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HDFC Fixed Deposit (FD) Rates 2025

Updated on August 11, 2025 , 17881 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.

HDFC-Bank

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

Best Liquid Funds to Invest 2025

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Indiabulls Liquid Fund Growth ₹2,542.57
↑ 0.49
₹3280.51.53.476.95.47.4
PGIM India Insta Cash Fund Growth ₹342.259
↑ 0.07
₹3570.51.53.3775.67.3
JM Liquid Fund Growth ₹71.7267
↑ 0.01
₹1,9090.51.53.36.96.95.57.2
Axis Liquid Fund Growth ₹2,927.39
↑ 0.50
₹33,5290.51.53.3775.67.4
Invesco India Liquid Fund Growth ₹3,613.56
↑ 0.61
₹12,3200.51.53.3775.67.4
Tata Liquid Fund Growth ₹4,140.76
↑ 0.70
₹23,3680.51.53.3775.57.3
Aditya Birla Sun Life Liquid Fund Growth ₹423.622
↑ 0.08
₹54,8380.51.53.3775.67.3
ICICI Prudential Liquid Fund Growth ₹389.188
↑ 0.07
₹49,5170.51.53.3775.57.4
Nippon India Liquid Fund  Growth ₹6,416.16
↑ 1.13
₹34,4900.51.53.3775.57.3
Baroda Pioneer Liquid Fund Growth ₹3,022.36
↑ 0.52
₹12,0970.51.53.36.975.67.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryIndiabulls Liquid Fund PGIM India Insta Cash FundJM Liquid FundAxis Liquid FundInvesco India Liquid FundTata Liquid FundAditya Birla Sun Life Liquid FundICICI Prudential Liquid FundNippon India Liquid Fund Baroda Pioneer Liquid Fund
Point 1Bottom quartile AUM (₹328 Cr).Bottom quartile AUM (₹357 Cr).Bottom quartile AUM (₹1,909 Cr).Upper mid AUM (₹33,529 Cr).Lower mid AUM (₹12,320 Cr).Upper mid AUM (₹23,368 Cr).Highest AUM (₹54,838 Cr).Top quartile AUM (₹49,517 Cr).Upper mid AUM (₹34,490 Cr).Lower mid AUM (₹12,097 Cr).
Point 2Established history (13+ yrs).Established history (17+ yrs).Oldest track record among peers (27 yrs).Established history (15+ yrs).Established history (18+ yrs).Established history (20+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (21+ yrs).Established history (16+ yrs).
Point 3Top 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 4Risk 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 51Y return: 7.03% (top quartile).1Y return: 7.02% (upper mid).1Y return: 6.90% (bottom quartile).1Y return: 7.04% (top quartile).1Y return: 7.02% (upper mid).1Y return: 7.00% (upper mid).1Y return: 6.99% (lower mid).1Y return: 6.97% (lower mid).1Y return: 6.97% (bottom quartile).1Y return: 6.91% (bottom quartile).
Point 61M return: 0.46% (top quartile).1M return: 0.46% (top quartile).1M return: 0.45% (bottom quartile).1M return: 0.46% (upper mid).1M return: 0.46% (upper mid).1M return: 0.46% (upper mid).1M return: 0.46% (lower mid).1M return: 0.46% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.45% (bottom quartile).
Point 7Sharpe: 3.32 (bottom quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.11 (bottom quartile).Sharpe: 3.87 (top quartile).Sharpe: 3.96 (top quartile).Sharpe: 3.53 (upper mid).Sharpe: 3.56 (upper mid).Sharpe: 3.50 (lower mid).Sharpe: 3.37 (lower mid).Sharpe: 3.29 (bottom quartile).
Point 8Information ratio: -1.49 (bottom quartile).Information ratio: -0.92 (lower mid).Information ratio: -2.34 (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: -1.00 (lower mid).Information ratio: 0.00 (upper mid).Information ratio: -1.32 (bottom quartile).
Point 9Yield to maturity (debt): 5.87% (bottom quartile).Yield to maturity (debt): 5.90% (bottom quartile).Yield to maturity (debt): 5.87% (bottom quartile).Yield to maturity (debt): 5.96% (upper mid).Yield to maturity (debt): 6.19% (top quartile).Yield to maturity (debt): 6.00% (upper mid).Yield to maturity (debt): 6.39% (top quartile).Yield to maturity (debt): 5.95% (lower mid).Yield to maturity (debt): 6.01% (upper mid).Yield to maturity (debt): 5.95% (lower mid).
Point 10Modified duration: 0.16 yrs (bottom quartile).Modified duration: 0.14 yrs (upper mid).Modified duration: 0.13 yrs (top quartile).Modified duration: 0.16 yrs (lower mid).Modified duration: 0.15 yrs (upper mid).Modified duration: 0.17 yrs (bottom quartile).Modified duration: 0.13 yrs (top quartile).Modified duration: 0.15 yrs (lower mid).Modified duration: 0.16 yrs (bottom quartile).Modified duration: 0.15 yrs (upper mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹328 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.03% (top quartile).
  • 1M return: 0.46% (top quartile).
  • Sharpe: 3.32 (bottom quartile).
  • Information ratio: -1.49 (bottom quartile).
  • Yield to maturity (debt): 5.87% (bottom quartile).
  • Modified duration: 0.16 yrs (bottom quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹357 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 7.02% (upper mid).
  • 1M return: 0.46% (top quartile).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: -0.92 (lower mid).
  • Yield to maturity (debt): 5.90% (bottom quartile).
  • Modified duration: 0.14 yrs (upper mid).

JM Liquid Fund

  • Bottom quartile AUM (₹1,909 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.90% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.11 (bottom quartile).
  • Information ratio: -2.34 (bottom quartile).
  • Yield to maturity (debt): 5.87% (bottom quartile).
  • Modified duration: 0.13 yrs (top quartile).

Axis Liquid Fund

  • Upper mid AUM (₹33,529 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.04% (top quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.87 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.96% (upper mid).
  • Modified duration: 0.16 yrs (lower mid).

Invesco India Liquid Fund

  • Lower mid AUM (₹12,320 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.02% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.96 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.19% (top quartile).
  • Modified duration: 0.15 yrs (upper mid).

Tata Liquid Fund

  • Upper mid AUM (₹23,368 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.00% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.53 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.00% (upper mid).
  • Modified duration: 0.17 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹54,838 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.99% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.39% (top quartile).
  • Modified duration: 0.13 yrs (top quartile).

ICICI Prudential Liquid Fund

  • Top quartile AUM (₹49,517 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.50 (lower mid).
  • Information ratio: -1.00 (lower mid).
  • Yield to maturity (debt): 5.95% (lower mid).
  • Modified duration: 0.15 yrs (lower mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹34,490 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.97% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.37 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.01% (upper mid).
  • Modified duration: 0.16 yrs (bottom quartile).

Baroda Pioneer Liquid Fund

  • Lower mid AUM (₹12,097 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.91% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.29 (bottom quartile).
  • Information ratio: -1.32 (bottom quartile).
  • Yield to maturity (debt): 5.95% (lower mid).
  • Modified duration: 0.15 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.
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