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 a 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.

For 2-5 years of investment, the interest rate offered is same throughout which is 7.40 Percent with an additional 0.50 Percent for senior bank fd interest rates For 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. Below rates are applicable for 6 November 2018.

HDFC Fixed deposit Interest rates Feb 2019(Domestic/NRO/NRE):

Interest Rate
(per annum)
Senior Citizen Rates
(per annum)
Interest Rate
(per annum)
Senior Citizen Rates
(per annum)
7 Days to 14 Days 3.50% 4.00% 4.25% 4.75%
15 Days to 30 Days 4.25% 4.75% 4.25% 4.75%
31 Days to 45 Days 5.75% 6.25% 6.25% 6.75%
46 Days to 60 Days 6.25% 6.75% 6.50% 7.00%
61 Days to 90 Days 6.25% 6.75% 6.50% 7.00%
91 Days to 180 Days 6.25% 6.75% 6.75% 7.25%
181 Days to 270 Days 6.75% 7.25% 7.10% 7.60%
271 Days to 1 Year 7.10% 7.60% 7.35% 7.85%
1 Year 7.30% 7.80% 7.50% 8.00%
1 Year to 2 Years 7.30% 7.80% 7.50% 8.00%
2 Years to 3 Years 7.40% 7.90% 7.50% 8.00%
3 Years to 5 Years 7.25% 7.75% 7.35% 7.85%
5 Years to 8 Years 6.50% 7.00% 7.00% 7.50%
8 Years to 10 Years 6.50% 7.00% 7.00% 7.50%

Table Updated: 4 February  2019

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

Important Notes:

  • 1% penalty will be charged for closing deposits before maturity time except for 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.

HDFC Fixed Deposit Interest Calculator

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


  1. 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

  2. Dear sir. I want good interest rates for any products but safe for example FD so Please Inform in Any Idea.?

  3. hello sir i want to make fd for one year i want to know adout interest rates for senior citizen thank you

    • 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

  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 ?

  5. 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.

  6. 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.

  7. 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.

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