HDFC Bank Fixed Deposit Interest Rates 2025 - Latest FD Rates

With an HDFC Fixed Deposit, you can invest a lump sum of money for a set amount of time and receive a guaranteed return at a predetermined rate. HDFC FD rates depend on factors such as customer category (regular / senior / NRI), tenure, and deposit amount.

HDFC Bank revises its FD interest rates periodically in response to the Reserve Bank of India's (RBI) policy moves and market liquidity. Always check the latest rates on the bank's official site before investing.

Senior citizens earn an additional 0.50% interest across most FD tenures.

Highlights

• Ideal for low-risk, stable monthly or quarterly income.
• Higher interest helps offset inflation for retirees.
• Age proof required at the time of FD creation.

An HDFC FD offers more than just returns; it provides a range of features and benefits that make it a compelling investment option.

• Fixed & Guaranteed Returns: The interest rate is fixed for the entire tenure, providing a predictable and secure return on your investment, regardless of market fluctuations.
• Liquidity: You can avail of a loan against FD, which allows you to access funds without prematurely breaking your FD. This is a significant advantage as it helps you meet financial emergencies while your FD continues to earn interest.
• Flexible Tenure & Payouts: You can choose a tenure from 7 days to 10 years and select from various payout options, including monthly, quarterly, or cumulative at maturity, to suit your financial needs.
• Credibility: Investing with HDFC Bank means your funds are with one of India's largest and most reliable private sector banks, providing peace of mind.

1. Regular Fixed Deposit
   • Standard FD with flexible tenure & assured returns.
2. HDFC Tax Saving FD (5-Year Lock-in)
   • Deduction under Section 80C
   • Max deposit ₹1.5 lakh per FY
   • No premature withdrawal
3. HDFC Smart Deposit / Super Saver Account
   • Linked to savings account
   • Auto-sweeps surplus into FD
   • Higher interest than savings account
4. HDFC SureCover FD
   • FD + life insurance cover for enhanced financial security.

When opening an HDFC FD, you can choose how your interest is paid out.

• Reinvestment (Cumulative) Option: The interest earned is reinvested along with the principal, and the entire amount is paid out at maturity. This is the best option for investors who want to maximize their returns through the power of compounding.
• Non-Cumulative (Periodic) Option: You can choose to receive interest payouts at regular intervals, monthly or quarterly. This is ideal for those who rely on interest income for their day-to-day expenses, such as retired individuals.

Opening an HDFC FD is a simple and hassle-free process. You will need the following documents for identity and address proof:

• Proof of Identity: PAN card, Aadhaar card, Passport, Voter ID, or Driving License.
• Proof of Address: Aadhaar card, Passport, Utility bills (like electricity or telephone bills), or Bank statement.
• Passport-size photographs:
• For NRIs, additional documents like valid passport and visa may be required.

HDFC allows loans up to 90% of FD value, with interest generally 2% above FD rate.

An HDFC credit card against an FD is a great choice if you want a credit card but don't have a lot of credit history. You can obtain a credit card with a credit limit that is normally between 80% and 90% of the deposit amount by using your FD as collateral. As a result, you can maintain your FD while improving your credit score.

HDFC Bank offers convenient ways to open an FD.