The new rates came into effect on March 6, 2026.
The bank has mainly increased interest rates on FDs with tenures of more than three years, which means investors choosing longer-term deposits can now earn slightly higher returns than before.
Higher Interest on FDs Above 3 Years
HDFC Bank has increased the interest rate by 10 basis points (0.10%) for FDs with tenures ranging from 3 years 1 day to less than 4 years 7 months.
Earlier, general customers were getting 6.40% interest on these deposits.
Now the rate has been increased to 6.50%.
Senior citizens have also received some relief.
Their interest rate has increased from 6.90% to 7% for the same tenure.
These revised rates are applicable on fixed deposits of less than Rs 3 crore.
Latest FD Interest Rates by Tenure
Under the new structure, interest rates vary depending on the deposit period.
For general customers, FD interest rates now range between 2.75% and 6.50%.
Senior citizens receive slightly higher returns, ranging from 3.25% to 7%.
For example:
7 to 29 days FD – General customers get 2.75%, while senior citizens get 3.25%.
6 to 9 months FD – General customers receive 5.50%, while senior citizens get 6%.
This shows that shorter-term deposits offer lower returns compared to longer-term investments.
Long-Term FDs Offer Better Returns
Investors choosing longer tenures can earn higher interest.
For FDs with 18 months to 2 years, general customers can get around 6.45% interest, while senior citizens can earn 6.95%.
For deposits between 5 years and 10 years, the interest rate is 6.15% for general customers and 6.65% for senior citizens.
Long-term FDs are therefore a better option for people who want stable and predictable returns.
How Much Will ₹1 Lakh Earn?
If a regular customer deposits ₹1,00,000 in an FD for about 5 years at the current rate, the total interest earned could be around ₹37,364.
means the maturity amount may reach approximately ₹1,37,364.
For senior citizens, the return can be even higher.
A ₹1,00,000 deposit for the same period could grow to around ₹1,40,784 at maturity.
For investors looking for safe and stable returns, fixed deposits remain one of the most trusted options.
