+91-22-48913909HDFC Fixed Deposit (FD) Rates 2025
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.
Talk to our investment specialist
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
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Indiabulls Liquid Fund Growth ₹2,541.33
↑ 0.78 ₹328 0.5 1.6 3.4 7.1 6.9 5.4 7.4 PGIM India Insta Cash Fund Growth ₹342.091
↑ 0.05 ₹357 0.5 1.5 3.3 7 7 5.6 7.3 JM Liquid Fund Growth ₹71.6944
↑ 0.01 ₹1,909 0.5 1.6 3.3 6.9 6.9 5.5 7.2 Axis Liquid Fund Growth ₹2,926.02
↑ 0.45 ₹33,529 0.5 1.5 3.4 7.1 7 5.6 7.4 Invesco India Liquid Fund Growth ₹3,611.92
↑ 0.54 ₹12,320 0.5 1.5 3.3 7 7 5.6 7.4 Tata Liquid Fund Growth ₹4,138.87
↑ 0.63 ₹23,368 0.5 1.5 3.4 7 7 5.5 7.3 Aditya Birla Sun Life Liquid Fund Growth ₹423.421
↑ 0.06 ₹54,838 0.5 1.5 3.3 7 7 5.6 7.3 ICICI Prudential Liquid Fund Growth ₹389.006
↑ 0.06 ₹49,517 0.5 1.5 3.3 7 7 5.5 7.4 Nippon India Liquid Fund Growth ₹6,413.18
↑ 0.97 ₹34,490 0.5 1.5 3.3 7 7 5.5 7.3 Baroda Pioneer Liquid Fund Growth ₹3,020.96
↑ 0.45 ₹12,097 0.5 1.5 3.3 6.9 7 5.6 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Invesco India Liquid Fund Tata Liquid Fund Aditya Birla Sun Life Liquid Fund ICICI Prudential Liquid Fund Nippon India Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom 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 2 Established 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 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: 7.06% (top quartile). 1Y return: 7.02% (upper mid). 1Y return: 6.91% (bottom quartile). 1Y return: 7.05% (top quartile). 1Y return: 7.03% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.00% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.98% (bottom quartile). 1Y return: 6.92% (bottom quartile). Point 6 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.45% (bottom quartile). 1M return: 0.46% (top quartile). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). Point 7 Sharpe: 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 8 Information 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 9 Yield 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 10 Modified 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
PGIM India Insta Cash Fund
JM Liquid Fund
Axis Liquid Fund
Invesco India Liquid Fund
Tata Liquid Fund
Aditya Birla Sun Life Liquid Fund
ICICI Prudential Liquid Fund
Nippon India Liquid Fund
Baroda Pioneer Liquid Fund
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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