HDFC Bank offers Fixed-Deposit (FD) schemes that provide safety, security, and attractive returns to the general public, senior citizens and Non-residential Indians (NRIs). The interest rates range from 3.00% to 7.25% p.a., with a minimum deposit of Rs. 5000 and tenures ranging from 7 days to 10 years. Keep reading this blog to learn more about HDFC FD and its interest rates. 

Highlights for 2025 Fixed Deposit Scheme of HDFC Bank

2025 FD Interest Rates of HDFC Bank 

The table below contains the interest rates effective from 1st April 2025.

* Interest rates are subject to change from time to time.

Types of HDFC Bank Fixed Deposit Schemes

Special Features and Benefits of HDFC Bank FD

• The minimum deposit amount to open an FD account with HDFC Bank is Rs.500.
• The minimum deposit tenure is seven days, and the maximum tenure is 10 years.
• Attractive interest rates are offered for each FD scheme provided.
• Monthly and quarterly interest payout arrangements are available.
• Overdraft and nomination facilities are available.
• Resident Indians, non-resident Indians, and other entities can get the benefits of the schemes.
• Interest reinvestment facilities are available.
• Premature closure of the account is allowed for a few schemes subject to certain conditions and penalties.
• Senior citizens can avail additional interest rate over and above the interest rate offered for regular customers.
• Certain offers are available for customers that are valid for a specified period.

Eligibility for HDFC Bank Fixed Deposit

Investor should be one of the following to open a Fixed Deposit account in HDFC Bank.

• Residents
• Hindu Undivided Families (HUFs)
• Sole proprietorship firms
• Partnership firms
• Limited companies
• Trust accounts

Eligibility for Residence Foreign Currency FD

The Resident Foreign Currency (RFC) Fixed Deposit is designed for NRIs who have returned to India, offering a secure way to manage their foreign currency earnings. Key details of Eligibility criteria are:

• NRIs who returned to India on or after 18th April 1992
• Depositors who were resident outside India for a continuous period of at least 1 year prior to their return
• Depositors who have permanently settled in India since their return

Documents Required for HDFC Bank Fixed Deposit

Mandatory Proofs:

• Recent photograph
• KYC documents

Individual and Company Proofs:

• PAN card
• Aadhaar Card
• Passport
• Driving License
• Voter’s ID

Partnership Proofs:

• Incorporating certificate
• Authorised signatories ID proofs
• Partnership Deed
• Authorised signatories’ signatures

For Hindu Undivided Families:

• Self-attested PAN card
• HUF declaration deed
• HUF’s bank statement

Tax Benefits on HDFC Bank Fixed Deposit

You can claim a deduction of up to Rs1,50,000 under Section 80C of the Income Tax Act by investing in  HDFC Bank Fixed Deposits (FD). Keep in mind that these Tax Saver FD have a mandatory lock-in period of 5 years. Key highlights of the tax implications include:

• Tax Benefits:
  • No tax benefits for regular FDs
  • Tax Saver Fixed Deposit allows a deduction of up to ₹1,50,000 under Section 80C
  • Mandatory 5-year lock-in period for Tax Saver FDs
• Interest Income Taxation:
  • Interest earned from any HDFC Bank FD is taxable as per your income tax slab
  • If interest income exceeds ₹40,000 per year (₹50,000 for senior citizens), a 10% Tax Deducted at Source (TDS) is applied
  • If PAN Card details are not provided, the TDS rate increases to 20%

FD Interest Rate Calculator

Now, you can easily calculate the returns of your HDFC Bank Fixed Deposit by visiting our easy-to-use FD calculator. It provides the maturity amount with a break-up of invested amount and interest earned. It is an easy to use online tool, and you can check multiple results by changing the inputs in calculator. 

How to open HDFC Bank Fixed Deposit Account

You can open a Fixed Deposit account with HDFC Bank both online and offline.

Steps for Online Process:

Step 1: Visit HDFC Bank’s official net banking website.
Step 2: Log in to your NetBanking account using your Customer ID and password.
Step 3: Go to the ‘TRANSACT’ section and select ‘Open Fixed Deposits’.
Step 4: Enter the desired deposit amount and tenure.
Step 5: Nominate a beneficiary by providing the required details.
Step 6: Click ‘Continue’ and confirm your details to complete the process.

Your bank account will be debited, and your fixed deposit receipt will be available for download instantly.

Steps for Offline Process:

Step 1: Visit your nearest HDFC Bank branch.
Step 2: Request a Fixed Deposit (FD) application form from the bank staff.
Step 3: Fill in the required details, including the deposit amount, tenure, and nominee information.
Step 4: Attach the necessary KYC documents, such as a copy of your PAN card and address proof.
Step 5: Deposit the FD amount through cash, cheque, or demand draft as per your preference.
Step 6: Submit the completed application form along with the KYC documents and payment slip to the bank representative.

You will receive your fixed deposit receipt instantly after submitting the documents.

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