About HDFC Bank fixed deposits
HDFC Bank, India's largest private sector bank with a market capitalization exceeding ₹13.5 lakh crore as of April 2026, offers fixed deposits rated CRISIL AAA — the highest credit rating signifying lowest default risk. According to HDFC Bank's latest quarterly results, the bank manages over ₹24 lakh crore in total deposits across 8,700+ branches in India.
HDFC Bank FDs are insured up to ₹5 lakh per depositor by DICGC (Deposit Insurance and Credit Guarantee Corporation), a subsidiary of the Reserve Bank of India. For deposits exceeding ₹5 lakh, the CRISIL AAA rating provides an additional layer of confidence — only 3 private banks in India hold this top rating.
Current rates for deposits below ₹3 crore: 1-year at 6.60%, 15 months at 7.10% (best short-term rate), 2-year at 7.00%, 3-year at 7.10%, 5-year at 7.00%. Senior citizens (60+) receive an additional 0.50% across all tenures. Interest is compounded quarterly.
HDFC FD rates April 2026
| Tenure | General rate | Senior rate (+0.5%) |
|---|---|---|
| 7-14 days | 3.00% | 3.50% |
| 6 months | 4.50% | 5.00% |
| 9 months | 6.25% | 6.75% |
| 1 year | 6.60% | 7.10% |
| 15 months | 7.10% | 7.60% |
| 2 years | 7.00% | 7.50% |
| 3 years | 7.10% | 7.60% |
| 5 years (80C) | 7.00% | 7.50% |
| 10 years | 7.00% | 7.50% |
Compare with Post Office FD
Post Office FDs offer government guarantee with no ₹5 lakh insurance cap.
Post Office FD Calculator →