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HDFC Bank RD (Recurring Deposit) Interest Rates 2025

Updated on October 6, 2025 , 18931 views

With HDFC’s Recurring deposit scheme, one can now save money in regular installments and earn interest on payments.

HDFC-Bank

A recurring deposit is an investment cum savings option for those who want to save regularly over a certain period of time and earn a higher interest rate. It is a type of term deposit which allows one to save a fixed amount of money every month systematically. If you are familiar with SIP in Mutual Funds, RD works similarly in banking. Every month, a fixed amount of money is deducted either from a savings or a current account. And, at the end of the maturity, investors are paid back their invested money with accrued interest.

A user willing to open an RD account with HDFC Bank can choose any amount and term according to your convenience.

HDFC Bank RD Interest Rates 2025

Period Interest Rate (p.a.) #Senior Citizen Rates (p.a.)
6 Months 4.50% 5.00%
9 Months 5.75% 6.25%
12 Months 6.50% 7.00%
15 Months 7.00% 7.50%
24 Months 7.00% 7.50%
27 Months 7.00% 7.50%
36 Months 7.00% 7.50%
39 Months 7.00% 7.50%
48 Months 7.00% 7.50%
60 Months 7.00% 7.50%
90 Months 7.00% 7.75%
120 Months 7.00% 7.50%

#Only Resident Senior Citizens are eligible for higher rates of interest.

Note: Interest rates are effective from Dec 14, 2022. They subject to periodic changes. The applicable interest rates will be given based on the date and time of Receipt of the funds by the bank.

RD Calculator

Monthly Deposit:
Tenure:
Months
Rate of Interest (ROI):
%

Investment Amount:₹180,000

Interest Earned:₹21,001

Maturity Amount: ₹201,001

HDFC Bank RD Account Features

Some of the key features of recurring deposit offered by HDFC Bank are:

Investment & Tenure

  • A user can make a minimum amount of investment as small as INR 1000 (and in multiples of INR 100 thereafter). The maximum amount in the HDFC RD account is limited to INR 14,99,900 per month
  • A minimum tenure one can invest in HDFC RD account is of six months (and in multiples of three months thereafter) up to a maximum tenure of 10 years
  • The minimum tenure of an NRI customer is 12 months

Lock-in

  • HDFC recurring deposit account has a minimum lock-in period of one month
  • In the case one wants to close the account within a month, no interest shall be paid to the depositor and only the principal amount shall be returned

TDS

Tax Deducted at Source (TDS) on RD accounts (if applicable) will be recovered on recurring deposit interest if savings/current accounts linked to RD are not maintained (effective 4th Feb'2018)

Eligibility to Open HDFC RD Account

  • Resident individuals
  • Hindu Undivided Families
  • Private & Public Limited Companies
  • Trust & Societies

HDFC RD Calculator

A Recurring Deposit calculator is a good way of calculating maturity amount on RD. You can follow this method to estimate your RD amount on maturity.

Illustration-

RD Calculator INR
Monthly Deposit Amount 500
RD in month 60
Rate of Interest 7%
RD Maturity Amount INR 35,966
Interest Earned INR 5,966

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Documents Required to Open HDFC RD Account

1. Proof of Identity

  • Passport
  • PAN Card
  • Voter ID card
  • Government ID card
  • Driving licence
  • Senior citizen ID card
  • Photo ration card

2. Address Proof

  • Passport
  • Electricity bill
  • Telephone bill
  • Bank statement with Cheque
  • Certificate/ ID card issued by Post Office

Why Investing in SIP is Beneficial?

  • Systematic Investment plan (SIP) is a way to put your money in mutual funds. Investment can be done on a periodic Basis - daily, weekly, monthly or quarterly

  • You need to deposit a small amount of money at every interval. The minimum amount can be as low as INR 500

  • SIPs can help in all kinds of investment goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors

  • SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc

  • Returns can be earned better here. The longer you invest via a SIP in mutual funds, especially in an Equity Fund, the higher are the chances to earn good returns

  • To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges

Best Performing SIPs to Invest 2025

Here's a list of best performing equity SIPs for an investment horizon of five years and above

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
DSP US Flexible Equity Fund Growth ₹71.4247
↓ -0.12
₹1,000 500 12.55029.423.318.317.8
Franklin Asian Equity Fund Growth ₹34.5341
↑ 0.19
₹260 500 12.733.314.914.24.914.4
ICICI Prudential Banking and Financial Services Fund Growth ₹133.9
↓ -0.58
₹9,688 100 -1.411.5916.220.811.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹60.88
↓ -0.25
₹3,374 1,000 -1.911.57.81621.18.7
Invesco India Growth Opportunities Fund Growth ₹101.15
↓ -0.37
₹8,125 100 0.520.25.524.52337.5
Kotak Standard Multicap Fund Growth ₹85.17
↓ -0.32
₹53,626 500 -2.1153.317.318.716.5
Mirae Asset India Equity Fund  Growth ₹113.207
↓ -0.34
₹39,477 1,000 -0.912.71.213.316.312.7
Kotak Equity Opportunities Fund Growth ₹344.397
↓ -1.63
₹27,655 1,000 -0.415.60.819.221.824.2
Axis Focused 25 Fund Growth ₹55.26
↓ -0.07
₹12,286 500 -1.111.3-0.610.712.814.8
Franklin Build India Fund Growth ₹141.649
↓ -0.83
₹2,884 500 -1.514.2-0.727.633.227.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryDSP US Flexible Equity FundFranklin Asian Equity FundICICI Prudential Banking and Financial Services FundAditya Birla Sun Life Banking And Financial Services FundInvesco India Growth Opportunities FundKotak Standard Multicap FundMirae Asset India Equity Fund Kotak Equity Opportunities FundAxis Focused 25 FundFranklin Build India Fund
Point 1Bottom quartile AUM (₹1,000 Cr).Bottom quartile AUM (₹260 Cr).Upper mid AUM (₹9,688 Cr).Lower mid AUM (₹3,374 Cr).Lower mid AUM (₹8,125 Cr).Highest AUM (₹53,626 Cr).Top quartile AUM (₹39,477 Cr).Upper mid AUM (₹27,655 Cr).Upper mid AUM (₹12,286 Cr).Bottom quartile AUM (₹2,884 Cr).
Point 2Established history (13+ yrs).Established history (17+ yrs).Established history (17+ yrs).Established history (11+ yrs).Established history (18+ yrs).Established history (16+ yrs).Established history (17+ yrs).Oldest track record among peers (21 yrs).Established history (13+ yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.
Point 55Y return: 18.28% (lower mid).5Y return: 4.92% (bottom quartile).5Y return: 20.84% (upper mid).5Y return: 21.05% (upper mid).5Y return: 23.01% (top quartile).5Y return: 18.73% (lower mid).5Y return: 16.27% (bottom quartile).5Y return: 21.81% (upper mid).5Y return: 12.76% (bottom quartile).5Y return: 33.23% (top quartile).
Point 63Y return: 23.28% (upper mid).3Y return: 14.18% (bottom quartile).3Y return: 16.21% (lower mid).3Y return: 16.00% (lower mid).3Y return: 24.50% (top quartile).3Y return: 17.31% (upper mid).3Y return: 13.29% (bottom quartile).3Y return: 19.19% (upper mid).3Y return: 10.67% (bottom quartile).3Y return: 27.58% (top quartile).
Point 71Y return: 29.41% (top quartile).1Y return: 14.91% (top quartile).1Y return: 8.98% (upper mid).1Y return: 7.75% (upper mid).1Y return: 5.50% (upper mid).1Y return: 3.33% (lower mid).1Y return: 1.19% (lower mid).1Y return: 0.80% (bottom quartile).1Y return: -0.61% (bottom quartile).1Y return: -0.68% (bottom quartile).
Point 8Alpha: -2.48 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: -2.57 (bottom quartile).Alpha: -6.06 (bottom quartile).Alpha: 11.03 (top quartile).Alpha: 3.91 (top quartile).Alpha: 1.60 (upper mid).Alpha: 0.72 (upper mid).Alpha: 1.86 (upper mid).Alpha: 0.00 (lower mid).
Point 9Sharpe: 0.77 (top quartile).Sharpe: 0.49 (top quartile).Sharpe: 0.03 (upper mid).Sharpe: -0.18 (upper mid).Sharpe: 0.03 (upper mid).Sharpe: -0.37 (lower mid).Sharpe: -0.52 (bottom quartile).Sharpe: -0.51 (bottom quartile).Sharpe: -0.49 (lower mid).Sharpe: -0.64 (bottom quartile).
Point 10Information ratio: -0.62 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.32 (top quartile).Information ratio: 0.14 (upper mid).Information ratio: 1.26 (top quartile).Information ratio: 0.19 (upper mid).Information ratio: -0.17 (bottom quartile).Information ratio: 0.13 (upper mid).Information ratio: -1.03 (bottom quartile).Information ratio: 0.00 (lower mid).

DSP US Flexible Equity Fund

  • Bottom quartile AUM (₹1,000 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 18.28% (lower mid).
  • 3Y return: 23.28% (upper mid).
  • 1Y return: 29.41% (top quartile).
  • Alpha: -2.48 (bottom quartile).
  • Sharpe: 0.77 (top quartile).
  • Information ratio: -0.62 (bottom quartile).

Franklin Asian Equity Fund

  • Bottom quartile AUM (₹260 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 4.92% (bottom quartile).
  • 3Y return: 14.18% (bottom quartile).
  • 1Y return: 14.91% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.49 (top quartile).
  • Information ratio: 0.00 (lower mid).

ICICI Prudential Banking and Financial Services Fund

  • Upper mid AUM (₹9,688 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 20.84% (upper mid).
  • 3Y return: 16.21% (lower mid).
  • 1Y return: 8.98% (upper mid).
  • Alpha: -2.57 (bottom quartile).
  • Sharpe: 0.03 (upper mid).
  • Information ratio: 0.32 (top quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Lower mid AUM (₹3,374 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 21.05% (upper mid).
  • 3Y return: 16.00% (lower mid).
  • 1Y return: 7.75% (upper mid).
  • Alpha: -6.06 (bottom quartile).
  • Sharpe: -0.18 (upper mid).
  • Information ratio: 0.14 (upper mid).

Invesco India Growth Opportunities Fund

  • Lower mid AUM (₹8,125 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.01% (top quartile).
  • 3Y return: 24.50% (top quartile).
  • 1Y return: 5.50% (upper mid).
  • Alpha: 11.03 (top quartile).
  • Sharpe: 0.03 (upper mid).
  • Information ratio: 1.26 (top quartile).

Kotak Standard Multicap Fund

  • Highest AUM (₹53,626 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.73% (lower mid).
  • 3Y return: 17.31% (upper mid).
  • 1Y return: 3.33% (lower mid).
  • Alpha: 3.91 (top quartile).
  • Sharpe: -0.37 (lower mid).
  • Information ratio: 0.19 (upper mid).

Mirae Asset India Equity Fund 

  • Top quartile AUM (₹39,477 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.27% (bottom quartile).
  • 3Y return: 13.29% (bottom quartile).
  • 1Y return: 1.19% (lower mid).
  • Alpha: 1.60 (upper mid).
  • Sharpe: -0.52 (bottom quartile).
  • Information ratio: -0.17 (bottom quartile).

Kotak Equity Opportunities Fund

  • Upper mid AUM (₹27,655 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.81% (upper mid).
  • 3Y return: 19.19% (upper mid).
  • 1Y return: 0.80% (bottom quartile).
  • Alpha: 0.72 (upper mid).
  • Sharpe: -0.51 (bottom quartile).
  • Information ratio: 0.13 (upper mid).

Axis Focused 25 Fund

  • Upper mid AUM (₹12,286 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 12.76% (bottom quartile).
  • 3Y return: 10.67% (bottom quartile).
  • 1Y return: -0.61% (bottom quartile).
  • Alpha: 1.86 (upper mid).
  • Sharpe: -0.49 (lower mid).
  • Information ratio: -1.03 (bottom quartile).

Franklin Build India Fund

  • Bottom quartile AUM (₹2,884 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 33.23% (top quartile).
  • 3Y return: 27.58% (top quartile).
  • 1Y return: -0.68% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.64 (bottom quartile).
  • Information ratio: 0.00 (lower 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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