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HDFC Fixed Deposit (FD) Rates 2021

Updated on July 26, 2021 , 7392 views

HDFC Bank is one of the largest private sector lenders on the Basis of assets. HDFC offers a Savings Account, fixed deposit and current deposit services to customers in order to increase their investments in a short time or a specific time. The FD option offered by HDFC Bank is particularly designed for customers to help them enjoy the extra money in a specific time period. HDFC Bank FD rates are subject to changes from time, depending upon the bank’s terms and conditions.

HDFC-Bank

HDFC Fixed Deposit Rates (Below INR 1 crore)

Here's the list of HDFC FD Interest Rates applicable for deposits of below INR 1 crore.

Fixed deposit interest rates-

Tenure FD Interest Rates(p.a.)
7 days to 14 days 2.50%
15 days to 29 days 2.50%
30 days to 45 days 3.00%
46 days to 60 days 3.00%
61 days to 90 days 3.00%
91 days to 6 months 3.50%
6 months 1 day to 9 months 4.40%
9 months 1 day to less than 1 year 4.40%
1 year 4.90%
1 year 1 day to 2 years 4.90%
2 years 1 day to 3 years 5.15%
3 years 1 day to 5 years 5.30%
5 years 1 day to 10 years 5.50%

Figures mentioned in the above table are subject to change without prior information.

HDFC Senior Citizen FD Rates (Below INR 1 crore)

Tenure Senior Citizen FD Rates(p.a.)
7 days to 14 days 3.00%
15 days to 29 days 3.00%
30 days to 45 days 3.50%
46 days to 60 days 3.50%
61 days to 90 days 3.50%
91 days to 6 months 4.00%
6 months 1 day to 9 months 4.90%
9 months 1 day to less than 1 year 4.90%
1 year 5.40%
1 year 1 day to 2 years 5.40%
2 years 1 day to 3 years 5.65%
3 years 1 day to 5 years 5.80%
5 years 1 day to 10 years 6.25%

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Types of FDs offered by HDFC Bank

  • Regular Fixed Deposit
  • Sweep-in Fixed Deposit
  • Overdraft FD or Super Saver FD
  • 5 Year tax saver FD

HDFC Fixed Deposit (FD)– Premature Withdrawal

For such premature withdrawals, including sweep-ins and partial withdrawals, the Bank will levy a penalty of 1%, on the applicable rate. However, penalty for premature withdrawal will not be applicable for FDs booked for a tenor of 7-14 days.

Investors Looking for Alternative to Banks Savings Account in Mutual Funds

Investors who are thinking of parking their money for the short term, you can also consider liquid Mutual Funds. Liquid Funds are an ideal alternative to FDs as they invest in low-risk debt and money market securities.

Here are some features of liquid funds you should know:

  • These funds come with no lock-in period
  • The money is invested in money Market instruments like a certificate of deposits, commercial papers, treasury bills, and term deposits
  • You can exit from the scheme anytime you want. Also, the funds have no entry load and exit loads
  • The Underlying assets have low maturity period and provide you low-interest rates
  • Most times, you may also get returns higher than bank savings account

Best Liquid Funds to Invest 2021

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2020 (%)
JM Liquid Fund Growth ₹56.4725
↑ 0.01
₹1,3520.30.81.63.25.25.94
PGIM India Insta Cash Fund Growth ₹269.093
↑ 0.03
₹6450.30.81.63.25.364.2
Principal Cash Management Fund Growth ₹1,825.15
↑ 0.16
₹1620.30.81.63.11.93.93.8
Indiabulls Liquid Fund Growth ₹2,008.79
↑ 0.17
₹1260.20.71.63.15.15.93.9
Baroda Pioneer Liquid Fund Growth ₹2,375.99
↑ 0.22
₹4,6290.30.81.73.25.35.94.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 21

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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