HDFC FD Interest Rates 2026: Latest Returns, Schemes & Calculator
31 December 2025 ·
A complete guide to HDFC Bank Fixed Deposit (FD) interest rates in 2026 for retail investors, senior citizens, and NRIs.
Introduction to HDFC FD Interest Rates 2026
HDFC Bank Fixed Deposit (FD) Interest Rates 2026 offer investors a stable and predictable return option amid changing market conditions. With interest rates ranging between 3.00% and 7.05% per annum for regular investors and up to 7.55% per annum for senior citizens, HDFC FDs continue to be a preferred low-risk investment choice.
HDFC Bank provides FD tenures starting from 7 days up to 10 years, making it suitable for short-term parking of funds as well as long-term wealth preservation. Investors also benefit from flexible payout options, tax-saving FDs, and overdraft facilities.
Key Highlights of HDFC Bank Fixed Deposits (2026)
| Feature | Details |
|---|---|
| Tenure Range | 7 days to 10 years |
| Interest Rate (Public) | 3.00% – 7.05% p.a. |
| Interest Rate (Senior Citizens) | 3.50% – 7.55% p.a. |
| Minimum Deposit | ₹5,000 |
| Tax Saving FD | Eligible under Section 80C (5-year lock-in) |
| Premature Withdrawal Penalty | Up to 1% |
HDFC FD Interest Rates 2026 (Tenure-wise)
| Tenure | Interest Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
|---|---|---|
| 7 – 14 days | 3.00% | 3.50% |
| 30 – 45 days | 3.50% | 4.00% |
| 90 days – 6 months | 4.50% | 5.00% |
| 6 months 1 day – 9 months | 5.75% | 6.25% |
| 9 months 1 day – < 1 year | 6.00% | 6.50% |
| 15 months – < 18 months | 7.05% | 7.55% |
| 2 years 11 months – ≤ 3 years | 6.90% | 7.40% |
| 5 years 1 day – 10 years | 6.50% | 7.00% |
Highest HDFC FD Rates for 2026
Public Investors: 7.05% p.a.
Senior Citizens: 7.55% p.a.
Best Tenure: 15 months to under 21 months
Tax Saver FD (5 Years): Up to 7.55% p.a. for seniors
Types of HDFC Bank Fixed Deposit Schemes
| Scheme | Deposit Amount | Tenure | Key Features |
|---|---|---|---|
| Regular Fixed Deposit | ₹5,000 onwards | 7 days – 10 years | Flexible payout options, senior citizen benefit |
| Tax Saving FD | ₹100 – ₹1.5 lakh | 5 years | Section 80C benefit, lock-in period |
| Sure Cover FD | ₹2 – ₹10 lakh | 1 – 10 years | Life insurance cover + FD |
| FCNR FD | Currency-based | 1 – 5 years | Forex protection, tax-free in India |
Special Features & Benefits of HDFC Bank FD
Guaranteed and predictable returns
Quarterly compounding of interest
Extra 0.50% interest for senior citizens
Overdraft facility up to 90% of FD value
Nomination and auto-renewal options
Online FD booking via NetBanking & mobile app
Eligibility Criteria for HDFC Fixed Deposits
Resident Individuals
Hindu Undivided Families (HUFs)
Sole Proprietorships
Partnership Firms
Companies and Trusts
NRIs (via NRE, NRO, FCNR & RFC FDs)
Documents Required to Open an HDFC FD
PAN Card
Aadhaar Card / Passport / Driving License
Address Proof
Passport-size photograph
Entity-specific documents (for firms & HUFs)
Tax Benefits & TDS on HDFC Fixed Deposits
Tax Saver FD: Deduction up to ₹1.5 lakh under Section 80C
Interest Taxation: As per income tax slab
TDS:
₹40,000+ interest (₹50,000 for seniors) → 10%
No PAN → 20%
Submit Form 15G / 15H to avoid TDS if eligible
Premature Withdrawal Rules
Allowed for most FD schemes
Penalty up to 1% on applicable interest rate
Tax Saver FDs cannot be withdrawn before maturity
Overdraft & Loan Against HDFC FD
Loan amount: Up to 90% of FD value
Instant availability via NetBanking
Competitive interest rates
FD continues to earn interest
How to Open an HDFC Fixed Deposit
Online Method
Login to HDFC NetBanking
Go to Transact → Open Fixed Deposit
Select amount, tenure & payout
Confirm & submit
Offline Method
Visit nearest HDFC branch
Submit FD form with KYC documents
Should You Invest in HDFC FD in 2026?
HDFC FD interest rates in 2026 make it a strong choice for capital protection, predictable income, and short-to-medium-term goals. However, investors seeking higher post-tax returns may also consider high-quality bonds, debt funds, or alternative fixed-income options available on ultra.
FAQs on HDFC FD Interest Rates
Q1. What is the highest HDFC FD interest rate in 2026?
Up to 7.05% for public and 7.55% for senior citizens.
Q2. What is the minimum amount to open an HDFC FD?
₹5,000.
Q3. Are HDFC FD returns guaranteed?
Yes, FDs offer fixed and guaranteed returns.
Q4. Is interest earned on HDFC FD taxable?
Yes, except for tax-saving benefits under Section 80C.