HDFC Bank Fixed Deposit Interest Rates: Maximize Your Returns Today
Fixed Deposits (FDs) are a secure and reliable investment option that guarantees returns over a fixed tenure. HDFC Bank, a leading name in Indian banking, offers competitive interest rates for deposits under ₹3 crore, with exclusive benefits for senior citizens. Here’s a detailed look at the latest HDFC Bank Fixed Deposit rates to help you make informed financial decisions.

Discover HDFC FD interest rates, calculators, senior citizen benefits, NRI options, and rate charts. Learn about current rates for ₹1 lakh and 2024
What Are Fixed Deposits?
A Fixed Deposit allows you to invest a lump sum for a specific period, earning a fixed rate of interest. The interest rates vary based on the deposit amount, tenure, and customer category (regular or senior citizen).
HDFC Bank provides FDs with attractive interest rates and flexible tenures ranging from 7 days to 10 years.
HDFC Bank FD Interest Rates for Deposits Below ₹3 Crore
Below are the current interest rates offered by HDFC Bank for deposits under ₹3 crore, categorized by tenor buckets.

Discover HDFC FD interest rates, calculators, senior citizen benefits, NRI options, and rate charts. Learn about current rates for ₹1 lakh and 2024
HDFC FD Interest Rates
HDFC Bank offers competitive FD interest rates across various tenures. These rates cater to both regular customers and senior citizens, ensuring options for diverse financial needs. Rates are updated periodically, so it’s advisable to stay informed through the bank’s website or branch updates.
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HDFC FD Interest Rates Calculator
HDFC Bank provides an online FD interest rate calculator to help customers estimate returns. Simply enter the deposit amount, tenure, and customer type (regular or senior citizen) to calculate maturity value and interest earnings.
HDFC FD Interest Rate for Senior Citizens
Senior citizens enjoy an additional 0.50% interest rate across all tenures. For example:
- A 15-month FD offers a regular rate of 7.10%, but senior citizens earn 7.60%.
- For tenures like 2 years 11 months, senior citizens earn as high as 7.85%. This higher rate ensures better returns and financial security for retirees.
HDFC FD Interest Rates for NRIs
HDFC Bank offers exclusive fixed deposit options for Non-Resident Indians (NRIs), including NRO and FCNR deposits. These FDs come with attractive rates, flexible tenures, and options to repatriate funds as per RBI guidelines.
HDFC Bank FD Interest Rate Chart
The interest rate chart for HDFC Bank FDs outlines rates for various tenures, helping customers easily compare and choose the best option. Use the bank’s official website or visit a branch to access the latest rate chart.
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What is the FD Interest Rates in HDFC?
The FD interest rates in HDFC Bank range from 3.00% to 7.25% for regular customers and 3.50% to 7.75% for senior citizens, depending on the tenure. These rates ensure competitive returns across different deposit durations.
HDFC FD Interest Rates 2024 for 1 Year
For a one-year tenure, HDFC Bank offers an interest rate of 6.60% for regular customers and 7.10% for senior citizens. This tenure is popular for balancing liquidity and returns.
HDFC FD Interest Rates for ₹1 Lakh
Investing ₹1 lakh in an HDFC Bank FD can yield significant returns based on the tenure and customer type. For instance, a one-year FD for a regular customer earns an interest rate of 6.60%, while senior citizens enjoy 7.10%.
HDFC FD Interest Rates for Current Account Holders
HDFC Bank also provides tailored FD options for current account holders. These include features like flexible tenures, competitive rates, and seamless integration with other banking services.
HDFC Bank FD Interest Rates Changes
HDFC Bank revises its FD interest rates periodically, reflecting market trends and RBI guidelines. Customers are advised to stay updated to make timely investment decisions.
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Key Features of HDFC Bank Fixed Deposits
- Attractive Interest Rates: Competitive rates ensure better returns, with senior citizens earning an additional 0.50% interest.
- Flexible Tenures: Choose from a wide range of tenures, starting at just 7 days and going up to 10 years.
- Secure Investment: FD investments are risk-free and provide guaranteed returns.
- Senior Citizen Benefits: Special rates ensure higher earnings for individuals aged 60 years and above.
- Loan Against FD: Access funds in emergencies by availing loans against your FD without breaking it.
Tips to Maximize Your FD Returns
- Choose Longer Tenures: Longer tenures often come with higher interest rates, increasing your returns.
- Reinvest Interest: Opt for cumulative FDs where interest is reinvested, leading to higher compounding returns.
- Consider Splitting Deposits: Diversify your investments across multiple tenures to balance liquidity and returns.
Conclusion
HDFC Bank’s fixed deposit rates cater to a wide range of investors, offering attractive returns and flexible tenures. Whether you’re saving for a short-term goal or seeking a long-term investment, HDFC’s FD options are a secure and reliable choice. Senior citizens, in particular, can take advantage of the higher rates to ensure financial stability post-retirement.
Start your investment journey today by exploring HDFC Bank’s fixed deposit options and secure your financial future!
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Disclaimer: This is not financial or investment advice. Please conduct your own due diligence or seek expert guidance for financial planning.
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