HDFC Bank
fixed deposit rates

Today HDFC Bank offers 6.25% on a 1-year FD for retail deposits below ₹3 crore. The full slab structure is below — 19 brackets covering 7 days to 10 years.

Live · updated Tue, 25 August 2026·Private Bank·Private sector

1-year rate

6.25%

Retail (< ₹3 cr)

5-year rate

6.40%

Retail (< ₹3 cr)

Best rate

6.50%

3 years 1 day – less than 4 years 7 months

Slabs published

7 d – 10 yr

Rate × tenor

The full curve

19 slabs · retail

Compare with up to 2 banks

1 / 3

HDFC Bank

This page

HDFC Bank (< ₹3 cr)Best rateSingle-day special

Tenor	Bucket	Rate · retail
7 – 14 days	Short	2.75%
15 – 29 days	Short	2.75%
30 – 45 days	Medium	3.25%
46 – 60 days	Medium	4.25%
61 – 89 days	Medium	4.25%
90 days – 6 months	Medium	4.25%
6 months 1 day – 9 months	Medium	5.50%
9 months 1 day – less than 1 year	Medium	5.75%
1 year – less than 15 months	Long	6.25%
15 months – less than 18 months	Long	6.35%
18 months – less than 21 months	Long	6.45%
21 months – 2 years	Long	6.45%
2 years 1 day – less than 2 years 11 months	Long	6.45%
2 years 11 months (35 months)	Long	6.45%
2 years 11 months 1 day – 3 years	Long	6.45%
3 years 1 day – less than 4 years 7 months	Long	6.50%★ Best
4 years 7 months (55 months)	Long	6.40%
4 years 7 months 1 day – 5 years	Ultra-long	6.40%
5 years 1 day – 10 years	Ultra-long	6.15%

Bulk deposits

Same bank, ≥ ₹3 crore

15 slabs · bulk

Tenor	Rate · bulk
7 – 14 days	3.50%
15 – 29 days	3.50%
30 – 45 days	4.75%
46 – 60 days	5.00%
61 – 89 days	5.25%
90 days – 6 months	5.50%
6 months 1 day – 9 months	5.75%
9 months 1 day – less than 1 year	6.00%
1 year – less than 15 months	6.25%
15 months – less than 18 months	6.25%
18 months – less than 21 months	6.40%
21 months – 2 years	6.40%
2 years 1 day – 3 years	6.25%
3 years 1 day – 5 years	6.35%
5 years 1 day – 10 years	6.15%

Rate over time

How HDFC Bank's rate has moved

Last 12 months

Tenor

Net change · 115d

0 bps

Capera tracks this bank daily. Tenors that don't appear above don't yet have enough snapshots to plot — they'll fill in as days accumulate.

In context

How HDFC Bank compares.

Vs Pvt average

6.53%

-28 bps below

Vs PSU average

6.24%

+1 bps above

Vs SFB average

6.63%

-38 bps below

On a 1-year FD, HDFC Bank ranks #9 of 10 Pvt Banks we track. Its rate is -28 bps below the Pvt average.

See full Pvt Banks leaderboard

Have a question?

Ask Capera anything about these rates.

Tax treatment, bulk-deposit pricing, custom comparisons, where to actually park ₹3 crore. Write to us and a person will reply.

Or email hello@capera.co directly.

Take it with you

Frequently asked

About HDFC Bank FDs.

Other banks

Top peers by 1-year rate

See all 39

See all 39 banks

Head-to-head

Compare HDFC Bank with…

vs State Bank of India

FD rates · side by side

vs ICICI Bank

FD rates · side by side

vs Axis Bank

FD rates · side by side

vs Kotak Mahindra Bank

FD rates · side by side

HDFC Bank · the other side

See HDFC Bank loan rates

Current EBLR 7.75% · MCLR term structure · revision history

All loan rates

Compare lending rates across banks

EBLR & MCLR for 15 banks, benchmarked against the RBI repo rate

HDFC Bank · forex side

See HDFC Bank forex rates

Today's USD, EUR, GBP, AED card rates · TT, bills, travel card, cash

Compare bank FX rates

All 20 banks · ranked by spread

Same trade can cost 10× more at the widest bank — see today's cohort

Higher-yield alternative

Bonds you can buy right now

An FD is safe and fixed. These are bonds India's platforms are selling today, led by AAA and AA names for the safety you came for, with a couple of higher-yield options (the shelf runs up to 14.00%). We don't sell bonds; we show you everyone's price.