For all the general depositors who wish to invest at most one Crore, HDFC bank offers the computation of amount and return over your investment on quarterly basis. For a period less than half a year, it is calculated at maturity as simple interest (i.e. at the end).

For a period longer than 6 months the amount is calculated every quarter, and taken as a principal for next quarter i.e. the amount is compounded quarterly.

Read: Union Bank of India Fixed Deposit interest rates

For 1-5 years of investment, the interest rate offered is same throughout which is 7.65 percent with an additional 0.50 percent for senior bank fd interest ratesFor investments over 5 years, the rates fall because of the uncertain repo rates. The bank has to keep this room for losses which may occur in future due to these declining rates.

Also Read: Vijaya Bank Fixed deposit interest rates

Table for HDFC Fixed deposit Interest rates (Domestic/NRO/NRE):

Interest Rate
(per annum)
Senior Citizen Rates
(per annum)
Interest Rate
(per annum)
Senior Citizen Rates
(per annum)
7 – 14 Days3.504.006.006.50
15 – 30 Days5.005.506.006.50
31 – 45 Days5.506.006.256.75
46 – 60 Days6.256.756.256.75
61 – 90 Days6.507.006.507.00
91 Days – 180 Days7.007.507.007.50
181 Days – 270 days7.257.757.257.75
271 Days – 1 year7.508.007.508.00
1 year7.508.007.508.00
1 Year – 2 Years7.508.007.508.00
2 Years – 3 Years7.508.007.508.00
3 Years – 5 Years7.508.007.508.00
5 Years – 8 Years7.508.007.257.75
8 Years – 10 Years7.257.757.257.75

Table Updated: 5 April, 2016

Calculate maturity value now

From Table, you can observe that HDFC provides higher fd rates for higher period fixed deposits.

Important Notes:

  • 1% penalty will be charged for closing deposits before maturity time except 7-14 days deposits.
  • Additional .50% interest is available only for Indian resident senior citizens and retired personnel (60 years & above). These rates are not available for NRIs.
  • The Minimum time for earning the Fixed deposit interest on NRE Fixed Deposit is 1 year.

To get more details visitors are advised to visit official website for HDFC FD details. check out @


  1. i want to do FD for 2 lakhs for a period of 2 months will i get my money back after 2 months with the interest rates mention in HDFC for FD.

    • I am senior citizen n want f d for a year or more than a year.what is the f d rate if interest accrued monthly/ quarterly amount of fd is almost 5 lacks.I also heard that yes bank is giving highest f d rate than any other bank including yours. can’t you increase rate parallel to that highest one? pl reply.

  2. As per above list interest rate for senior citizen for a period of 3 years in H D F C is 9.25% but I was told in the bank that I shall get 8.75% Pl clarify the same.

    • They revised their interest rates recently, check it now. Yes bank is right you will get around 8.75% interest rate.

  3. I am senior citizen n want to fix deposit near about Rs.40.0 Lac. Pl inform me prevailing rate of interest on monthly basis.

  4. I am sr. Citizen I want to keep 25 lacs in fix deposit for 2 yrs. And on FD i willing be taking over draft facility.How much interest will i have to pay on that ?

    • Hello sir I am a sr citizen and wanted to put my amount in your bank 1700000 can you inform what will I get after one year

  5. Hello sir I am a sr citizen and wanted to put my amount in your bank 1000000 can you inform what will I get after one year

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