HDFC Bank Fixed Deposit
HDFC Bank's retail fixed-deposit range below ₹3 crore, with a first-party Domestic/NRO/NRE rate table applicable from 19 August 2026, tenure-based resident senior-citizen premiums and payout/reinvestment choices.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 10, 2026.
Rate, tenure, liquidity and booking conditions belong together.
A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.
Fixed deposit evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Rate anchors you can compare without reading a headline maximum.
Only tenure points directly represented by the reviewed bank schedule are stored. We do not interpolate a rate between published bands.
| Tenure | General | Eligible senior |
|---|---|---|
| 1 year | 6.25% | 6.75% |
| 15 months | 6.35% | 6.85% |
| 18 months | 6.45% | 6.95% |
| 2 years | 6.45% | 6.95% |
| 3 years | 6.45% | 6.95% |
| 4 years | 6.50% | 7.10% |
| 5 years | 6.40% | 6.90% |
Rate basis: HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026. · Effective/reference date: August 19, 2026
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
Across the comparable stored tenure anchors, the general-customer rate is unchanged from the previous preserved schedule.
HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026.
HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 6 March 2026.
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
Savers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
- Fixed-deposit rates change independently of this profile, so the effective-date table matters more than a static 'up to' figure.
- Senior-citizen rates do not apply to every depositor type, including NRIs under the reviewed table.
- Premature withdrawal can materially change realised return.
Links the bank explicitly documents.
This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.
HDFC Bank Credit Card Against Fixed Deposit
HDFC Bank explicitly states its Credit Card Against Fixed Deposit is secured by an eligible HDFC fixed deposit; the reviewed route requires at least ₹15,000 and can provide a credit limit up to 90% of the FD amount.
Not every HDFC FD qualifies: the current page excludes Tax Saver, NRI, minor, existing-lien, sweep-in and non-withdrawable FDs and requires at least a 1-year eligible tenure.Verify relationship at bank ↗Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.