HDFC Bank fixed deposits are among the most trusted investment options for individuals seeking safe, predictable returns. With HDFC FD interest rates offering competitive returns across multiple tenures, investors can choose plans that align with their financial goals. The latest HDFC FD rates in 2026 make it easier for both short-term and long-term investors to grow their savings securely.

Whether you are comparing HDFC fixed deposit rates with other banks or looking for stable income options, HDFC bank FD rates provide flexibility, safety, and reliable returns for all types of investors.

HDFC Bank FD Interest Rates 2026 Highlights

HDFC FD Interest Rates for Deposits of Rs. 3 crore to Rs. 5 crore

HDFC FD Interest Rates for Deposits of Rs. 5 crore to Rs. 5.25 Crore

HDFC FD Interest Rates for Deposits of >=5.25 Crore <5.50 Crore

HDFC FD Interest Rates for Deposits of >=5.50 Crore <24.75 Crore

HDFC FD Interest Rates for Deposits of >=24.75 Crore to <25 Crore

Benefits of  HDFC Bank Fixed Deposit Rates

Putting your money in HDFC fixed deposits offers multiple advantages, including competitive returns, flexibility, and safety. Here are the key benefits of investing in HDFC fixed deposit rates:

• Competitive Interest Rates: HDFC Bank offers attractive HDFC FD interest rates of up to 6.60% for general citizens and 7.10% for senior citizens, making it comparable with leading banks.
• Flexible Interest Payouts: You can choose how you want to receive your returns—monthly, quarterly, annually, or at maturity—based on your financial needs.
• High Safety and Reliability: Backed by a well-established private sector bank, HDFC bank FD rates ensure capital protection and stable returns.
• Liquidity with Premature Withdrawal: HDFC allows premature withdrawal of FDs in emergencies, with a small penalty, ensuring greater liquidity.
• Loan / Overdraft Facility: You can avail an overdraft or loan of up to 90% of your FD amount without breaking your deposit.
• Tax Benefits: Tax saver FDs with a 5-year lock-in period qualify for deductions up to ₹1.5 lakh under Section 80C.
• Easy Online Booking: You can open and manage your FD easily through net banking or mobile banking without any paperwork.
• Senior Citizen Benefits: Under HDFC senior-citizen FD rates, investors aged 60 and above receive an additional 0.50% interest, ensuring higher returns.

These features make the latest HDFC FD rates a suitable choice for investors looking for secure and flexible investment options.

Eligibility to Avail HDFC Bank Fixed Deposit Rates

You can apply for a fixed deposit under HDFC fixed deposit rates if you meet the following eligibility criteria and wish to benefit from stable returns through HDFC bank FD rates:

• Individual Investors: Indian residents are eligible to invest and earn returns under HDFC FD interest rates with flexible tenure options.
• NRI Applicants: Non-Resident Indians (NRIs) with NRE or NRO accounts can also invest in select schemes available under latest HDFC FD rates.
• Senior Citizens: Individuals aged 60 and above are eligible for higher returns and additional benefits under HDFC senior-citizen FD rates.
• Business Entities: HUFs, sole proprietorships, partnership firms, limited companies, and trust accounts can invest under HDFC bank FD rates.

Documents Required to Avail HDFC Bank Fixed Deposit Rates

These are the essential documents required to open a fixed deposit account under HDFC fixed deposit rates and start earning returns through HDFC bank FD rates:

• Recent Photograph: A passport-sized photograph is required for identity verification while applying for HDFC FD interest rates.
• KYC Documents: Valid identity and address proof such as PAN card, Aadhaar card, passport, driving licence, or voter ID are mandatory to access latest HDFC FD rates.
• Partnership Firm Documents: Partnership firms must submit documents like incorporation certificate, partnership deed, and authorised signatories’ ID proofs and signatures to invest under HDFC bank FD rates.
• HUF Documents: Hindu Undivided Families (HUFs) need to provide a self-attested PAN card, HUF declaration deed, and HUF bank statement to be eligible for HDFC fixed deposit rates.
• Senior Citizen Proof (if applicable): Applicants above 60 years may need to submit valid age proof to avail additional benefits under HDFC senior citizen FD rates.

Who Should Invest in HDFC Bank Fixed Deposits

HDFC Bank fixed deposits are suitable for a wide range of investors seeking safe, stable returns. If you are considering HDFC fixed deposit rates in 2026, here’s who should ideally invest:

• Risk-averse investors: If you prefer capital safety over market-linked returns, HDFC FD interest rates offer predictable, secure earnings.
• Senior citizens seeking regular income: With HDFC senior-citizen FD rates offering an extra 0.50% return, retirees can enjoy a higher, more stable income.
• Short-term and long-term planners: Whether your goal is short-term parking of funds or long-term savings, the latest HDFC FD rates cater to tenures from 7 days to 10 years.
• Tax-saving investors: Individuals looking to save tax under Section 80C can opt for the 5-year tax-saver FD at HDFC Bank FD rates.
• First-time investors: With a minimum deposit of ₹1,000, HDFC FDs are ideal for beginners entering fixed-income investing.
• Business entities and NRIs: HUFs, firms, companies, and NRIs can also invest and benefit from flexible options under HDFC FD interest rates.

Premature Withdrawal of HDFC Bank Fixed Deposit

HDFC bank allows you to break or liquidate your FD through internet banking or offline in your bank branch. The interest rate applicable in case of premature withdrawal of Fixed Deposit or partial withdrawal will be 1% less of the rate on the date of deposit booking. This 1% is the penalty for premature withdrawal of FD.

Tax on HDFC Bank Fixed Deposit Interest

Taxation on HDFC bank fixed deposit is in sync with the rules laid down by the Income Tax regulatory authorities. TDS is deducted for both regular and senior citizens at 10% if your PAN details are updated with the bank. If the bank doesn’t have your PAN details, the TDS is deducted at 20%. 

However, TDS exemption is provided if the interest earnings are below Rs. 50000 (for general citizens) and Rs. 100000 (for senior citizens).

HDFC Bank Overdraft Against Fixed Deposits

HDFC bank offers overdraft facilities against your fixed deposit. You need to have open a fixed deposit for at least 6 months and 1 days with a minimum amount of Rs. 25000. You can get up to 90% of your deposit amount as an overdraft. You can avail OD facility against your FD using HDFC netbanking facility.

HDFC FD Interest Calculator

You can use the HDFC FD calculator made for your convenience by Stable Money. Find out returns on your FD by simply entering deposit amount, interest rate, tenure and citizen type. 

Consider the example below to understand interest income from HDFC Bank FD interest rates:

Mr X booked an FD of ₹1,00,000 with HDFC Bank for 18 months at 7.10%, interest compounding quarterly. Then, Mr X will receive an interest of ₹10,994 and the maturity value of the fixed deposit will be ₹1,10,994.

Get higher interest rates on FD up to 8.10% with Stable Money-partnered banks! Download the Stable Money app and start investing NOW!!!

Types of HDFC Fixed Deposit Schemes & Their Interest Features

HDFC offers 6 different types of fixed deposit options including:

HDFC Regular Fixed Deposit

 Standard FD that offers fixed returns with higher interest rates for senior citizens.

• Highest interest rate: Up to 6.60% for general citizens. Up to 7.10% for senior citizens
• Eligibility: resident Indians, HUF, sole proprietorship firms, partnership firms, limited companies, trust accounts, NRI
• FD tenure: 7 days to 10 years
• Payout Options: Monthly and quarterly payout options available for FD of 6 months or more.

Direct Deposit Fixed Deposit

FD option for those who don’t have an account with HDFC Bank. 

• Highest interest rate: Up to 6.60% for general citizens, up to 7.10% for senior citizens.
• Eligibility: No savings/current account with HDFC Bank. applicant must be Indian resident and above 18 years of age.
• FD tenure: 7 days to 10 years
• Payout options: Monthly and quarterly payout options available for FD of 6 months and above.

HDFC Bank Health Cover Fixed Deposit

FD option with hospital cash cover for the first year.

• Highest Interest rates: Up to 6.60% for general citizens. Up to 7.10% for senior citizens
• Eligibility: Indian residents within the age bracket of 18 to 59 years can book FD for Rs. 5 lakhs up to Rs. 2.99 crores.
• FD tenure: 1 year to 10 years
• Payout options: monthly and quarterly payout options available

Five Year Tax Saving Fixed Deposit

A 5 year tax saver FD with HDFC Bank starting at ₹ 5000 with maximum amount going up to ₹ 1.5 lakhs in a financial year.

• Highest interest rates: 6.40% for general citizens, 6.90% for senior citizens
• Eligibility: resident Indians, HUF, sole proprietorship firms, partnership firms, limited companies, trust accounts
• FD tenure: 5 years
• Payout options: monthly and quarterly payout available

FCNR Deposit

FD option for residents and NRI to open FD in 6 foreign currencies including; US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars

• Interest Rates: The interest rates for FCNR differs for each currency and tenure starting at 0.25% for JPY to 3.90% for AUD.
• Eligibility: Non resident indian (NRI) or Person of Indian Origin (PIO)
• FD tenure: 1 year to 5 years
• Payout options: at maturity or via repatriation

Non-Withdrawable Deposit

FD option with no premature withdrawal option.

• Interest Rates: 5.85% to 6.45% interest across different deposit amounts.
• Eligibility: resident Indians, HUF, sole proprietorship firms, partnership firms, limited companies, trust accounts
• FD tenure: Flexible terms from 89 days to 10 years, 1 year for deposits ₹2 - <₹5 crore, 89 days for deposits ≥ ₹5 crore.
• Payout Options: Monthly or quarterly payout options available

HDFC FD Interest Payout Options

HDFC bank offers multiple FD options with customisable payout frequency. You can choose interest payout monthly, quarterly, annually or you can collect it cumulatively on maturity.

Compare HDFC FD Interest Rates with Other Banks

Below is the table depicting interest rates for FD booked in different banks for up to 5 years. 

Compare HDFC FD interest rates with other banks with Stable Money FD Interest Rate Comparison tool

Note: The range is depicted as the general citizen interest rate - senior citizen rate.

How to Open HDFC FD?

To book an FD with HDFC Bank, you can go to the HDFC net banking website or via mobile banking app. Follow the steps below:

1. Login using your customer ID and password/MPIN.
2. Go to the main menu and select ‘Open Fixed Deposit’ under ‘Save’ header.
3. Enter the details such as, interest payout preference, amount, duration of FD and maturity instructions.
4. Click on ‘Continue’ to confirm your bank branch address and add nominee details
5. Accept the conditions and click on ‘Confirm’
6. You will be redirected to the payment page to finish the payment process.

Why Should You Choose Stable Money to Book Fixed Deposits?

Stable Money allows you to compare and book fixed deposits from partnered banks and NBFCs 24*7 using a single platform. You can book multiple FDs at high interest rates of up to 8.40% with our partnered banks without opening additional savings accounts at these banks. 

Our partnered banks offer quarterly interest compounding to increase your annualised interest income. With assistance from our customer support team, you can book an FD online from any location.

Download the Stable Money app and start earning higher returns on FD today!