HDFC BANK Revised Fixed Deposit Rates
In a move that aligns with the current shifting financial landscape, HDFC Bank has officially revised its interest rates for Fixed Deposits (FDs) on amounts below ₹3 crore. This change, which became effective on December 17, 2025, follows closely on the heels of the Reserve Bank of India’s (RBI) decision to reduce the repo rate by 25 basis points, bringing it down to 5.25%.
The adjustment by HDFC Bank follows a similar trend seen at the State Bank of India (SBI), as major lenders begin to recalibrate their deposit rates in response to the central bank’s policy easing.
Significant Changes for Short and Mid-Term Tenures
One of the most notable reductions impacts depositors looking at the 18-month to less than 21-month window. For this specific tenure, the bank has trimmed interest rates by 15 basis points.
Specifically, for general citizens, the rate has moved from 6.6% down to 6.45%. Senior citizens, who typically enjoy a higher premium, saw their rate for this period drop from 7.1% to 6.6%.
Detailed Breakdown of Current Interest Rates
The new rate structure offers a varied range of returns depending on how long you choose to lock in your funds:
Short-Term Deposits (Up to 1 Year)
For those requiring high liquidity, the rates start at 2.75% for very short durations of 7 to 29 days. This increases to 3.25% for tenures between 30 and 45 days. If you hold a deposit for 46 days up to 6 months, the rate stands at 4.25%. As you move into the latter half of the year, the returns improve to 5.50% for deposits between 6 and 9 months, and 5.75% for those held between 9 months and just under a year.
Mid-Term Deposits (1 Year to 3 Years)
The returns become more competitive as you cross the one-year mark. Deposits for 1 year to less than 15 months earn 6.25%, while the 15 to 18-month bracket offers 6.35%. The “sweet spot” for many investors will likely be the tenure spanning 18 months up to 3 years, which currently offers the peak rate of 6.45%.
Long-Term Deposits (3 Years to 10 Years)
For longer financial goals, the rates see a slight decline. Deposits ranging from 3 years and 1 day up to 5 years earn 6.40%. For the longest-term commitments those spanning 5 years and 1 day up to 10 years the interest rate is set at 6.15%.
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Disclaimer: This content is about intended solely for educational and informational purposes and should not be interpreted as financial or investment advice.