HDFC FD Interest Rates 2026
Preset to HDFC's current fd rates rate of 6.6%. Change any value to see your own numbers.
- Current rate 6.60%
- Range 3.00–7.00%
- Rank #8 of 8 banks
- Verified 16 July 2026
HDFC FD Calculator
- Principal₹1,00,000
- Interest @ 6.6%₹6,765
- Maturity amount₹1,06,765
Principal vs interest
- Principal ₹1,00,000
- Interest ₹6,765
HDFC FD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 7–45 days | 3.00% | 3.50% |
| 46–180 days | 5.25% | 5.75% |
| 1 year | 6.60% | 7.10% |
| 2–3 years | 7.00% | 7.50% |
| 5 years (Tax Saver) | 6.75% | 7.25% |
HDFC Bank pays 6.6% on a 1-year fixed deposit as of 16 July 2026, with senior citizens earning about 0.50% more. The calculator above is preset to that rate so you can see your maturity instantly.
HDFC's fixed deposit rates range from 3.00% to 7.00% across tenures. Below is the full HDFC rate table, the deposit rules that matter, and how HDFC stacks up against the 8 banks we track.
HDFC FD — key facts
- Premature withdrawal attracts a penalty of up to 1% below the rate applicable for the period the deposit stayed with the bank.
- Senior citizens earn an additional 0.50% over the standard card rate.
- Minimum deposit is ₹5,000 for a regular fixed deposit.
- The 5-year Tax Saver FD qualifies for deduction under Section 80C and carries a mandatory lock-in period.
How HDFC compares
HDFC's FD rate is below the category median. AU SFB pays more at 7.25%.
HDFC FD FAQs
What is HDFC's FD interest rate in 2026?
HDFC Bank pays 6.6% on a 1-year FD, with rates across tenures ranging from 3% to 7%.
What FD rate do senior citizens get at HDFC?
Senior citizens earn about 7.1% on a 1-year deposit — typically 0.50% above the regular rate. Turn on the senior-citizen option in the calculator to include it.
Is there a penalty for breaking a HDFC FD early?
Premature withdrawal attracts a penalty of up to 1% below the rate applicable for the period the deposit stayed with the bank.
Are HDFC deposits safe?
Deposits with scheduled banks in India are insured by the DICGC up to ₹5,00,000 per depositor per bank, covering both principal and interest.