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You are here: Personal Banking > Accounts & Deposits > Regular FD > Interest Rates         Hindi Version         Marathi Version

Regular FD
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Regular FD
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Interest Rates
When you open a Fixed deposit with HDFC Bank
Your interest is calculated on a quarterly basis for deposits of 6 months and above
For those deposits with a tenure of below 6 months, your interest is calculated at maturity as Simple Interest. The period of Fixed Deposit is calculated in number of days.
Interest for re-investment is calculated every quarter, and the Principal is increased to include interest earned during the previous quarter.
Tax at source is deducted as per the Income Tax regulations prevalent from time to time.
Note: Interest rates are subject to change from time to time. Applicable interest rates will be given as on the date / time of receipt of the funds by the bank. When booking FD through NetBanking please note the actual interest rate being applied on the "Confirm" screen. This screen appears before you confirm your request for opening a new FD. In order to see the latest information, we request you to clear your browsers cache to see the updated interest rates.
DOMESTIC TERM DEPOSITS
 
Deposits Below Rs.15 Lacs Deposits of Rs.15 Lacs to less than Rs. 1 Cr
For Deposits Below Rs.15 Lacs
Period Interest Rate (per annum) **Senior Citizen Rates (per annum) Effective From
7 - 14 days 3.00%
 3.50%
 Jul 30, 2010
15 - 29 days 3.00%
 3.50%
 Jul 30, 2010
30 - 45 days 3.75%
 4.25%
 Jul 30, 2010
46 - 60 days 3.75%
 4.25%
 Jul 30, 2010
61 - 90 days 4.50%
 5.00%
 Jul 30, 2010
91 Days to less than 6 months 1 day 5.25%
 5.75%
 Jul 30, 2010
6 months 1 day - 6 months 15 days 5.75%
 6.25%
 Jul 30, 2010
6 months 16 days 5.75% 6.25%
 Jul 30, 2010
6 months 17 days - 9 months 15 days 5.75%
 6.25%
 Jul 30, 2010
9 months 16 days 6.50%
 7.00%
 Jul 30, 2010
9 months 17 days - 1 year 6.25%
 6.75%
 Jul 30, 2010
1 year 1 day - 1 year 15 days 6.50%
 7.00%
 February 19,2010
1 year 16 days 7.00%
 7.50%
 Jul 30, 2010
1 year 17 days - 2 years 6.50%
 7.00%
 February 19,2010
2 years 1 day - 2 years 15 days 7.00%
 7.50%
 February 19,2010
2 years 16 days 7.50%
 8.00%
 Jul 30, 2010
2 years 17 days - 3 years 7.00%
 7.50%
 February 19,2010
3 years 1 day - 5 years 7.50%
 8.00%
 February 19,2010
5 years 1 day - 8 years 7.50%
 8.00%
 February 19,2010
8 Year 1 Day - 10 Years
 7.50%
 8.00%
 February 19,2010


For Deposits of Rs.15 Lacs to less than Rs. 1 Cr
Period Interest Rate (per annum) **Senior Citizen Rates (per annum) Effective From
7 - 14 days 3.00.%
 3.50%
 Jul 30, 2010
15 - 29 days 3.00.% 3.50% Jul 30, 2010
30 - 45 days 3.75%
 4.25%
 Jul 30, 2010
46 - 60 days 3.75% 4.25% Jul 30, 2010
61 - 90 days 4.50%
 5.00%
 Jul 30, 2010
91 Days to less than 6 months 1 day 5.25%
 5.75%
 Jul 30, 2010
6 months 1 day - 6 months 15 days 5.75%
 6.25%
 Jul 30, 2010
6 months 16 days 5.75% 6.25%
 Jul 30, 2010
6 months 17 days - 9 months 15 days 5.75%
 6.25%
 Jul 30, 2010
9 months 16 days 6.50%
 7.00%
 Jul 30, 2010
9 months 17 days - 1 year 6.25%
 6.75%
 Jul 30, 2010
1 year 1 day - 1 year 15 days 6.50%
 7.00%
 February 19,2010
1 year 16 days 7.00%
 7.50%
 Jul 30, 2010
1 year 17 days - 2 years 6.50%
 7.00%
 February 19,2010
2 years 1 day - 2 years 15 days 7.00%
 7.50%
 February 19,2010
2 years 16 days 7.50%
 8.00%
 Jul 30, 2010
2 years 17 days - 3 years 7.00%
 7.50%
 February 19,2010
3 years 1 day - 5 years 7.50%
 8.00%
 February 19,2010
5 years 1 day - 8 years 7.50%
 8.00%
 February 19,2010
8 Year 1 Day - 10 Years
 7.50%
 8.00%
 February 19,2010
Interest rates are subject to change from time to time. Applicable interest rates will be given as on the date of receipt of the funds by the bank. When booking FD through NetBanking please note the actual interest rate being applied on the "Confirm" screen. This screen appears before you confirm your request for opening a new FD.
  ** Only Senior Citizens / Retired Personnel (60 years and above) who are Resident Indians are eligible. The special rates are applicable only for INR deposits.
  *** The FD rate applicable for a monthly interest option will be a discounted rate over the standard FD Rate. Please contact the nearest Branch for further information.
  ****For interest rates on Fixed Deposits for Rs. 1 Cr and above, please contact your nearest HDFC Bank branch.
Effective 01st Dec'06, the interest rate applicable for premature closure of deposits (all amounts) will be lower of :
                      The base rate for the original/contracted tenure for which                          the deposit has been booked OR
                      The base rate applicable for the tenure for which the                        deposit has been in force with the Bank.
     The base rate is the rate applicable to deposits of less than Rs.15 lacs as on the date of booking the deposit.
The Fixed Deposit Advice will be dispatched to your recorded mailing address within 3-4 working days of account opening.
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