HDFC Bank Fixed Deposit

HDFC Bank · Fixed deposits

1 year: 6.25%

Facts read on · Source

Rating

3.5 out of 5 · Good

  • Interest rate at 1, 3 and 5 years (65% of the rating): 90/100
  • Premature withdrawal penalty (20% of the rating): 0/100
  • Minimum amount (15% of the rating): 30/100

Worked out by method version 1 against the 4 deposits listed, from the facts on this page. How products are rated

The facts

3 years
6.45%
5 years
6.40%
Penalty
1.00%
Minimum
₹5,000
Senior, 1 year
6.75%
Senior, 5 years
6.90%
Sweep-in
Yes
Deposit cover
₹5 lakh per depositor, per bank

Worth knowing

Rates for deposits below ₹3 crore, as listed on 2 Nov 2026. Breaking early pays 1% less than the rate for the time the deposit was held, including sweep-in and partial withdrawals. The ₹5,000 minimum is from HDFC Bank's fixed deposit page.

Rate history

Rates are added, never edited, so earlier rates stay on this page.

  1. : 6.90% · 60-month term · Senior citizens
  2. : 6.40% · 60-month term
  3. : 6.95% · 36-month term · Senior citizens
  4. : 6.45% · 36-month term
  5. : 6.75% · 12-month term · Senior citizens
  6. : 6.25% · 12-month term

Fixed deposits, side by side · Work it out with your own figures

Savingy Guide · Calculators · Product ratings · Editorial guidelines

For education only. The Savingy Guide explains how money products and decisions work in general terms. It is not financial, investment, tax, insurance or legal advice, and it does not recommend any product. Rules, rates and figures change, so check the current terms before you act, and speak to a qualified professional about your own situation.