HDFC Bank Five-Year Tax Saving Fixed Deposit
HDFC Bank’s resident five-year tax-saving FD with a fixed statutory lock-in, ₹5,000 minimum, ₹1.5 lakh financial-year cap and monthly, quarterly or reinvestment-style interest choices under current terms.
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 |
|---|---|---|
| 5 years | 6.40% | 6.90% |
Rate basis: HDFC tax-saver fee page says the product uses the prevailing five-year deposit rate; HDFC domestic <₹3Cr table effective 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.
HDFC tax-saver fee page says the product uses the prevailing five-year deposit rate; HDFC domestic <₹3Cr table effective 19 August 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.
Eligible resident individuals or HUFs using a deduction-eligible tax regime who want a large-bank five-year locked deposit and can accept taxable interest plus no normal liquidity during the lock-in.
- The deduction is part of the aggregate ₹1.5 lakh Section 123 / Schedule XV framework and is not available under the new concessional tax regime under Section 202; individual tax circumstances can differ.
- The deposit deduction and the taxation of FD interest are separate: interest can be taxable/TDS-applicable.
- From 1 April 2026, current tax-year references should use Section 123 read with Schedule XV of the Income-tax Act, 2025; some bank product copy still uses the legacy Section 80C label.
- A current regular five-year rate should not be confused with HDFC’s 5-years-1-day-to-10-years bucket.
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.