 6.75% for 1 year to less than 15 months.
For deposits of 18 months to less than 21 months, the rate is 6.95%. The highest rate mentioned is 7.10% for deposits held for more than 3 years and less than 4 years and 7 months. For 5 years and 1 day to 10 years, senior citizens get 6.65%.
With a cumulative FD, the interest is added to the deposit and paid at maturity. A non-cumulative FD, meanwhile, provides interest payouts at chosen intervals.
Tax is another factor to consider. TDS may be deducted on FD interest, depending on the applicable rules.
Before opening an FD, however, compare the applicable rate, tenure, premature withdrawal conditions and tax implications to choose an option that matches your financial needs.
Disclaimer: The information provided is for general informational purposes only. NewsPoint will not be responsible for any financial loss, investment decision or other consequences arising from the use of this information. Readers are advised to check the latest FD rates, terms and conditions with HDFC Bank before making any financial decision.
HDFC Bank FD Interest Rates
For general customers, HDFC Bank offers interest rates starting at 2.75% for short-term deposits of 7 to 14 days. The rate can go up to 6.50% for deposits held for more than 3 years and less than 4 years and 7 months.For FDs with a tenure of 5 years and 1 day to 10 years, the applicable rate is 6.15%.
Senior Citizens Get Higher Rates
Eligible customers aged 60 years and above receive higher interest rates on several FD tenures.The rate is 3.25% for 7 to 14 days, 6% for 6 months and 1 day to 9 months, and 6.75% for 1 year to less than 15 months.
For deposits of 18 months to less than 21 months, the rate is 6.95%. The highest rate mentioned is 7.10% for deposits held for more than 3 years and less than 4 years and 7 months. For 5 years and 1 day to 10 years, senior citizens get 6.65%.
Your FD Return Depends on More Than the Rate
The final maturity amount depends on factors such as the deposit amount, tenure and interest payout choice.With a cumulative FD, the interest is added to the deposit and paid at maturity. A non-cumulative FD, meanwhile, provides interest payouts at chosen intervals.
Check These Points Before Investing
An FD can lock your money for a fixed period, so choose the tenure carefully. If you withdraw the deposit before maturity, your interest earnings may be reduced and a penalty may apply.Tax is another factor to consider. TDS may be deducted on FD interest, depending on the applicable rules.
Use the FD Calculator
Investors can estimate their returns using HDFC Bank's FD calculator. Select the FD type, customer category, deposit amount and tenure to see the estimated maturity value. The calculator allows amounts from ₹5,000 to ₹2.99 crore.Is HDFC Bank FD Right for You?
HDFC Bank FDs may suit people who prioritise predictable returns and want to avoid direct market-linked risks. Senior citizens can also benefit from the additional interest offered on eligible deposits.Before opening an FD, however, compare the applicable rate, tenure, premature withdrawal conditions and tax implications to choose an option that matches your financial needs.
Disclaimer: The information provided is for general informational purposes only. NewsPoint will not be responsible for any financial loss, investment decision or other consequences arising from the use of this information. Readers are advised to check the latest FD rates, terms and conditions with HDFC Bank before making any financial decision.
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