HDFC Bank: Big news for HDFC bank customers. HDFC Bank has updated its fixed deposit (FD) interest rates. The bank has introduced new rates applicable to customers holding FDs under Rs 3 crore. Following these adjustments, regular customers can now earn up to 6.60 percent interest from HDFC Bank, while senior citizens will receive 7.20 percent interest. These revised rates came into effect on 4 November 2026.

HDFC Bank FD rates for the general public

For regular customers, the bank offers interest rates up to 2.75 percent on FDs with tenures from 7 to 29 days. For FDs lasting 30 to 45 days, the interest rate is 3.25 percent, and for those between 46 to 60 days, it is 4.25 percent.

Greater returns in a shorter period

The bank has raised the interest rate by 50 basis points for FDs with durations from 61 days to 6 months, bringing the new rate to 4.75 percent, up from the previous 4.25 percent. For FDs lasting from 6 months and 1 day to 9 months, the rate has been increased by 15 basis points to 5.65 percent. Meanwhile, FDs with tenures from 9 months and 1 day to less than 1 year now earn 5.90 percent interest, reflecting a 15 basis point rise as well.

Increase in long-term FD rates

HDFC Bank is offering 6.25 percent interest on FDs with tenures of more than one year up to 15 months. For FDs lasting over 15 months up to 18 months and 1 day, the interest rate is 6.35 percent. The bank has increased the rate by 5 basis points for FDs from 18 months to 2 years, now offering 6.50 percent. For FDs between 2 years and 1 day to 3 years, the interest rate stands at 6.55 percent.

Interest rates on fixed deposits with maturities from 3 years and 1 day to less than 4 years and 7 months have risen from 6.50 percent to 6.60 percent. Similarly, for FDs maturing between 4 years and 7 months to 5 years, the rate has increased from 6.40 percent to 6.60 percent. The bank now offers 6.60 percent interest on fixed deposits lasting from 5 years and 1 day to 10 years, up from the previous rate of 6.15 percent.

 

Higher interest rates for senior citizens

Senior citizens receive 7.20 percent interest on FDs with tenures ranging from 3 years and 1 day to 5 years. It is worth noting that the bank offers 3.25 percent interest on FDs maturing in 7 to 29 days. For senior citizens, the interest rate on FDs with maturities between 30 and 45 days is 3.75 percent.