HDFC Bank has reduced interest rates on fixed deposits (FDs)
HDFC Bank: HDFC Bank, the country’s largest private sector bank, has delivered a blow to its millions of customers. Following the RBI’s reduction in the repo rate, most banks have started lowering interest rates on fixed deposits (FDs). Just on December 15th, the country’s largest public sector bank, SBI, reduced its FD interest rates. Now, HDFC Bank has followed suit, lowering its FD interest rates by up to 0.25 percent. The new rates for HDFC Bank came into effect today, December 17, 2025.
HDFC Bank FD interest rates for deposits up to ₹3 crore:
7 days to 14 days: For general public – 2.75 percent; For senior citizens – 3.25 percent
15 to 29 days: For the general public – 2.75 percent; for senior citizens – 3.25 percent
30 to 45 days: For the general public – 3.25 percent; for senior citizens – 3.75 percent
46 to 60 days: For the general public – 4.25 percent; for senior citizens – 4.75 percent
61 to 89 days: For the general public – 4.25 percent; for senior citizens – 4.75 percent
90 days to 6 months: For general public – 4.25 percent; For senior citizens – 4.75 percent
6 months 1 day to less than 9 months: For general public – 5.50 percent; For senior citizens – 6 percent
9 months 1 day to less than 1 year: For general public – 5.75 percent; For senior citizens – 6.25 percent
1 year to less than 15 months: For general public – 6.25 percent; For senior citizens – 6.75 percent
15 months to less than 18 months: For general public – 6.35 percent; For senior citizens – 6.85 percent
18 months 1 day to less than 21 months: For general public – 6.45 percent; For senior citizens – 6.95 percent
21 months to 2 years: For general public – 6.45 percent; For senior citizens – 6.95 percent
2 years 1 day to less than 2 years 11 months: For general public – 6.45 percent; For senior citizens – 6.95 percent
2 years 11 months 1 day to 35 months – 6.45 percent; for Senior Citizens – 6.95 percent
2 years 11 months 1 day to 3 years – 6.45 percent; for Senior Citizens – 6.95 percent
3 years 1 day to 4 years 7 months – 6.40 percent; for Senior Citizens – 6.90 percent
4 years 7 months to 55 months – 6.40 percent; for Senior Citizens – 6.90 percent
4 years 7 months 1 day to less than 5 years: for General Public – 6.40 percent; for Senior Citizens – 6.90 percent
5 years to 10 years: for General Public – 6.15 percent; for Senior Citizens – 6.65 percent
