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HDFC BankRecurring deposit

HDFC Bank Recurring Deposit

A monthly savings deposit with tenure-specific rates, quarterly compounding and first-party per-tenure effective dates rather than one evergreen headline rate.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
Instalment / tenureMonthly instalments start from ₹1,000 under the reviewed product material; available tenures extend from 6 months to 10 years, with NRE minimum-tenure rules differing.
Missed instalments / premature closureThe instalment amount cannot be changed after booking; overdue instalments and premature closure can reduce realised returns or attract the bank's current penalty rules.
Contracted rate / booking conditionThe contracted rate is set by the tenure and customer category when the RD is booked; the current table uses different effective dates for different tenure rows.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 9, 2026.

Critical decision facts

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.

01 · Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
02 · Instalment / tenureMonthly instalments start from ₹1,000 under the reviewed product material; available tenures extend from 6 months to 10 years, with NRE minimum-tenure rules differing.
03 · Missed instalments / premature closureThe instalment amount cannot be changed after booking; overdue instalments and premature closure can reduce realised returns or attract the bank's current penalty rules.
04 · Contracted rate / booking conditionThe contracted rate is set by the tenure and customer category when the RD is booked; the current table uses different effective dates for different tenure rows.
Exact product-type evidence

Recurring 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.

Comparable tenure points

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.

Research matrix: Tenure; General; Eligible senior
TenureGeneralEligible senior
6 months4.25%4.75%
9 months5.50%6.00%
1 year6.25%6.75%
15 months6.35%6.85%
18 months6.45%6.95%
2 years6.45%6.95%
3 years6.45%6.95%
4 years6.50%7.00%
5 years6.40%6.90%

Rate basis: HDFC recurring-deposit tenure table; individual tenure rows carry their own effective dates, with the latest reviewed change among highlighted tenures on 6 March 2026. · Effective/reference date: March 6, 2026

Rate history

Dated deposit-rate snapshots.

Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.

Observed September 9, 2026
Current RD tenure table has mixed effective dates; latest highlighted tenure change reviewed is 6 Mar 2026. Key anchors: 6m 4.25%, 12m 6.25%, 18–36m 6.45%, 39–54m 6.50%.

HDFC recurring-deposit tenure table; individual tenure rows carry their own effective dates, with the latest reviewed change among highlighted tenures on 6 March 2026.

Browse deposit rate history
Maintained terms

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.

Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
Instalment / tenureMonthly instalments start from ₹1,000 under the reviewed product material; available tenures extend from 6 months to 10 years, with NRE minimum-tenure rules differing.
Compounding / deposit featuresInterest is calculated from each instalment date using Actual/Actual quarterly compounding; standing-instruction funding and loan facilities are available under current terms.
Missed instalments / premature closureThe instalment amount cannot be changed after booking; overdue instalments and premature closure can reduce realised returns or attract the bank's current penalty rules.
EligibilityEligible resident/NRO/NRE customers subject to HDFC Bank deposit KYC and customer-category rules; senior rates apply only where the current table allows them.
Contracted rate / booking conditionThe contracted rate is set by the tenure and customer category when the RD is booked; the current table uses different effective dates for different tenure rows.
Fit & cautions

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.

Potential fit

HDFC customers who want disciplined monthly saving and can choose a tenure using the bank's dated RD rate table rather than a generic advertised maximum.

Verify before relying
  • HDFC publishes different effective dates for different RD tenure rows, so one date should not be read as applying to the whole table.
  • Senior-citizen rates do not apply to every depositor type.
  • Premature closure and delayed instalments can reduce realised return.
Maintained comparisons

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.

Browse banking comparisons
First-party source ledger

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.

01
Primary product / service sourcewww.hdfc.bank.in
Open source ↗02
Additional first-party evidencewww.hdfc.bank.in
Open source ↗03
Additional first-party evidencewww.hdfc.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.