HDFC Fixed Deposit (FD) Rates 2026

Updated on January 26, 2026 , 18093 views

HDFC Bank is one of the largest private sector lenders on the basis of assets. It 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 Fixed Deposit Rates

Here's the list of HDFC FD Interest Rates applicable for deposits below INR 2 crore.

w.e.f - 24.01.2023

Tenure	Regular FD Rates(p.a.)
7 - 14 days	3.00%
15 - 29 days	3.00%
30 - 45 days	3.50%
46 - 60 days	4.50%
61 - 89 days	4.50%
90 days < = 6 months	4.50%
6 months 1 days <= 9 months	5.75%
9 months 1 day to < 1 year	6.00%
1 year to < 15 months	6.60%
15 months to < 18 months	7.00%
18 months to < 21 months	7.00%
21 months - 2 years	7.00%
2 years 1 day - 3 years	7.00%
3 year 1 day to - 5 years	7.00%
5 year 1 day - 10 years	7.00%

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

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HDFC Senior Citizen FD Rates

Here's the list of senior citizen FD interest rates applicable for deposits below INR 2 crore.

w.e.f - 24.01.2023

Tenure	Senior Citizen FD Rates(p.a.)
7 - 14 days	3.50%
15 - 29 days	3.50%
30 - 45 days	4.00%
46 - 60 days	5.00%
61 - 89 days	5.00%
90 days < = 6 months	5.00%
6 months 1 days <= 9 months	6.25%
9 months 1 day to < 1 year	6.50%
1 year to < 15 months	7.10%
15 months to < 18 months	7.50%
18 months to < 21 months	7.50%
21 months - 2 years	7.50%
2 years 1 day - 3 years	7.50%
3 year 1 day to - 5 years	7.50%
5 year 1 day - 10 years	7.75%

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.

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

Fund Selection Methodology used to find 10 funds

Category: Debt
Sub-category: Liquid%20Fund
Sorted On : drat (high to low)
Tags: fcpro
No Of Funds: 10

Best Liquid Funds to Invest 2026

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Indiabulls Liquid Fund Growth	₹2,609.37 ↑ 0.35	₹165	0.5	1.4	2.9	6.4	6.9	5.7	6.6
PGIM India Insta Cash Fund Growth	₹351.281 ↑ 0.05	₹505	0.5	1.4	2.9	6.4	6.9	5.8	6.5
JM Liquid Fund Growth	₹73.5832 ↑ 0.01	₹2,851	0.4	1.4	2.8	6.3	6.8	5.8	6.4
Axis Liquid Fund Growth	₹3,004.97 ↑ 0.47	₹35,653	0.5	1.4	2.9	6.4	7	5.9	6.6
Aditya Birla Sun Life Liquid Fund Growth	₹434.815 ↑ 0.06	₹47,273	0.5	1.4	2.9	6.4	6.9	5.8	6.5
Tata Liquid Fund Growth	₹4,249.99 ↑ 0.59	₹18,946	0.5	1.4	2.9	6.4	6.9	5.8	6.5
Invesco India Liquid Fund Growth	₹3,709.02 ↑ 0.52	₹16,203	0.5	1.4	2.9	6.4	6.9	5.8	6.5
Nippon India Liquid Fund Growth	₹6,583.95 ↑ 0.81	₹27,591	0.5	1.4	2.8	6.3	6.9	5.8	6.5
ICICI Prudential Liquid Fund Growth	₹399.411 ↑ 0.05	₹45,244	0.5	1.4	2.9	6.3	6.9	5.8	6.5
Baroda Pioneer Liquid Fund Growth	₹3,101.67 ↑ 0.45	₹9,334	0.5	1.4	2.9	6.3	6.9	5.8	6.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	Axis Liquid Fund	Aditya Birla Sun Life Liquid Fund	Tata Liquid Fund	Invesco India Liquid Fund	Nippon India Liquid Fund	ICICI Prudential Liquid Fund	Baroda Pioneer Liquid Fund
Point 1	Bottom quartile AUM (₹165 Cr).	Bottom quartile AUM (₹505 Cr).	Bottom quartile AUM (₹2,851 Cr).	Upper mid AUM (₹35,653 Cr).	Highest AUM (₹47,273 Cr).	Upper mid AUM (₹18,946 Cr).	Lower mid AUM (₹16,203 Cr).	Upper mid AUM (₹27,591 Cr).	Top quartile AUM (₹45,244 Cr).	Lower mid AUM (₹9,334 Cr).
Point 2	Established history (14+ yrs).	Established history (18+ yrs).	Oldest track record among peers (28 yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.40% (top quartile).	1Y return: 6.38% (upper mid).	1Y return: 6.26% (bottom quartile).	1Y return: 6.41% (top quartile).	1Y return: 6.38% (upper mid).	1Y return: 6.38% (upper mid).	1Y return: 6.38% (lower mid).	1Y return: 6.35% (lower mid).	1Y return: 6.34% (bottom quartile).	1Y return: 6.30% (bottom quartile).
Point 6	1M return: 0.46% (bottom quartile).	1M return: 0.47% (top quartile).	1M return: 0.45% (bottom quartile).	1M return: 0.47% (upper mid).	1M return: 0.47% (upper mid).	1M return: 0.47% (lower mid).	1M return: 0.47% (lower mid).	1M return: 0.46% (bottom quartile).	1M return: 0.47% (upper mid).	1M return: 0.47% (top quartile).
Point 7	Sharpe: 3.18 (upper mid).	Sharpe: 3.16 (lower mid).	Sharpe: 2.52 (bottom quartile).	Sharpe: 3.47 (top quartile).	Sharpe: 3.21 (upper mid).	Sharpe: 3.23 (upper mid).	Sharpe: 3.28 (top quartile).	Sharpe: 3.05 (lower mid).	Sharpe: 2.99 (bottom quartile).	Sharpe: 2.75 (bottom quartile).
Point 8	Information ratio: -0.71 (bottom quartile).	Information ratio: -0.10 (lower mid).	Information ratio: -1.88 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.22 (lower mid).	Information ratio: -0.84 (bottom quartile).
Point 9	Yield to maturity (debt): 6.02% (lower mid).	Yield to maturity (debt): 5.96% (bottom quartile).	Yield to maturity (debt): 5.91% (bottom quartile).	Yield to maturity (debt): 6.06% (upper mid).	Yield to maturity (debt): 6.19% (top quartile).	Yield to maturity (debt): 6.08% (upper mid).	Yield to maturity (debt): 5.92% (bottom quartile).	Yield to maturity (debt): 8.73% (top quartile).	Yield to maturity (debt): 6.04% (upper mid).	Yield to maturity (debt): 6.01% (lower mid).
Point 10	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.11 yrs (top quartile).	Modified duration: 0.11 yrs (top quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.12 yrs (upper mid).	Modified duration: 2.07 yrs (bottom quartile).	Modified duration: 0.13 yrs (upper mid).	Modified duration: 0.13 yrs (upper mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹165 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.18 (upper mid).
Information ratio: -0.71 (bottom quartile).
Yield to maturity (debt): 6.02% (lower mid).
Modified duration: 0.17 yrs (bottom quartile).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹505 Cr).
Established history (18+ yrs).
Rating: 5★ (top quartile).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.16 (lower mid).
Information ratio: -0.10 (lower mid).
Yield to maturity (debt): 5.96% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).

JM Liquid Fund

Bottom quartile AUM (₹2,851 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 2.52 (bottom quartile).
Information ratio: -1.88 (bottom quartile).
Yield to maturity (debt): 5.91% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).

Axis Liquid Fund

Upper mid AUM (₹35,653 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.41% (top quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.47 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.06% (upper mid).
Modified duration: 0.16 yrs (lower mid).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹47,273 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.47% (upper mid).
Sharpe: 3.21 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (top quartile).
Modified duration: 0.17 yrs (bottom quartile).

Tata Liquid Fund

Upper mid AUM (₹18,946 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.47% (lower mid).
Sharpe: 3.23 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.08% (upper mid).
Modified duration: 0.16 yrs (lower mid).

Invesco India Liquid Fund

Lower mid AUM (₹16,203 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.38% (lower mid).
1M return: 0.47% (lower mid).
Sharpe: 3.28 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.92% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).

Nippon India Liquid Fund

Upper mid AUM (₹27,591 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.35% (lower mid).
1M return: 0.46% (bottom quartile).
Sharpe: 3.05 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.73% (top quartile).
Modified duration: 2.07 yrs (bottom quartile).

ICICI Prudential Liquid Fund

Top quartile AUM (₹45,244 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.47% (upper mid).
Sharpe: 2.99 (bottom quartile).
Information ratio: -0.22 (lower mid).
Yield to maturity (debt): 6.04% (upper mid).
Modified duration: 0.13 yrs (upper mid).

Baroda Pioneer Liquid Fund

Lower mid AUM (₹9,334 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.47% (top quartile).
Sharpe: 2.75 (bottom quartile).
Information ratio: -0.84 (bottom quartile).
Yield to maturity (debt): 6.01% (lower mid).
Modified duration: 0.13 yrs (upper mid).

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.