New Delhi: In a surprising move, HDFC Bank reduced interest rates on fixed deposits of less than Rs 3 crore as the financial year 2025-26 (FY26) started. India’s largest private sector lender slashed interest rates for two particular tenures:
2 Years 11 Months – 35 Months
4 Year 7 Months – 55 months
The bank will provide a maximum interest rate of 7.25 per cent on FDs maturing in 18 months to 21 months.
Fixed Deposits are considered one of the most popular ways to save money in India. In a FD scheme, an individual having a savings account in a bank deposits a lump sum amount for a fixed tenure at a fixed rate of interest. At the time of maturity, the depositor receives the amount invested plus compound interest. FDs are also called term deposits. The FDs Interest rates are fixed when an individual opens the deposit and the rate depends on the tenure.
HDFC Bank FD interest rates from April 1, 2025
- HDFC Bank will continue to give a 3 per cent interest rate on fixed deposits with tenures of 7-29 days.
- The lender is providing 3.50 percent return on FD with tenures of 30-45 days.
- For fixed deposits having tenures of 46-60 days, the interest rate will be 4.50 per cent.
- For 6 months 1 days < = 9 months tenure, the private bank will provide an interest rate of 5.75%.
- The interest rate on HDFC Bank FDs for 9 months 1 day to < 1 year, is 6 per cent.
- FDs maturing in 1 year to 15 months will provide 6.60 per cent return.
- HDFC Bank is providing 7.10 per cent interest on FDs maturing in 15 months to 18 months.
- Customers opting fixed deposits maturing in 18 months to 21 months, will be entitled to get 7.25% interest rate.
- HDFC Bank FD for 21 months-2 years and 11 months will earn an interest rate of 7 per cent.
| Tenor | General Citizens | Senior Citizens |
| 7 – 14 days | 3.00% | 3.50% |
| 15 – 29 days | 3.00% | 3.50% |
| 30 – 45 days | 3.50% | 4.00% |
| 46 – 60 days | 4.50% | 5.00% |
| 61 – 89 days | 4.50% | 5.00% |
| 90 days < = 6 months | 4.50% | 5.00% |
| 6 months 1 days < = 9 months | 5.75% | 6.25% |
| 9 months 1 day to < 1 year | 6.00% | 6.50% |
| 1 year to < 15 months | 6.60% | 7.10% |
| 15 months to < 18 months | 7.10% | 7.60% |
| 18 months to < 21 months | 7.25% | 7.75% |
| 21 months – 2 years | 7.00% | 7.50% |
| 2 Years 1 day to < 2 Year 11 Months | 7.00% | 7.50% |
| 2 Years 11 Months – 35 Months | 7.00% | 7.50% |
| 2 Years 11 Months 1 day < = 3 Year | 7.00% | 7.50% |
| 3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
| 4 Year 7 Months – 55 months | 7.00% | 7.50% |
| 4 Year 7 Months 1 day < = 5 Years | 7.00% | 7.50% |
| 5 Years 1 day – 10 Years | 7.00% | 7.50% |
