HDFC Bank Interest Rates & Calculators
Complete guide to HDFC Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
Best FD Rate
7.1% p.a.
Home Loan
From 8%
HDFC Bank FD Rates Overview
HDFC Bank currently offers fixed deposit interest rates of up to 6.5% p.a. for the general public, and 7.1% for senior citizens. The full slab-wise HDFC Bank rate table is below — use the FD and RD calculators to compute your exact maturity amount.
Calculators & Simulators
HDFC Bank Planning & Calculators
Verified rates & instant amortization schedules for deposits, loans, and cards.
Deposits & Savings2 tools
Loans & Borrowing6 tools
HDFC Bank Home Loan EMI
Amortization & monthly EMI schedule
From 8% p.a.
HDFC Bank Personal Loan
Collateral-free flexible financing
From 9.99%
HDFC Bank Car Loan EMI
New passenger vehicle financing
From 7.6% p.a.
HDFC Bank Used Car Loan
Certified pre-owned vehicle EMI
From 9.5% p.a.
HDFC Bank Two Wheeler Loan
Bike & scooter loan EMI
From 14.5% p.a.
HDFC Bank Gold Loan EMI
Instant 18K/22K jewelry liquidity
From 9% p.a.
Credit Cards & Privileges1 tool
Latest HDFC Bank Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Fixed Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 - 14 days | 2.75% | 3.25% |
15-29 days | 2.75% | 3.25% |
30-45 days | 3.25% | 3.75% |
46-60 days | 4.25% | 4.75% |
61-89 days | 4.25% | 4.75% |
90 days <= 6 months | 4.25% | 4.75% |
6 months 1 day <=9 months | 5.5% | 6% |
9 months 1 day to < 1 Year | 5.75% | 6.25% |
1 Year to < 15 months | 6.25% | 6.75% |
15 months to < 18 months | 6.35% | 6.85% |
18 months to < 21 months | 6.45% | 6.95% |
21 months to 2 years | 6.45% | 6.95% |
2 Years 1 day to < 2 Year 11 Months | 6.45% | 6.95% |
2 Years 11 Months (35 months) | 6.45% | 6.95% |
2 Years 11 Months 1 day <= 3 Year | 6.45% | 6.95% |
3 Years 1 day to < 4 Years 7 MonthsHighest Yield | 6.5% | 7.1% |
4 Year 7 Months (55 months) | 6.4% | 6.9% |
4 Year 7 Months 1 day <=5 Years | 6.4% | 6.9% |
5 Years 1 day to 10 Years | 6.15% | 6.65% |
Recurring Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
6 Months | 4.25% | 4.75% |
9 Months | 5.5% | 6% |
12 Months | 6.25% | 6.75% |
15 Months | 6.35% | 6.85% |
18 Months to 36 Months | 6.45% | 6.95% |
39 Months to 54 MonthsHighest Yield | 6.5% | 7.1% |
57 Months to 60 Months | 6.4% | 6.9% |
63 Months to 120 Months | 6.15% | 6.65% |
Loan Interest Rates
Verified loan interest rates and processing fees across retail borrowing categories.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
| 8% | 13.45% | Up to 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes. Minimum Retention Amount: 50% of applicable fees or ₹3,000 + applicable taxes whichever is higher. | |
| 9.99% | 24% | Up to Rs. 6,500 + GST | |
Car LoanLowest Starting Rate | 7.6% | 14% | Up to 0.5% of loan amount, min Rs. 3,500, max Rs. 8,000 |
| 9% | 19% | Maximum 1% of disbursal amount + applicable taxes |
Official Card Registry (2026)
HDFC Bank Credit Cards (28)
Select any card to explore full rewards, airport lounge access & application benefits.
HDFC Infinia Metal Edition Credit Card
super-premium₹12,500/yr3.33 Pts / ₹100
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HDFC Diners Club Black Metal Edition Credit Card
super-premium₹10,000/yr3.33 Pts / ₹100
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Marriott Bonvoy HDFC Bank Credit Card
premium₹3,000/yr1.33 Pts / ₹100
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HDFC Regalia Gold Credit Card
premium₹2,500/yr2.5 Pts / ₹100
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Shoppers Stop Black HDFC Bank Credit Card
mid₹4,500/yr2 Pts / ₹100
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Tata Neu Infinity HDFC Bank Credit Card
mid₹1,499/yr1.5% Cashback
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HDFC Diners Club Privilege Credit Card
mid₹1,000/yr2 Pts / ₹100
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Paytm HDFC Bank Select Credit Card
mid₹1,000/yr1.25% Cashback
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Swiggy BLCK HDFC Bank Credit Card
mid₹1,000/yr1% Cashback
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PhonePe HDFC Bank Ultimo Credit Card
mid₹999/yr1 Pts / ₹100
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HDFC PIXEL Play Credit Card
midLifetime Free1% Cashback
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HDFC Millennia Credit Card
entry₹1,000/yr1% Cashback
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HDFC Bank PIXEL Times Credit Card (Rush Variant)
entry₹1,000/yr1 Pts / ₹100
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Swiggy HDFC Bank Credit Card
entry₹500/yr1% Cashback
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HDFC MoneyBack+ Credit Card
entry₹500/yr1 Pts / ₹100
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HDFC Freedom Credit Card
entry₹500/yr0.5 Pts / ₹100
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IndianOil HDFC Bank Credit Card
entry₹500/yr0.32 Pts / ₹100
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Paytm HDFC Bank Credit Card
entry₹500/yr1% Cashback
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IRCTC HDFC Bank Credit Card
entry₹500/yr1 Pts / ₹100
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Swiggy Ornge HDFC Bank Credit Card
entry₹500/yr1% Cashback
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HDFC Bank PIXEL Times Credit Card (Move Variant)
entry₹500/yr1 Pts / ₹100
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Tata Neu Plus HDFC Bank Credit Card
entry₹499/yr1 Pts / ₹100
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PhonePe HDFC Bank Uno Credit Card
entry₹499/yr1 Pts / ₹100
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Shoppers Stop HDFC Bank Credit Card
entry₹299/yr1.33 Pts / ₹100
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HDFC Bank Pixel Go Credit Card
entry₹250/yr1% Cashback
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Paytm HDFC Bank Mobile Credit Card
entry₹149/yr0.5% Cashback
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Paytm HDFC Bank Digital Credit Card
entry₹149/yr1% Cashback
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HDFC Bank UPI RuPay Credit Card
entry₹99/yr1 Pts / ₹100
View Card Details
Why Choose HDFC Bank?
Key benefits and features of banking with HDFC Bank.
Competitive Rates
Up to 7.1% returns on deposits with attractive rates across short & long tenures.
Bank Security
RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Best FD Rate: 7.1% for Senior Citizens
General Rate: 6.5% for all citizens
Min FD Amount: ₹5K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 8%
Personal Loan: From 9.99%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹50,000 per annum (₹1,00,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
Digital banking leader
Quick loan processing
Premium customer service
Mobile banking excellence
Wide ATM network
FD rates (resident, < ₹3 crore) effective March 6, 2026 base ladder, with 3yr1d-4yr7mo senior rate raised to 7.10% effective 19 Aug 2026
RD rates effective from Jun 10, 2025 (18mo tenure from Dec 17, 2025; 39-54mo tenure raised to 6.50%/7.10% senior effective Aug 19, 2026)
Interest rates last updated: Aug 2026
Verify on HDFC Bank Official WebsiteMarket Comparison
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
