HDFC Bank FD interest rates have been increased for selected fixed deposit tenures, bringing better returns for customers looking to invest their savings.
Senior citizens can now earn interest of up to 7.20%, while general customers can receive a maximum interest rate of 6.60%.
The revised rates apply to selected fixed deposits below Rs 3 crore and came into effect on November 4, 2026. The bank has increased interest rates by up to 50 basis points on certain deposit periods.
The latest revision offers additional benefits to senior citizens, particularly those planning to keep their money invested for three to five years.
HDFC Bank FD Interest Rates: What Has Changed?
The bank has revised interest rates across several short-term and long-term deposit categories. However, not all tenures have received an increase.
For general customers, the interest rate on deposits with tenures ranging from 61 days to six months has increased from 4.25% to 4.75%. This represents an increase of 50 basis points.
Deposits of six months and one day to nine months will now earn 5.65%, compared with the earlier rate of 5.50%.
Similarly, deposits of nine months and one day to less than one year will earn 5.90%, up from 5.75%.
For deposits with a tenure of 18 months to less than two years, the revised interest rate is 6.50%. The bank has also increased rates on selected longer-term deposits.
The interest rate for deposits between three years and one day and five years has increased to 6.60%. For deposits between five years and one day and 10 years, the rate has also increased to 6.60%.
Senior Citizens Can Earn Up to 7.20%
Senior citizens are among the biggest beneficiaries of the latest revision. They receive higher interest rates than regular customers on eligible fixed deposits.
For deposits with a tenure of 61 days to six months, the interest rate has increased from 4.75% to 5.25%. Deposits between six months and one day and nine months will now earn 6.15%.
For deposits between nine months and one day and less than one year, the revised rate stands at 6.40%.
The bank has also increased interest rates on several longer-term deposits.
Senior citizens investing for 18 months to less than two years can now earn 7%, while deposits between two years and one day and three years offer 7.05%.
The highest interest rate of 7.20% is available on deposits with tenures ranging from three years and one day to five years.
For deposits between five years and one day and 10 years, senior citizens can earn 7.10%.
Complete HDFC Bank FD Interest Rate Details
The following are the revised interest rates for general customers and senior citizens on deposits below Rs 3 crore.
| FD Tenure | General Customers | Senior Citizens |
|---|---|---|
| 7–29 days | 2.75% | 3.25% |
| 30–45 days | 3.25% | 3.75% |
| 46–60 days | 4.25% | 4.75% |
| 61 days–6 months | 4.75% | 5.25% |
| 6 months 1 day–9 months | 5.65% | 6.15% |
| 9 months 1 day–less than 1 year | 5.90% | 6.40% |
| 1 year–less than 15 months | 6.25% | 6.75% |
| 15 months–less than 18 months | 6.35% | 6.85% |
| 18 months–less than 2 years | 6.50% | 7.00% |
| 2 years 1 day–3 years | 6.55% | 7.05% |
| 3 years 1 day–5 years | 6.60% | 7.20% |
| 5 years 1 day–10 years | 6.60% | 7.10% |
What Should FD Investors Consider?
The revised rates may make selected fixed deposit tenures more attractive, especially for senior citizens who prefer predictable returns on their savings.
However, investors should compare interest rates across different tenures before opening a deposit.
Choosing a longer tenure only because it offers a higher rate may not be suitable for someone who needs access to their money earlier.
Fixed deposits generally offer returns at a predetermined interest rate for the selected period.
Depending on the deposit terms, customers can choose different interest payout options, including periodic payouts or cumulative deposits.
Investors should also check premature withdrawal conditions, applicable penalties and tax implications before making a decision.
The revised HDFC Bank FD rates provide an opportunity for depositors to reassess their investment choices, with senior citizens eligible for returns of up to 7.20% on qualifying deposits.
