HDFC Bank, India’s largest private lender, has revised interest rates on fixed deposits (FDs) for deposits less than ₹3 crore.
The new rates came into effect from December 17, 2025.
The revision follows the RBI’s repo rate cut in December, when the central bank reduced the benchmark rate from 5.50% to 5.25%.
This move benefits both general customers and senior citizens, with higher interest offered to senior citizens across all tenors.
FD Rates for Different Tenors
Short-term deposits:
7 to 29 days: 2.75% for general public, 3.25% for senior citizens.
30 to 45 days: 3.25% (general), 3.75% (senior citizens).
46 to 89 days: 4.25% (general), 4.75% (senior citizens).
90 days to 6 months: 4.25% (general), 4.75% (senior citizens).
Medium-term deposits:
6 months 1 day to 9 months: 5.50% (general), 6.00% (senior citizens).
9 months 1 day to <1 year: 5.75% (general), 6.25% (senior citizens).
1 year to <15 months: 6.25% (general), 6.75% (senior citizens).
Long-term deposits:
15 months to 3 years: 6.35%–6.45% (general), 6.85%–6.95% (senior citizens).
3 years 1 day to 5 years: 6.40% (general), 6.90% (senior citizens).
5 years 1 day to 10 years: 6.15% (general), 6.65% (senior citizens).
Why This Matters for Investors
The new FD rates offer attractive returns, especially for senior citizens.
Longer-term deposits provide stable returns, making them ideal for those looking to secure their savings while earning consistent interest.
By revising rates after the RBI’s repo rate cut, HDFC Bank ensures that depositors benefit from higher returns compared to previous rates, helping both short-term and long-term investors plan their finances better.
