Bank FD Comparison Tool
Yes Bank vs HDFC Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Yes Bank (Private Sector) and HDFC Bank (Private Sector).
Yes Bank
Private Sector
VS
HDFC
Private Sector
Yes Bank: Min ₹10,000
HDFC: Min ₹5,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹10,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Yes Bank: % |HDFC: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Yes Bank
HDFC
Highlighted = Your selected tenure
Feature Comparison
Features | Yes Bank Private Sector | HDFC Private Sector |
|---|---|---|
Minimum FD Amount | ₹10,000 | ₹5,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Yes Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits less than ₹3 Crore
Interest compounded quarterly
Rates effective from December 1, 2023 (Less than INR 3 Cr)
HDFC Bank
Private Sector Bank
Key Advantages:
Digital banking leader
Quick loan processing
Premium customer service
Mobile banking excellence
Wide ATM network
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between Yes Bank (₹5L) + HDFC (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose Yes Bank If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Choose HDFC If:
- •Minimum amount: ₹5,000
- •Private Sector banking preference
- •Digital banking leader
- •Quick loan processing
- •Premium customer service
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
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Compare Yes Bank with other banks
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