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HDFC Bank FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card date not stated by the bank. Deposits below ₹3 crore.

HDFC Bank pays its best rate among these terms on 2 years: 6.45%, or 6.95% for senior citizens. That ranks 18th of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).

6.25%1 year, senior 6.75%
6.45%2 years, senior 6.95%
6.45%3 years, senior 6.95%
6.40%5 years, senior 6.90%

HDFC Bank FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 1 year to less than 15 months		6.25%6.75%₹5,31,99021st of 33
2 years
Slab: 21 months to 2 years		6.45%6.95%₹5,68,26018th of 33
3 years
Slab: 2 years 11 months 1 day to 3 years		6.45%6.95%₹6,05,80916th of 33
5 years
Slab: 4 years 7 months 1 day to 5 years		6.40%6.90%₹6,86,82215th of 33

Interest compounds every quarter and is paid at maturity, before tax. Source: HDFC Bank deposit rates. Each rate is the slab that contains that exact term.

How HDFC Bank compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.00 percentage points more. On ₹5 lakh that is ₹5,257 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.30 percentage points more. On ₹5 lakh that is ₹14,704 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.55 percentage points more. On ₹5 lakh that is ₹28,312 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.37 percentage points more. On ₹5 lakh that is ₹47,820 extra.

Similar banks: Axis Bank (6.50% for 2 years), Karnataka Bank (6.40% for 2 years), Federal Bank (6.55% for 2 years), ICICI Bank (6.30% for 2 years).

Amounts at HDFC Bank

  • ₹1 lakh for 2 years at 6.45% becomes ₹1,13,652.
  • ₹10 lakh for 2 years at 6.45% becomes ₹11,36,520.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the HDFC Bank FD rate for 1 year?

HDFC Bank pays 6.25% a year on a 1-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,31,990. The slab is "1 year to less than 15 months".

What is the HDFC Bank FD rate for 2 years?

HDFC Bank pays 6.45% a year on a 2-year deposit below ₹3 crore (6.95% for senior citizens). ₹5 lakh grows to ₹5,68,260. The slab is "21 months to 2 years".

What is the HDFC Bank FD rate for 3 years?

HDFC Bank pays 6.45% a year on a 3-year deposit below ₹3 crore (6.95% for senior citizens). ₹5 lakh grows to ₹6,05,809. The slab is "2 years 11 months 1 day to 3 years".

What is the HDFC Bank FD rate for 5 years?

HDFC Bank pays 6.40% a year on a 5-year deposit below ₹3 crore (6.90% for senior citizens). ₹5 lakh grows to ₹6,86,822. The slab is "4 years 7 months 1 day to 5 years".

Is money in a HDFC Bank FD safe?

HDFC Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate